{"id":12892,"date":"2021-10-26T15:16:24","date_gmt":"2021-10-26T20:16:24","guid":{"rendered":"https:\/\/blog.bindy.com\/?p=12892"},"modified":"2024-11-28T14:31:55","modified_gmt":"2024-11-28T19:31:55","slug":"como-usar-inspecoes-no-local-para-reduzir-premios-de-seguros-comerciais","status":"publish","type":"post","link":"https:\/\/blog.bindy.com\/pt\/how-to-use-site-inspections-to-reduce-commercial-insurance-premiums\/","title":{"rendered":"Como usar as inspe\u00e7\u00f5es do local para reduzir os pr\u00eamios de seguro comercial"},"content":{"rendered":"

Uma inspe\u00e7\u00e3o no local mant\u00e9m seus neg\u00f3cios, funcion\u00e1rios e clientes seguros, identificando perigos e riscos potenciais. Aqui est\u00e3o algumas dicas sobre como usar inspe\u00e7\u00f5es no local para reduzir os pr\u00eamios de seguros comerciais.<\/p>\n\n\n\n

Embora uma companhia de seguros muitas vezes envie um inspetor para inspecionar o local quando voc\u00ea segura uma nova propriedade ou neg\u00f3cio, adotar uma abordagem preventiva pode economizar muito tempo e recursos. As seguradoras n\u00e3o gostam de riscos; se voc\u00ea mostrar a eles que mitigou os riscos preventivamente, seus pr\u00eamios provavelmente cair\u00e3o. Riscos reduzidos levam a pr\u00eamios reduzidos.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

O que voc\u00ea deve procurar em uma inspe\u00e7\u00e3o comercial?<\/p>\n\n\n\n

Vamos come\u00e7ar com seguran\u00e7a contra inc\u00eandio<\/h2>\n\n\n\n

Voc\u00ea instalou equipamentos de combate a inc\u00eandio? Existe uma cozinha comercial e equipamentos propensos ao fogo, como uma fritadeira? Cada equipamento pode ser operado com seguran\u00e7a, o objetivo de uma inspe\u00e7\u00e3o \u00e9 garantir e documentar que \u00e9.<\/p>\n\n\n\n

Para mais detalhes sobre preven\u00e7\u00e3o de inc\u00eandios, consulte nosso Lista de verifica\u00e7\u00e3o de sa\u00fade e seguran\u00e7a<\/a>.<\/p>\n\n\n\n

\"Inspe\u00e7\u00f5es<\/a><\/figure>\n\n\n\n

o pr\u00e9dio est\u00e1 em boas condi\u00e7\u00f5es?<\/h2>\n\n\n\n

Um edif\u00edcio que est\u00e1 em bom estado de conserva\u00e7\u00e3o tem menos probabilidade de apresentar um risco, pelo que o \u00f3nus recai sobre o operador de demonstrar que se manteve a par das repara\u00e7\u00f5es.<\/p>\n\n\n\n

O telhado est\u00e1 em boas condi\u00e7\u00f5es, quando foi inspecionado pela \u00faltima vez? Qual \u00e9 a carga de neve? Quais s\u00e3o os estados dos sistemas HVAC, el\u00e9tricos e hidr\u00e1ulicos? Esses sistemas foram atendidos (voc\u00ea registrou a data da \u00faltima inspe\u00e7\u00e3o)? As calhas e calhas est\u00e3o livres de obstru\u00e7\u00e3o para que a \u00e1gua possa fluir livremente?<\/p>\n\n\n\n

\"Exterior<\/a><\/figure>\n\n\n\n

Seus clientes est\u00e3o em risco?<\/h2>\n\n\n\n

Quer gere um restaurante, um hotel ou uma cl\u00ednica, os clientes v\u00eam desfrutar do servi\u00e7o que oferece. Eles n\u00e3o v\u00eam para trope\u00e7ar e cair. Se o fizerem, voc\u00ea pode muito bem ser considerado respons\u00e1vel, o que aumenta sua exposi\u00e7\u00e3o ao risco.<\/p>\n\n\n\n

Existem buracos no estacionamento que podem fazer com que os clientes tropecem e caiam? Os decks e corrim\u00e3os s\u00e3o seguros? As cal\u00e7adas est\u00e3o livres de detritos, gelo e neve?<\/p>\n\n\n\n

Para obter mais detalhes sobre mitiga\u00e7\u00e3o de riscos, consulte nosso 9 Dicas para Minimizar Les\u00f5es e Responsabilidades.<\/a><\/p>\n\n\n\n

Prevenir perdas por roubo<\/h2>\n\n\n\n

Prevenir o roubo, tanto interno quanto externo, \u00e9 um grande componente do perfil de risco de uma opera\u00e7\u00e3o comercial. Voc\u00ea tem que mitig\u00e1-lo.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

A ilumina\u00e7\u00e3o \u00e9 adequada? As portas e janelas est\u00e3o em bom estado? As c\u00e2meras est\u00e3o instaladas em \u00e1reas-chave? Os procedimentos de manuseio de dinheiro s\u00e3o documentados e seguidos?<\/p>\n\n\n\n

Para mais informa\u00e7\u00f5es, consulte o nosso Guia Completo para Preven\u00e7\u00e3o de Perdas<\/a> e Lista de verifica\u00e7\u00e3o de preven\u00e7\u00e3o de perdas<\/a>.<\/p>\n\n\n

\n
\"Preven\u00e7\u00e3o<\/a><\/figure>\n<\/div>\n\n\n

N\u00e3o apenas encontre problemas, corrija-os<\/h2>\n\n\n\n

Encontrar problemas por si s\u00f3 n\u00e3o reduzir\u00e1 seus riscos, mas corrigi-los sim. O plano de a\u00e7\u00e3o \u00e9 uma oportunidade para aplicar a\u00e7\u00f5es corretivas em \u00e1reas problem\u00e1ticas<\/a>. Ele designa um indiv\u00edduo respons\u00e1vel por retificar cada problema encontrado e uma data-alvo para resolu\u00e7\u00e3o. Ao fazer isso, o plano de a\u00e7\u00e3o promove propriedade e responsabilidade. <\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

N\u00e3o deixe os problemas persistirem. Mostre \u00e0 sua seguradora que voc\u00ea est\u00e1 no controle de tudo. Uma cultura de \u201cconsertar\u201d reduz seus riscos e pode reduzir seus pr\u00eamios de seguro.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

Tire (muitas) fotos!<\/h2>\n\n\n\n

Lembre-se de tirar fotos durante a inspe\u00e7\u00e3o. Uma imagem vale as proverbiais 1.000 palavras e pode fornecer evid\u00eancias fotogr\u00e1ficas de que os padr\u00f5es foram atendidos. Anexe as fotos \u00e0 inspe\u00e7\u00e3o como um registro permanente. <\/p>\n\n\n\n

As fotos s\u00e3o r\u00e1pidas e bem alinhadas com o objetivo de demonstrar o cumprimento dos padr\u00f5es da marca e dos requisitos das ap\u00f3lices de seguro.<\/p>\n\n\n\n

inspe\u00e7\u00f5es s\u00e3o fundamentais para reduzir os pr\u00eamios de seguros comerciais<\/h2>\n\n\n\n

As inspe\u00e7\u00f5es preventivas reduzem seus riscos para edif\u00edcios, clientes e continuidade dos neg\u00f3cios. Por esse motivo, eles tamb\u00e9m reduzem os pr\u00eamios de seguro. Se voc\u00ea deseja reduzir riscos ou reduzir custos operacionais, as inspe\u00e7\u00f5es preventivas s\u00e3o uma \u00f3tima ideia que s\u00e3o r\u00e1pidas de implantar e economizam mais do que custam. <\/p>","protected":false},"excerpt":{"rendered":"

Uma inspe\u00e7\u00e3o no local mant\u00e9m seus neg\u00f3cios, funcion\u00e1rios e clientes seguros, identificando perigos e riscos potenciais. Aqui est\u00e3o algumas dicas sobre como usar inspe\u00e7\u00f5es no local para reduzir os pr\u00eamios de seguros comerciais. Embora uma companhia de seguros geralmente envie um inspetor para inspecionar o local quando voc\u00ea segura uma nova propriedade e neg\u00f3cio, adotar uma abordagem preventiva pode \u2026 Continue lendo Como usar as inspe\u00e7\u00f5es do local para reduzir os pr\u00eamios de seguro comercial<\/span> \t<\/span><\/a><\/p>","protected":false},"author":6370623,"featured_media":12903,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[319730,677174005,677174188,1043654],"tags":[677174186,33371,677174187],"class_list":["post-12892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-qsr","category-how-to","category-hotel-3","category-loss-prevention","tag-commercial-insurance","tag-health-and-safety","tag-hospitality-insurance"],"yoast_head":"\nHow to Use Site Inspections to Reduce Commercial Insurance Premiums<\/title>\n<meta name=\"description\" content=\"Stores with higher risk have increased insurance costs, are your stores at risk? 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