{"id":9549,"date":"2020-07-08T11:15:00","date_gmt":"2020-07-08T11:15:00","guid":{"rendered":"https:\/\/buildersrisk.net\/is-general-liability-insurance-for-contractors-included-in-builders-risk\/"},"modified":"2022-12-05T14:13:41","modified_gmt":"2022-12-05T14:13:41","slug":"seguro-de-responsabilidad-civil-general-incluye-seguro-de-construccion","status":"publish","type":"post","link":"https:\/\/buildersrisk.net\/es\/seguro-de-responsabilidad-civil-general-incluye-seguro-de-construccion\/","title":{"rendered":"\u00bfEl seguro de responsabilidad civil general para contratistas est\u00e1 incluido en el riesgo del constructor?"},"content":{"rendered":"\n<p>El <a href=\"https:\/\/contractorsliability.com\/es\/coberturas\/seguro-de-responsabilidad-civil\/\">seguro de responsabilidad civil general para contratistas<\/a> no est\u00e1 incluido en una p\u00f3liza <a href=\"\/\">de riesgo del constructor<\/a>.\u00a0 Estos dos tipos de seguro tienen prop\u00f3sitos muy diferentes.\u00a0 Ambos son muy valiosos para su negocio de construcci\u00f3n.<\/p>\n\n\n\n<p>El seguro es una inversi\u00f3n en la sostenibilidad futura de su empresa. Cuando se trata de reclamaciones de responsabilidad civil, \u00e9stas pueden ascender a millones. Sin cobertura, es poco probable que su empresa sobreviva. El seguro de riesgo del constructor tambi\u00e9n protege su inversi\u00f3n. Garantiza que, si se produce un siniestro, usted disponga de los medios necesarios para continuar con su proyecto.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/buildersrisk.net\/wp-content\/uploads\/2020\/07\/Insuring-your-business-is-a-great-investment.png\" alt=\"Insuring your business is a great investment\" class=\"wp-image-9294\" width=\"326\" height=\"203\" srcset=\"https:\/\/buildersrisk.net\/wp-content\/uploads\/2020\/07\/Insuring-your-business-is-a-great-investment.png 435w, https:\/\/buildersrisk.net\/wp-content\/uploads\/2020\/07\/Insuring-your-business-is-a-great-investment-300x187.png 300w, https:\/\/buildersrisk.net\/wp-content\/uploads\/2020\/07\/Insuring-your-business-is-a-great-investment-234x146.png 234w, https:\/\/buildersrisk.net\/wp-content\/uploads\/2020\/07\/Insuring-your-business-is-a-great-investment-50x31.png 50w, https:\/\/buildersrisk.net\/wp-content\/uploads\/2020\/07\/Insuring-your-business-is-a-great-investment-120x75.png 120w\" sizes=\"(max-width:767px) 326px, 326px\" \/><\/figure><\/div>\n\n\n<h2 class=\"boxed_blue wp-block-heading\" id=\"h-que-es-el-seguro-de-riesgo-del-constructor-o-seguro-de-construccion\">\u00bfQu\u00e9 es el <strong>seguro de riesgo del constructor<\/strong> o <strong>seguro de construcci\u00f3n?<\/strong><\/h2>\n\n\n\n<p>Cobertura especializada, algunas de las propiedades del Seguro de Riesgo del Constructor son:<\/p>\n\n\n\n<ul class=\"checkList\"><li>Es una cobertura de la propiedad<\/li><li>El 100% del coste de reposici\u00f3n del edificio a su finalizaci\u00f3n es el valor de una p\u00f3liza<\/li><li>Se trata de un seguro a plazo y generalmente tiene una duraci\u00f3n de 3, 6 o 12 meses<\/li><li>Tiene una fecha de inicio y otra de finalizaci\u00f3n, con otras condiciones que pueden marcar su cese<\/li><li>Tambi\u00e9n conocido como Seguro de Construcci\u00f3n, le cubre durante la duraci\u00f3n de la construcci\u00f3n<\/li><li>Cubre el coste de la construcci\u00f3n, as\u00ed como el equipamiento utilizado<\/li><li>Adaptado, suele cubrir las p\u00e9rdidas por incendio, robo, vandalismo y fen\u00f3menos meteorol\u00f3gicos<\/li><li>Hay muchos otros eventos de p\u00e9rdida que puede incluir si son aplicables a su proyecto<\/li><li>Este seguro no es obligatorio, pero muchos clientes s\u00f3lo le designar\u00e1n para el trabajo si lo tiene.<\/li><\/ul>\n\n\n\n<h2 class=\"boxed_blue wp-block-heading\" id=\"h-que-es-el-seguro-de-responsabilidad-civil-general-para-contratistas\">\u00bfQu\u00e9 es el <strong>seguro de responsabilidad civil general <\/strong>para contratistas?<\/h2>\n\n\n\n<p>Por el contrario, la responsabilidad civil le cubre si es demandado por una negligencia que provoca da\u00f1os a otra persona o le causa lesiones corporales.\u00a0 Tambi\u00e9n cubre los costes de su defensa legal.\u00a0 Los da\u00f1os que cubre la Responsabilidad Civil General son:<\/p>\n\n\n\n<ul class=\"checkList\"><li>Da\u00f1o corporal: Se trata de un da\u00f1o f\u00edsico a otra persona como resultado de sus acciones<\/li><li>Da\u00f1os a la propiedad: Da\u00f1os accidentales a la propiedad de otro en el curso de su trabajo<\/li><li>Errores publicitarios: Da\u00f1os que usted causa a otra persona como consecuencia de su publicidad, por ejemplo, por infracci\u00f3n de los derechos de autor<\/li><li>Da\u00f1o a la reputaci\u00f3n: da\u00f1o que usted causa a otra persona o empresa, por ejemplo, mediante calumnias o injurias<\/li><li>Pagos m\u00e9dicos: Gastos de atenci\u00f3n m\u00e9dica si se produce una lesi\u00f3n en su lugar de trabajo<\/li><\/ul>\n\n\n\n<p><strong>El seguro de responsabilidad civil general es obligatorio.<\/strong><\/p>\n\n\n\n<h2 class=\"boxed_blue wp-block-heading\" id=\"h-necesita-su-empresa-de-construccion-otras-coberturas\">\u00bfNecesita su empresa de construcci\u00f3n <strong>otras coberturas?<\/strong><\/h2>\n\n\n\n<p>Es importante tener en cuenta que ni el seguro de Responsabilidad Civil General ni el de Riesgo del Constructor cubren a los empleados si se lesionan en el curso de su trabajo. Los empleados est\u00e1n cubiertos por la <a href=\"https:\/\/farmerbrown.com\/es\/insurance\/compensacion-al-trabajador\/\">compensaci\u00f3n de los trabajadores.<\/a>\u00a0 Cubre los gastos de atenci\u00f3n m\u00e9dica y ayuda a la p\u00e9rdida de ingresos cuando un empleado no puede trabajar como resultado de su lesi\u00f3n. <\/p>\n\n\n\n<p>Esta cobertura es obligatoria y si no la tiene y un empleado se lesiona, se enfrentar\u00e1 a sanciones.<\/p>\n\n\n\n<h2 class=\"boxed_blue wp-block-heading\" id=\"h-el-seguro-de-responsabilidad-civil-general-para-contratistas-no-es-todo-lo-que-necesita\"><strong>El seguro de responsabilidad civil general para contratistas<\/strong> no es todo lo que necesita<\/h2>\n\n\n\n<p>La Responsabilidad Civil General es muy necesaria para su empresa de construcci\u00f3n.\u00a0 Sin embargo, como se ha comentado, s\u00f3lo le cubre algunos de los riesgos a los que se enfrenta.\u00a0 En Builder&#8217;s Risk.net podemos redactar una p\u00f3liza de Riesgo del Constructor que proteja su inversi\u00f3n financiera en su proyecto.  <a href=\"https:\/\/buildersrisk.net\/es\/builders-risk-insurance\/\">Llame a Builder\u2019s Risk<\/a> al <a href=\"tel: 8779600221\">855 437 1747<\/a> y obtenga la cobertura adecuada a las tarifas m\u00e1s bajas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El seguro de responsabilidad civil general para contratistas no est\u00e1 incluido en una p\u00f3liza de riesgo del constructor.\u00a0 Estos dos tipos de seguro tienen prop\u00f3sitos muy<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":11,"featured_media":9297,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1009,1010,1011],"tags":[1012],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Seguro de responsabilidad civil general vs Seguro de construcci\u00f3n<\/title>\n<meta name=\"description\" content=\"\u00bfEl Seguro de responsabilidad civil general para contratistas incluye el Seguro de construcci\u00f3n? 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