{"id":68173,"date":"2024-08-12T14:45:09","date_gmt":"2024-08-12T19:45:09","guid":{"rendered":"https:\/\/contractorsliability.com\/handyman-insurance\/"},"modified":"2026-03-26T07:29:42","modified_gmt":"2026-03-26T12:29:42","slug":"seguro-para-personal-de-mantenimiento","status":"publish","type":"page","link":"https:\/\/contractorsliability.com\/es\/negocios\/seguro-para-personal-de-mantenimiento\/","title":{"rendered":"Seguro Para Handyman"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"68173\" class=\"elementor elementor-68173 elementor-65656\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0c3d52 e-flex e-con-boxed e-con e-parent\" data-id=\"e0c3d52\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b59c33b elementor-widget elementor-widget-heading\" data-id=\"b59c33b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"\/es\/negocios\/\">Negocios<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-298b69a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"298b69a\" data-element_type=\"widget\" data-e-type=\"widget\" role=\"\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 7 12\" fill=\"none\"><path d=\"M0.75 0.75L5.75 5.75L0.75 10.75\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bb5b5a8 hero-section e-flex e-con-boxed e-con e-parent\" data-id=\"bb5b5a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d27088c e-con-full e-flex e-con e-child\" data-id=\"d27088c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd7e346 elementor-widget elementor-widget-heading\" data-id=\"cd7e346\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><span class=\"dark\">Gu\u00eda Completa de Seguros <\/span> para Contratistas y Handyman<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eee1cbd e-con-full e-flex e-con e-child\" data-id=\"eee1cbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-207c8b8 e-con-full e-flex e-con e-child\" data-id=\"207c8b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bcaeaec mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"bcaeaec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p id=\"h-descubra-como-podemos-ahorrarle-hasta-un-20-en-seguro-para-handyman\" class=\"wp-block-heading\"><b>De: Thomas M. Hester | ContractorsLiability.com<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f58a289 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"f58a289\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p id=\"h-descubra-como-podemos-ahorrarle-hasta-un-20-en-seguro-para-handyman\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\"><strong>Tel\u00e9fono:<\/strong> <a href=\"tel:888-973-0016\">888-973-0016<\/a> <br \/><strong>Email:<\/strong> <a href=\"mailto:info@contractorsliability.com\">info@contractorsliability.com<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04b7028 elementor-mobile-align-justify hero-btn width-auto elementor-mobile_extra-align-justify elementor-tablet_extra-align-right elementor-align-right elementor-widget elementor-widget-button\" data-id=\"04b7028\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/farmerbrown.com\/es\/cotizacion-de-seguro-instantanea-isc\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cotizaci\u00f3n Gratuita Instant\u00e1nea<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f8e9bb e-flex e-con-boxed e-con e-parent\" data-id=\"3f8e9bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1c5beb2 e-con-full e-flex e-con e-child\" data-id=\"1c5beb2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8781668 elementor-widget elementor-widget-image\" data-id=\"8781668\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1320\" height=\"400\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Guia-Completa-de-Seguros-para-Contratistas-y-Handyman-1.webp\" class=\"attachment-full size-full wp-image-146390\" alt=\"Gu\u00eda Completa De Seguros Para Contratistas Y Handyman 1\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Guia-Completa-de-Seguros-para-Contratistas-y-Handyman-1.webp 1320w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Guia-Completa-de-Seguros-para-Contratistas-y-Handyman-1-300x91.webp 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Guia-Completa-de-Seguros-para-Contratistas-y-Handyman-1-1024x310.webp 1024w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Guia-Completa-de-Seguros-para-Contratistas-y-Handyman-1-768x233.webp 768w\" sizes=\"(max-width: 1320px) 100vw, 1320px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3e68f3 e-flex e-con-boxed e-con e-parent\" data-id=\"b3e68f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e5dedc8 states-faqs elementor-widget elementor-widget-n-accordion\" data-id=\"e5dedc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"States-acccor\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"States-acccor\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Tabla de contenidos <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M13 10.5L8 5.5L3 10.5\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M3 5.5L8 10.5L13 5.5\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"States-acccor\" class=\"elementor-element elementor-element-7c050f7 e-con-full e-flex e-con e-child\" data-id=\"7c050f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div role=\"region\" aria-labelledby=\"States-acccor\" class=\"elementor-element elementor-element-ed2deda toc-btn e-flex e-con-boxed e-con e-child\" data-id=\"ed2deda\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4ff3ae elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"c4ff3ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#h-common-causes-of-handyman-accidents\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfQu\u00e9 Tipo de Seguro Debe Tener un Contratista?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-deb273f elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"deb273f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#h-get-your-free-insurance-quote\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Obtenga una Cotizaci\u00f3n del Seguro Para Handyman<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0029b1 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"d0029b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\u00bfCu\u00e1nto%20Cuesta%20el%20Seguro%20para%20Contratistas?\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfCu\u00e1nto Cuesta el Seguro para Contratistas?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e1b626 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"1e1b626\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\u00bfCu\u00e1nto%20Cuesta%20el%20Seguro%20de%20Responsabilidad%20Civil%20para%20Handyman?\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfCu\u00e1nto Cuesta el Seguro de Responsabilidad Civil para Handyman?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dba328 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"0dba328\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\u00bfQu\u00e9%20es%20el%20Seguro%20de%20Compensaci\u00f3n%20Laboral?\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfQu\u00e9 es el Seguro de Compensaci\u00f3n Laboral?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f55546 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"1f55546\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\u00bfCu\u00e1nto%20Seguro%20Necesita%20su%20Negocio?\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfCu\u00e1nto Seguro Necesita su Negocio?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ed9da5 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"3ed9da5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\u00bfNecesito%20un%20Seguro%20para%20Trabajar%20como%20Handyman?\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfNecesito un Seguro para Trabajar como Handyman?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13844f6 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"13844f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#Cobertura%20de%20Seguro%20Para%20Veh\u00edculos%20Comerciales\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cobertura de Seguro Para Veh\u00edculos Comerciales<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6bbcdc elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"d6bbcdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\u00bfCu\u00e1nto%20Cuesta%20el%20Seguro%20de%20Compensaci\u00f3n%20Laboral?\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfCu\u00e1nto Cuesta el Seguro de Compensaci\u00f3n Laboral?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9e42f7 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"d9e42f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\u00bfQu\u00e9%20es%20una%20P\u00f3liza%20de%20Seguro%20Paraguas%20y%20Cu\u00e1nto%20Cuesta?\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfQu\u00e9 es una P\u00f3liza de Seguro Paraguas y Cu\u00e1nto Cuesta?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e62eb4 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"7e62eb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\u00bfQu\u00e9%20Seguro%20Necesitan%20los%20Contratistas%20Independientes?\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfQu\u00e9 Seguro Necesitan los Contratistas Independientes?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35f4ee3 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"35f4ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\u00bfCu\u00e1nto%20Cuesta%20el%20Seguro%20de%20Riesgo%20del%20Constructor%20y%20Qu\u00e9%20Cubre?\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfCu\u00e1nto Cuesta el Seguro de Riesgo del Constructor y Qu\u00e9 Cubre?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e92f76 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"1e92f76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\u00bfQu\u00e9%20Cubre%20El%20Seguro%20Para%20Handyman?\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00bfQu\u00e9 Cubre El Seguro Para Handyman?<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5f9bfb elementor-align-justify elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"d5f9bfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#h-here-s-what-contractors-think\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Esto es lo que piensan los contratistas<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc06f75 elementor-align-justify elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"fc06f75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#h-frequently-asked-questions-faq\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M5.5 3L10.5 8L5.5 13\" stroke=\"#929292\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Preguntas Frecuentes (FAQ)<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-da4b8ba e-flex e-con-boxed e-con e-parent\" data-id=\"da4b8ba\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-773a8be e-con-full e-flex e-con e-child\" data-id=\"773a8be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7073b7a e-con-full e-flex e-con e-child\" data-id=\"7073b7a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e3a289 elementor-widget elementor-widget-heading\" data-id=\"0e3a289\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"dark\">\u00bfQu\u00e9 es el <\/span> Seguro de Responsabilidad Civil para Contratistas?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03d8471 e-con-full e-flex e-con e-child\" data-id=\"03d8471\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6a4141 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"e6a4141\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Los oficios de contratista presentan m\u00e1s tipos de riesgo que cualquier otro tipo de negocio. El trabajo puede variar desde una carpinter\u00eda de interiores de bajo riesgo hasta trabajos de alto riesgo como el lavado de ventanas en edificios altos. Algunos contratistas tienen oficinas que los clientes pueden visitar, lo que abre la puerta a una responsabilidad adicional si alguien se lesiona en sus instalaciones. Si usted es responsable del accidente, las facturas m\u00e9dicas del cliente pueden ser su responsabilidad.<\/span><\/p><p><span style=\"font-weight: 400;\">Adem\u00e1s, si instala productos, podr\u00eda ser considerado responsable si estos causan da\u00f1os f\u00edsicos a sus clientes.<\/span><\/p><p><span style=\"font-weight: 400;\">El seguro de responsabilidad civil general protege a su empresa de circunstancias imprevistas. Incluye la siguiente protecci\u00f3n:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a569df0 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a569df0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Lesiones corporales a terceros:<\/b> Si su empresa causa da\u00f1os corporales a un tercero, tiene cobertura. Por ejemplo, si est\u00e1 retirando tejas de un techo y una r\u00e1faga de viento hace que golpeen a un peat\u00f3n en la acera.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Da\u00f1os a la propiedad de terceros:<\/b> Si su empresa da\u00f1a la propiedad de un cliente u otro tercero, est\u00e1 cubierto. Por ejemplo, si al lavar los cristales de una casa un empleado rompe con una escalera una vidriera de valor.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Responsabilidades legales:<\/b> Si un cliente u otra parte afirma que su trabajo caus\u00f3 da\u00f1os o lesiones, los honorarios legales y los costos de indemnizaci\u00f3n pueden ser abrumadores. El seguro de responsabilidad civil para handymen lo protege frente a estos posibles desaf\u00edos legales.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Reclamaciones por productos terminados:<\/b> El seguro de responsabilidad civil general ayuda a cubrir reclamaciones relacionadas con los servicios que ha completado y los productos que ha instalado. Si usted instala una puerta de garaje y esta cae lesionando al propietario, su empresa puede ser considerada responsable. Con la cobertura adecuada estar\u00e1 protegido.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Lesiones en sus instalaciones:<\/b> Si alguien resulta herido en su oficina o en el lugar donde hace negocios, esta p\u00f3liza puede pagar sus gastos m\u00e9dicos y otras indemnizaciones. Tenga en cuenta que el seguro de responsabilidad civil general cubre gastos relacionados con lesiones de terceros, no las lesiones en el trabajo de sus empleados. Para esa protecci\u00f3n necesita un seguro de compensaci\u00f3n laboral.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb8bf5f video-section e-flex e-con-boxed e-con e-parent\" data-id=\"eb8bf5f\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-common-causes-of-handyman-accidents\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-85bb327 e-con-full e-flex e-con e-child\" data-id=\"85bb327\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dcb3f74 elementor-widget elementor-widget-heading\" data-id=\"dcb3f74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 Tipo de Seguro Debe Tener un Contratista?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d41414f e-grid e-con-full e-con e-child\" data-id=\"d41414f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ec8a722 e-con-full e-flex e-con e-child\" data-id=\"ec8a722\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-14c43df e-con-full e-flex e-con e-child\" data-id=\"14c43df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2a8dfdf e-con-full e-flex e-con e-child\" data-id=\"2a8dfdf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae66d17 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"ae66d17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Los contratistas artesanales, generales y especializados han experimentado cambios espectaculares en su sector durante la \u00faltima d\u00e9cada. El n\u00famero de demandas contra contratistas se ha multiplicado por cinco. Solo por esta raz\u00f3n, usted debe protegerse a s\u00ed mismo, a su negocio y a su familia de una demanda potencialmente catastr\u00f3fica.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">La mayor\u00eda de los contratistas suelen contratar los siguientes tipos de seguros:<\/span><\/p><p>\u00a0<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seguro de responsabilidad civil general<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seguro de compensaci\u00f3n laboral<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seguro para veh\u00edculos comerciales<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seguro para art\u00edculos en proceso de env\u00edo (cobertura de bienes personales, Inland Marine)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seguro de responsabilidad profesional, tambi\u00e9n conocido como seguro de errores y omisiones<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab3c32d e-con-full e-flex e-con e-child\" data-id=\"ab3c32d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1da1787 elementor-widget elementor-widget-video\" data-id=\"1da1787\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=grqQlURRkwo&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-849437c e-flex e-con-boxed e-con e-parent\" data-id=\"849437c\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-get-your-free-insurance-quote\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-77b9182 e-con-full e-flex e-con e-child\" data-id=\"77b9182\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e8fbf6 elementor-widget elementor-widget-heading\" data-id=\"5e8fbf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Obtenga una Cotizaci\u00f3n del Seguro Para Handyman<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1180c0 elementor-widget elementor-widget-text-editor\" data-id=\"e1180c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>S\u00f3lo 5 minutos de su valioso tiempo.<br \/>A menudo podemos obtener cobertura el mismo d\u00eda.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42d43e8 elementor-mobile-align-justify hero-btn width-auto elementor-mobile_extra-align-center elementor-widget-mobile_extra__width-initial elementor-tablet_extra-align-justify elementor-widget-tablet_extra__width-initial elementor-align-center elementor-widget elementor-widget-button\" data-id=\"42d43e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/farmerbrown.com\/instant-insurance-quote-isc\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cotizaci\u00f3n Gratuita Instant\u00e1nea<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d627b8b icon-box-parent e-flex e-con-boxed e-con e-parent\" data-id=\"d627b8b\" data-element_type=\"container\" data-e-type=\"container\" id=\"\u00bfCu\u00e1nto Cuesta el Seguro para Contratistas?\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-42e14a3 e-con-full e-grid e-con e-child\" data-id=\"42e14a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-debfb9e elementor-widget elementor-widget-heading\" data-id=\"debfb9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"dark\">\u00bfCu\u00e1nto Cuesta el <\/span>  Seguro para Contratistas?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e909b3 e-con-full e-flex e-con e-child\" data-id=\"3e909b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cce1fb mb-0 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"7cce1fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Los precios del seguro para empresas de construcci\u00f3n han ido aumentando. Para las cotizaciones de responsabilidad civil general se consideran m\u00faltiples factores, incluyendo los l\u00edmites de la p\u00f3liza y las operaciones comerciales.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Una buena regla general: si usted est\u00e1 en un oficio de contratista de bajo riesgo, pagar\u00e1 aproximadamente el 1% de sus ingresos actuales. Por ejemplo, con $150,000 en ingresos, su seguro de responsabilidad civil general costar\u00e1 aproximadamente $1,500 al a\u00f1o.<\/span><\/p><p><span style=\"font-weight: 400;\"><br \/>Para oficios de mayor riesgo, como la construcci\u00f3n de techos, una p\u00f3liza costar\u00e1 alrededor del 2% al 3% de los ingresos. Con $300,000 en ingresos, la p\u00f3liza costar\u00e1 alrededor de $6,000 al a\u00f1o.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Hay otros factores que tambi\u00e9n determinan la prima:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c2b01b e-con-full icon-box-parent e-flex e-con e-child\" data-id=\"5c2b01b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4fe6231 e-con-full e-flex e-con e-child\" data-id=\"4fe6231\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf976fa elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"bf976fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f9dbf4 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"4f9dbf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Historial de reclamaciones:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e92bd80 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"e92bd80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si no ha tenido siniestros en los \u00faltimos 5 a\u00f1os, su prima ser\u00e1 m\u00e1s baja que la de una empresa con historial de reclamaciones.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf9c046 e-con-full e-flex e-con e-child\" data-id=\"cf9c046\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75ac432 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"75ac432\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7629c0 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"a7629c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ubicaci\u00f3n de las operaciones:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cff5d94 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"cff5d94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">Los estados con mayor regulaci\u00f3n, como California, tienen primas m\u00e1s altas que estados como Texas.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac20f33 e-con-full e-flex e-con e-child\" data-id=\"ac20f33\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00b4634 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"00b4634\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dba55af mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"dba55af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fecha de inicio del negocio:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cc694f mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"4cc694f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">Las empresas nuevas no tienen historial de siniestros, por lo que el seguro suele ser m\u00e1s elevado.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f59f2b7 e-con-full e-flex e-con e-child\" data-id=\"f59f2b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68ca898 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"68ca898\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7666d48 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"7666d48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Monto de los ingresos:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdb5370 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"cdb5370\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">A mayores ingresos, mayor exposici\u00f3n al riesgo y primas m\u00e1s altas.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d11c59 e-con-full e-flex e-con e-child\" data-id=\"6d11c59\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a049180 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"a049180\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25c3d09 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"25c3d09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">N\u00famero de empleados:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-356bc72 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"356bc72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">M\u00e1s personas trabajando significa m\u00e1s posibilidades de que algo salga mal.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d75231 e-con-full e-flex e-con e-child\" data-id=\"8d75231\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0626297 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"0626297\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6566742 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"6566742\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cuant\u00eda de la cobertura:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7bcb10 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"e7bcb10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">La p\u00f3liza m\u00e1s popular entre los contratistas es la de $1,000,000 por siniestro y $2,000,000 de l\u00edmite global al a\u00f1o. Tenga cuidado si su estado solo exige una cobertura inferior a $1,000,000, ya que la diferencia en precio entre una p\u00f3liza de $300,000 o $500,000 y una de $1,000,000 suele ser de menos de $100. No vale la pena el ahorro.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c87717 e-flex e-con-boxed e-con e-parent\" data-id=\"6c87717\" data-element_type=\"container\" data-e-type=\"container\" id=\"\u00bfCu\u00e1nto Cuesta el Seguro de Responsabilidad Civil para Handyman?\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d65af5c e-con-full e-flex e-con e-child\" data-id=\"d65af5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f18a150 elementor-widget elementor-widget-heading\" data-id=\"f18a150\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1nto Cuesta el Seguro de Responsabilidad Civil para Handyman?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ecc2dc2 e-con-full mb e-flex e-con e-child\" data-id=\"ecc2dc2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-304eed7 elementor-widget__width-inherit mb-0  elementor-widget elementor-widget-text-editor\" data-id=\"304eed7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Puede esperar pagar menos de $1,000 al a\u00f1o, lo que equivale a menos de $90 al mes. La prima real depender\u00e1 del estado en que opere su negocio, los tipos de servicios que ofrezca, sus ingresos totales y otros factores.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72b6ce6 elementor-widget__width-inherit mb-0  elementor-widget elementor-widget-text-editor\" data-id=\"72b6ce6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Piense en ello como una inversi\u00f3n que puede trasladar a sus clientes. Si tiene 10 trabajos al mes, simplemente agregando $10 a cada trabajo cubrir\u00e1 el costo total de su seguro. Si le preguntara a cada uno de sus clientes si prefieren pagar $10 menos y contratar a un handyman sin seguro, o pagar $10 m\u00e1s y contratar a un handyman con una p\u00f3liza de $1,000,000 de cobertura, el 99% elegir\u00eda al handyman asegurado.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7494be4 e-con-full e-flex e-con e-child\" data-id=\"7494be4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9db3bd elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"c9db3bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"638\" height=\"420\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Seguro-de-Responsabilidad-Civil-para-Handyman-3.webp\" class=\"attachment-full size-full wp-image-146479\" alt=\"Seguro De Responsabilidad Civil Para Handyman 3\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Seguro-de-Responsabilidad-Civil-para-Handyman-3.webp 638w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Seguro-de-Responsabilidad-Civil-para-Handyman-3-300x197.webp 300w\" sizes=\"(max-width: 638px) 100vw, 638px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-647aebf e-con-full full-width e-flex e-con e-parent\" data-id=\"647aebf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b4f9a7 elementor-widget elementor-widget-template\" data-id=\"3b4f9a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"127585\" class=\"elementor elementor-127585 elementor-115354 elementor-115354\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79781f75 e-flex e-con-boxed e-con e-parent\" data-id=\"79781f75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6d07af43 e-con-full e-flex e-con e-child\" data-id=\"6d07af43\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2cf653f5 e-con-full e-flex e-con e-child\" data-id=\"2cf653f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-856b9f6 elementor-widget elementor-widget-heading\" data-id=\"856b9f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfTienes alguna pregunta?\n<br><span class=\"dark\">Ll\u00e1manos 24\/7.<\/span><\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb55fbb e-con-full e-grid elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-mobile e-con e-child\" data-id=\"fb55fbb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4afb139 elementor-tablet-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4afb139\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Obt\u00e9n tu certificado de seguro.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Actualiza tu cobertura.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Edita tu informaci\u00f3n de Facturaci\u00f3n.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-190d69c elementor-tablet-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"190d69c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cambia la direcci\u00f3n de tu Negocio.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Servicio al Cliente<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de2d607 elementor-widget elementor-widget-text-editor\" data-id=\"de2d607\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tNos encanta recibir llamadas, te responderemos con la mejor actitud y siempre dispuestos a ayudar.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-192b0ef9 elementor-tablet-align-start elementor-hidden-tablet elementor-hidden-mobile_extra elementor-hidden-tablet_extra elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"192b0ef9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Obt\u00e9n tu certificado de seguro.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Actualiza tu cobertura.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Edita tu informaci\u00f3n de Facturaci\u00f3n.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cambia la direcci\u00f3n de tu Negocio.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Servicio al Cliente<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45c6ed73 e-con-full e-flex e-con e-child\" data-id=\"45c6ed73\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75578fd8 elementor-mobile-align-justify hero-btn width-auto elementor-tablet_extra-align-left elementor-tablet-align-left elementor-laptop-align-left elementor-widget elementor-widget-button\" data-id=\"75578fd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:8889730016\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">(888) 973-0016<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a8462e3 e-con-full e-flex e-con e-child\" data-id=\"5a8462e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5743b148 elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"5743b148\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"tel:(888)%20973-0016\">(888) 973-0016<span class=\"dark\"> |  English<\/span> <\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20f51901 elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"20f51901\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"tel:(888)%20973-0016\">(888) 973-0016\n<span class=\"dark\"> | Espa\u00f1ol<\/span><\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11c87ed7 e-con-full e-flex e-con e-child\" data-id=\"11c87ed7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f6a49f8 elementor-widget-tablet_extra__width-inherit elementor-widget elementor-widget-image\" data-id=\"1f6a49f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Figure-\u2192-builders.png\" title=\"\" alt=\"obrero\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67f48c8 icon-box-parent e-flex e-con-boxed e-con e-parent\" data-id=\"67f48c8\" data-element_type=\"container\" data-e-type=\"container\" id=\"\u00bfQu\u00e9 es el Seguro de Compensaci\u00f3n Laboral?\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e80d5da e-con-full e-grid e-con e-child\" data-id=\"e80d5da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45af801 elementor-widget elementor-widget-heading\" data-id=\"45af801\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"dark\">\u00bfQu\u00e9 es el Seguro <\/span>   de Compensaci\u00f3n Laboral?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d6f1ea e-con-full e-flex e-con e-child\" data-id=\"2d6f1ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-787299a mb-0 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"787299a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">El seguro de compensaci\u00f3n laboral se estableci\u00f3 para compensar a los empleados por los gastos m\u00e9dicos o los salarios perdidos como resultado de lesiones o enfermedades relacionadas con el trabajo. Si tiene empleados y no tiene esta cobertura, corre el riesgo de enfrentar una demanda muy costosa.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Si sus empleados presentan una demanda exitosa, usted ser\u00e1 responsable de pagarla.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\"> Adem\u00e1s, su empresa puede tener problemas legales con el estado. La mayor\u00eda de los estados exigen legalmente que los empleadores tengan a sus empleados cubiertos con un seguro de compensaci\u00f3n laboral.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Como empleador, tener un seguro de compensaci\u00f3n laboral tambi\u00e9n le ayuda a atraer y retener empleados de calidad, ya que demuestra que se ocupa de su bienestar.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Para que un trabajador reciba los beneficios de la compensaci\u00f3n laboral se deben cumplir ciertos requisitos:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-871c2f8 e-con-full icon-box-parent e-flex e-con e-child\" data-id=\"871c2f8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5209217 e-con-full e-flex e-con e-child\" data-id=\"5209217\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd24b89 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"dd24b89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-788b249 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"788b249\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">El empleador debe tener un seguro de compensaci\u00f3n laboral vigente:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88ee4a0 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"88ee4a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La mayor\u00eda de los estados exigen que todos los empleadores lo tengan. Si no tiene esta cobertura, el empleado podr\u00eda presentar una reclamaci\u00f3n directamente contra su empresa.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e673803 e-con-full e-flex e-con e-child\" data-id=\"e673803\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aba257a elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"aba257a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c4f34d mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"1c4f34d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">El trabajador debe ser un empleado seg\u00fan las leyes federales y estatales:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f6cba1 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9f6cba1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">Los contratistas independientes no se consideran empleados y necesitan su propia p\u00f3liza. Recuerde recolectar los certificados de seguro de todos los contratistas independientes que contrate. Si no lo hace, el dinero que les pag\u00f3 puede ser sumado a su n\u00f3mina durante la auditor\u00eda de compensaci\u00f3n laboral, generando una factura inesperada.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c15054 e-con-full e-flex e-con e-child\" data-id=\"5c15054\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76aa597 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"76aa597\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b4f5be mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"0b4f5be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La lesi\u00f3n debe estar relacionada con el trabajo:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eb6123 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"7eb6123\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">Un empleado que se caiga de una escalera en casa de un cliente estar\u00eda cubierto. Las lesiones sufridas fuera del \u00e1mbito laboral no tienen derecho a esta cobertura.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44770f3 image-section e-flex e-con-boxed e-con e-parent\" data-id=\"44770f3\" data-element_type=\"container\" data-e-type=\"container\" id=\"\u00bfCu\u00e1nto Seguro Necesita su Negocio?\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-218074d e-con-full e-flex e-con e-child\" data-id=\"218074d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9f95a4 elementor-widget elementor-widget-heading\" data-id=\"f9f95a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"red\"> \u00bfCu\u00e1nto Seguro<\/span>  Necesita su Negocio?\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41b8275 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"41b8275\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">La cobertura que necesita depende del tipo de negocio y del riesgo asociado. Como m\u00ednimo debe tener una p\u00f3liza de responsabilidad civil general con $1,000,000 por siniestro, $2,000,000 de l\u00edmite global al a\u00f1o y $1,000 de deducible.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e5a07f e-con-full main-accordion e-flex e-con e-child\" data-id=\"4e5a07f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f3388b4 elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"f3388b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Tipo de seguro<\/p>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47e7073 e-con-full table-main e-flex e-con e-child\" data-id=\"47e7073\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fd4e628 e-con-full table-head-row e-flex e-con e-child\" data-id=\"fd4e628\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3f8856f e-con-full table-head-col e-flex e-con e-child\" data-id=\"3f8856f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dac4e5c elementor-widget elementor-widget-heading\" data-id=\"dac4e5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Tipo de seguro<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f36471a e-con-full table-head-col e-flex e-con e-child\" data-id=\"f36471a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-222469e elementor-widget elementor-widget-heading\" data-id=\"222469e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">A qui\u00e9n va dirigido<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2844a8c e-con-full table-head-col e-flex e-con e-child\" data-id=\"2844a8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7023826 elementor-widget elementor-widget-heading\" data-id=\"7023826\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Lo que cubre\n\n<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fceb8be e-con-full table-body-row e-flex e-con e-child\" data-id=\"fceb8be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0d8abfa e-con-full table-body-col e-flex e-con e-child\" data-id=\"0d8abfa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af45493 elementor-widget elementor-widget-heading\" data-id=\"af45493\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Responsabilidad civil general<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c49bec6 e-con-full table-body-col e-flex e-con e-child\" data-id=\"c49bec6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a1cf4a elementor-widget elementor-widget-heading\" data-id=\"6a1cf4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Cualquier negocio<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1eedc50 e-con-full table-body-col e-flex e-con e-child\" data-id=\"1eedc50\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e19b0de elementor-widget elementor-widget-heading\" data-id=\"e19b0de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Lesiones corporales, da\u00f1os a la propiedad, gastos m\u00e9dicos, difamaci\u00f3n, defensa legal y sentencias.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d90231 e-con-full table-body-row e-flex e-con e-child\" data-id=\"1d90231\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-99e16a2 e-con-full table-body-col e-flex e-con e-child\" data-id=\"99e16a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6eb429 elementor-widget elementor-widget-heading\" data-id=\"a6eb429\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Responsabilidad civil por productos<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56526e8 e-con-full table-head-col e-flex e-con e-child\" data-id=\"56526e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-755127c elementor-widget elementor-widget-heading\" data-id=\"755127c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Fabricantes, distribuidores y vendedores<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f1b731 e-con-full table-head-col e-flex e-con e-child\" data-id=\"0f1b731\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c64cdf4 elementor-widget elementor-widget-heading\" data-id=\"c64cdf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">P\u00e9rdidas derivadas de productos defectuosos que causen lesiones o da\u00f1os corporales.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f3f81f e-con-full table-body-row e-flex e-con e-child\" data-id=\"1f3f81f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a33cd80 e-con-full table-body-col e-flex e-con e-child\" data-id=\"a33cd80\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5be2b1c elementor-widget elementor-widget-heading\" data-id=\"5be2b1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Responsabilidad civil profesional<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab04239 e-con-full table-head-col e-flex e-con e-child\" data-id=\"ab04239\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5415820 elementor-widget elementor-widget-heading\" data-id=\"5415820\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Empresas que prestan servicios<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2885984 e-con-full table-head-col e-flex e-con e-child\" data-id=\"2885984\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e5e1d1 elementor-widget elementor-widget-heading\" data-id=\"2e5e1d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">P\u00e9rdidas por mala praxis, errores y negligencia<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db8a831 e-con-full table-body-row e-flex e-con e-child\" data-id=\"db8a831\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ff365f0 e-con-full table-body-col e-flex e-con e-child\" data-id=\"ff365f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bac30ac elementor-widget elementor-widget-heading\" data-id=\"bac30ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Propiedad comercia<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06d1c25 e-con-full table-body-col e-flex e-con e-child\" data-id=\"06d1c25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1154621 elementor-widget elementor-widget-heading\" data-id=\"1154621\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Empresas con activos f\u00edsicos significativos<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1eed983 e-con-full table-body-col e-flex e-con e-child\" data-id=\"1eed983\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc1b185 elementor-widget elementor-widget-heading\" data-id=\"cc1b185\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">P\u00e9rdidas y da\u00f1os a los bienes de la empresa por incendio, tormenta, vandalismo y m\u00e1s.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ebe6be e-con-full table-body-row e-flex e-con e-child\" data-id=\"1ebe6be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-705bdd3 e-con-full table-body-col e-flex e-con e-child\" data-id=\"705bdd3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c98b9c elementor-widget elementor-widget-heading\" data-id=\"2c98b9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">P\u00f3liza del empresario (BOP)<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35b86cd e-con-full table-body-col e-flex e-con e-child\" data-id=\"35b86cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e10f01 elementor-widget elementor-widget-heading\" data-id=\"3e10f01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Peque\u00f1os propietarios de negocios<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e496b5b e-con-full table-body-col e-flex e-con e-child\" data-id=\"e496b5b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0323e3 elementor-widget elementor-widget-heading\" data-id=\"d0323e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Combina responsabilidad civil general y propiedad comercial a una tarifa m\u00e1s rentable.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba116a2 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"ba116a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si est\u00e1 en la categor\u00eda de menor riesgo, considere una p\u00f3liza de propietario de negocio (BOP), que combina el seguro de responsabilidad civil general y de propiedad a una tarifa m\u00e1s accesible.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-148f8d1 elementor-widget elementor-widget-heading\" data-id=\"148f8d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 Seguro Necesita   una LLC o Corporaci\u00f3n?\n\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c9a026 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"8c9a026\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Constituir su negocio como una LLC o una corporaci\u00f3n le brinda una capa adicional de protecci\u00f3n en caso de que un incidente supere el l\u00edmite de cobertura de su seguro. Piense en ello como un respaldo para situaciones extremas, especialmente si trabaja en obras costosas. Consulte siempre con un abogado para determinar la mejor estructura para su situaci\u00f3n espec\u00edfica.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6c7450 icon-box-parent e-flex e-con-boxed e-con e-parent\" data-id=\"c6c7450\" data-element_type=\"container\" data-e-type=\"container\" id=\"\u00bfNecesito un Seguro para Trabajar como Handyman?\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-87706b4 e-con-full e-grid e-con e-child\" data-id=\"87706b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a4668a elementor-widget elementor-widget-heading\" data-id=\"5a4668a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"dark\">\u00bfNecesito un Seguro <\/span>   para Trabajar como Handyman?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-458eef9 e-con-full e-flex e-con e-child\" data-id=\"458eef9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce4aaa4 mb-0 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"ce4aaa4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si trabaja como handyman, conoce los riesgos que corre. El trabajo del handyman cubre casi todos los oficios: pintura, colgar puertas, reparaciones el\u00e9ctricas sencillas, peque\u00f1os trabajos de fontaner\u00eda y m\u00e1s. Eso tambi\u00e9n significa que usted es responsable de todos esos riesgos si algo sale mal.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Un propietario inteligente puede pedirle que muestre su prueba de cobertura antes de que comience cualquier trabajo. Tener esta cobertura le diferencia de sus competidores que no la tienen, y en muchos casos le conseguir\u00e1 m\u00e1s trabajo aunque sus precios sean un poco m\u00e1s altos.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">En la mayor\u00eda de los negocios de handyman unipersonales, lo que realmente necesita es la cobertura de responsabilidad civil general para Handyman, que le cubrir\u00e1 en la mayor\u00eda de las situaciones que podr\u00edan surgir en los sitios de trabajo:<\/span><\/p><p>\u00a0<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$1,000,000 de responsabilidad civil por siniestro<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$2,000,000 de l\u00edmite de cobertura global al a\u00f1o<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$1,000 de deducible<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">No recomendamos l\u00edmites de $300,000 o $500,000. La diferencia en precio frente a una p\u00f3liza de $1,000,000 suele ser de menos de $100, pero en caso de una p\u00e9rdida mayor, sentir\u00e1 la diferencia.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa1a8ac e-con-full icon-box-parent e-flex e-con e-child\" data-id=\"aa1a8ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f44ae1f e-con-full e-flex e-con e-child\" data-id=\"f44ae1f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5d6ec5 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"f5d6ec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6aeca2d mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"6aeca2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Otros Tipos de Seguros para Handyman:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2566082 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2566082\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La responsabilidad civil general es el seguro b\u00e1sico que debe tener, pero puede agregar otros tipos de cobertura seg\u00fan sus necesidades:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0d00f46 e-con-full e-flex e-con e-child\" data-id=\"0d00f46\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-deedeff elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"deedeff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9734417 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"9734417\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Seguro para veh\u00edculos comerciales:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cebc6f mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3cebc6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">Si tiene un accidente de trabajo con su veh\u00edculo, la aseguradora de su p\u00f3liza personal puede negar la reclamaci\u00f3n. El seguro comercial le garantiza cobertura en accidentes laborales y, al ser un gasto empresarial, puede deducirlo en su declaraci\u00f3n de impuestos, a diferencia del seguro personal.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be94f5b e-con-full e-flex e-con e-child\" data-id=\"be94f5b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3dc88d8 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"3dc88d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c3a36c mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"9c3a36c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Seguro de compensaci\u00f3n laboral:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-258c919 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"258c919\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">Si tiene empleados, es obligatorio en la mayor\u00eda de los estados.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14eeccf e-con-full e-flex e-con e-child\" data-id=\"14eeccf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee7cbfd elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"ee7cbfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d819100 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"d819100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Seguro Inland Marine:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02ad002 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"02ad002\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">Cubre sus herramientas y equipos contra robo, da\u00f1o o p\u00e9rdida, tanto en tr\u00e1nsito como en el lugar de trabajo.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c6ca740 e-flex e-con-boxed e-con e-parent\" data-id=\"1c6ca740\" data-element_type=\"container\" data-e-type=\"container\" id=\"Cobertura de Seguro Para Veh\u00edculos Comerciales\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-749a49db e-con-full e-flex e-con e-child\" data-id=\"749a49db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1b01b868 e-con-full e-flex e-con e-child\" data-id=\"1b01b868\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-158afa77 e-con-full e-flex e-con e-child\" data-id=\"158afa77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27ceea4 elementor-widget elementor-widget-heading\" data-id=\"27ceea4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cobertura de   <span class=\"dark\"> Seguro  <\/span>Para <span class=\"dark\">Veh\u00edculos Comerciales<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-499ccd84 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"499ccd84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3><b>\u00bfQu\u00e9 es el <span style=\"color: #ff9900;\">Seguro para<\/span> Veh\u00edculos Comerciales?<\/b><\/h3><p><span style=\"font-weight: 400;\">El seguro para autom\u00f3viles comerciales es una p\u00f3liza de cobertura de da\u00f1os f\u00edsicos y de responsabilidad civil para el uso de veh\u00edculos no cubierto por su p\u00f3liza de autom\u00f3vil personal. Los veh\u00edculos utilizados para actividades que generan ingresos no est\u00e1n cubiertos por p\u00f3lizas personales, ya que estas no fueron dise\u00f1adas para empresas.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">B\u00e1sicamente, cualquier veh\u00edculo que se utilice para fines de generaci\u00f3n de ingresos debe estar asegurado bajo su seguro de auto comercial. Esta p\u00f3liza tambi\u00e9n incluye cobertura para los empleados que conduzcan el veh\u00edculo. Los remolques de menos de 2,000 libras est\u00e1n cubiertos por responsabilidad civil; los de mayor tama\u00f1o deben a\u00f1adirse a la p\u00f3liza con cobertura completa. Recuerde que las herramientas u otros equipos almacenados en estos veh\u00edculos no est\u00e1n cubiertos contra da\u00f1os o robo por esta p\u00f3liza.<br \/><br \/><\/span><\/p><h3><b>\u00bfPor Qu\u00e9 Necesita un <span style=\"color: #ff9900;\">Seguro para Veh\u00edculos<\/span> Comerciales?<\/b><\/h3><p><span style=\"font-weight: 400;\">Los veh\u00edculos utilizados para actividades que producen ingresos no est\u00e1n cubiertos por su p\u00f3liza de autom\u00f3vil personal. En muchos casos estar\u00e1 obligado a contratarlo para cumplir con los requisitos contractuales en trabajos m\u00e1s grandes.<br \/><br \/><\/span><\/p><h3><b><span style=\"color: #ff9900;\">\u00bfQu\u00e9 Cubre el<\/span> Seguro para Veh\u00edculos Comerciales?<\/b><\/h3><ul><li><b>Responsabilidad civil por lesiones corporales:<\/b><span style=\"font-weight: 400;\"> Paga las lesiones o la muerte resultantes de un accidente del que sea culpable, incluyendo defensa legal si le demandan.<br \/><\/span><\/li><li><b>Responsabilidad civil por da\u00f1os a la propiedad:<\/b><span style=\"font-weight: 400;\"> Le protege si su veh\u00edculo da\u00f1a la propiedad de otra persona, incluyendo defensa legal.<br \/><\/span><\/li><li><b>L\u00edmite \u00fanico combinado (CSL):<\/b><span style=\"font-weight: 400;\"> Ofrece el mismo monto de cobertura por suceso cubierto, ya sean lesiones corporales o da\u00f1os materiales, para una o m\u00e1s personas.<br \/><\/span><\/li><li><b>Cobertura de da\u00f1os personales:<\/b><span style=\"font-weight: 400;\"> Paga los gastos m\u00e9dicos del conductor y los pasajeros de su veh\u00edculo incurridos como resultado de un accidente cubierto, independientemente de la culpa.<br \/><\/span><\/li><li><b>Cobertura de motorista sin seguro:<\/b><span style=\"font-weight: 400;\"> Paga sus lesiones y, en algunas circunstancias, ciertos da\u00f1os a la propiedad causados por un conductor sin seguro o que se da a la fuga. En algunos casos tambi\u00e9n se incluye cobertura de motorista con seguro insuficiente.<br \/><\/span><\/li><li><b>Cobertura a todo riesgo:<\/b><span style=\"font-weight: 400;\"> Paga los da\u00f1os a su veh\u00edculo por robo, vandalismo, inundaci\u00f3n, incendio y otros riesgos cubiertos.<br \/><\/span><\/li><li><b>Cobertura de colisi\u00f3n:<\/b><span style=\"font-weight: 400;\">\u00a0Paga los da\u00f1os a su veh\u00edculo cuando est\u00e1 involucrado en un accidente.<br \/><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Las herramientas, materiales y equipos transportados en su veh\u00edculo no est\u00e1n cubiertos por el seguro de veh\u00edculos comerciales. Para eso necesitar\u00e1 un seguro Inland Marine.<br \/><br \/><\/span><\/p><h3><b>\u00bfCu\u00e1nto Cuesta el Seguro <span style=\"color: #ff9900;\">para Veh\u00edculos Comerciales?<\/span><\/b><\/h3><p><span style=\"font-weight: 400;\">Para los peque\u00f1os contratistas, el costo medio anual ronda los $1,200 por veh\u00edculo. Sin embargo, hay muchos factores que pueden influir en el costo:<br \/><br \/><\/span><\/p><ol><li><b>Tipo de veh\u00edculo:<\/b><span style=\"font-weight: 400;\">\u00a0Los veh\u00edculos m\u00e1s grandes y pesados, como los volquetes, necesitan m\u00e1s cobertura y primas m\u00e1s altas.<\/span><\/li><li><b>Precio del veh\u00edculo:<\/b><span style=\"font-weight: 400;\">\u00a0La prima de da\u00f1os f\u00edsicos es un porcentaje del valor del veh\u00edculo; mayor valor significa primas m\u00e1s altas.<\/span><\/li><li><b>N\u00famero de veh\u00edculos:<\/b><span style=\"font-weight: 400;\">\u00a0Mayor n\u00famero de veh\u00edculos implica mayor exposici\u00f3n al riesgo y primas m\u00e1s elevadas.<\/span><\/li><li><b>N\u00famero de empleados que conducen:<\/b><span style=\"font-weight: 400;\">\u00a0M\u00e1s conductores equivale a tarifas m\u00e1s altas. El historial de conducci\u00f3n de los empleados tambi\u00e9n es un factor importante.<\/span><\/li><li><b>Distancia o radio de viaje:<\/b><span style=\"font-weight: 400;\">\u00a0Las distancias largas, especialmente cruzando fronteras estatales, aumentan el costo.<\/span><\/li><li><b>Tipos de cobertura y l\u00edmites:<\/b><span style=\"font-weight: 400;\">\u00a0L\u00edmites de cobertura m\u00e1s altos significan primas m\u00e1s altas; deducibles m\u00e1s altos resultan en primas m\u00e1s bajas.<\/span><\/li><li><b>Historial de cr\u00e9dito e historial de p\u00e9rdidas:<\/b><span style=\"font-weight: 400;\">\u00a0Un mal cr\u00e9dito o un historial de accidentes pueden aumentar significativamente las primas.<\/span><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7aa15b5 e-flex e-con-boxed e-con e-parent\" data-id=\"7aa15b5\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-get-your-free-insurance-quote\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c004f9c e-con-full e-flex e-con e-child\" data-id=\"c004f9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8234968 elementor-widget elementor-widget-heading\" data-id=\"8234968\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Obtenga una Cotizaci\u00f3n del Seguro Para Handyman<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0d245d elementor-widget elementor-widget-text-editor\" data-id=\"d0d245d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>S\u00f3lo 5 minutos de su valioso tiempo.<br \/>A menudo podemos obtener cobertura el mismo d\u00eda.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b84376e elementor-mobile-align-justify hero-btn width-auto elementor-mobile_extra-align-center elementor-widget-mobile_extra__width-initial elementor-tablet_extra-align-justify elementor-widget-tablet_extra__width-initial elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b84376e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/farmerbrown.com\/es\/cotizacion-de-seguro-instantanea-isc\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cotizaci\u00f3n Gratuita Instant\u00e1nea<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bae6486 icon-box-parent e-flex e-con-boxed e-con e-parent\" data-id=\"bae6486\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-handyman-insurance-cost\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8a258c6 e-con-full e-flex e-con e-child\" data-id=\"8a258c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb9b434 elementor-widget__width-initial elementor-widget-tablet_extra__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"fb9b434\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1nto Cuesta el Seguro de  <span class=\"dark\">Compensaci\u00f3n Laboral? <\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58635a8 elementor-widget elementor-widget-text-editor\" data-id=\"58635a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"gb-grid-column gb-grid-column-af8d4d16\"><div class=\"gb-container gb-container-af8d4d16\"><p class=\"heroText\"><span style=\"font-weight: 400;\">El seguro de compensaci\u00f3n laboral est\u00e1 regulado de manera diferente por cada estado. De hecho, 49 estados exigen que todas las empresas con empleados tengan esta cobertura (la excepci\u00f3n es Texas). El costo var\u00eda significativamente de un estado a otro, seg\u00fan los siguientes factores:<\/span><\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bd9636 e-con-full icon-box-parent e-flex e-con e-child\" data-id=\"2bd9636\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-be9529f e-con-full e-flex e-con e-child\" data-id=\"be9529f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-625c795 elementor-widget elementor-widget-heading\" data-id=\"625c795\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">1.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84a3f2b mb-0 elementor-widget elementor-widget-heading\" data-id=\"84a3f2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tipo de negocio:<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b259cfd e-con-full e-flex e-con e-child\" data-id=\"b259cfd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ebaedd mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3ebaedd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">El Consejo Nacional de Seguros de Compensaci\u00f3n (NCCI) supervisa los temas de compensaci\u00f3n laboral en gran parte del pa\u00eds. El NCCI ha desarrollado m\u00e1s de 700 c\u00f3digos de clase para categorizar los tipos de trabajo. Cuanto mayor sea el riesgo de una profesi\u00f3n, mayor ser\u00e1 el costo de la cobertura. Es l\u00f3gico que cubrir a un techador cueste m\u00e1s que cubrir a un empleado de oficina.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b054a02 e-con-full e-flex e-con e-child\" data-id=\"b054a02\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6eff8b elementor-widget elementor-widget-heading\" data-id=\"d6eff8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">2.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81b0ad2 mb-0 elementor-widget elementor-widget-heading\" data-id=\"81b0ad2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ubicaci\u00f3n de las operaciones:<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f2adaaf e-con-full e-flex e-con e-child\" data-id=\"f2adaaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33ee36e mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"33ee36e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Los estados con mayor regulaci\u00f3n, como California, tienen primas m\u00e1s altas que estados como Texas.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39eb6af e-con-full e-flex e-con e-child\" data-id=\"39eb6af\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f94e4e elementor-widget elementor-widget-heading\" data-id=\"7f94e4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">3.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-355a862 mb-0 elementor-widget elementor-widget-heading\" data-id=\"355a862\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Antig\u00fcedad del negocio:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72913c7 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"72913c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Las empresas nuevas generalmente deben entrar en el plan de riesgo asignado del estado, conocido como el Pool, que suele tener tarifas m\u00e1s elevadas que el mercado est\u00e1ndar.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7daf56 e-con-full e-flex e-con e-child\" data-id=\"e7daf56\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4015e78 elementor-widget elementor-widget-heading\" data-id=\"4015e78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">4.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2eb54c mb-0 elementor-widget elementor-widget-heading\" data-id=\"f2eb54c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Historial de seguridad o modificaci\u00f3n de experiencia (EM):<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b67619e e-con-full e-flex e-con e-child\" data-id=\"b67619e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c1cc31 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3c1cc31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A la empresa media se le asigna un EM de 1. Un EM inferior a 1 indica un buen historial de seguridad y resulta en primas m\u00e1s bajas. Un EM superior a 1 indica un historial deficiente y resulta en primas m\u00e1s altas. Por ejemplo, con una n\u00f3mina de $100,000 y una tasa estatal de $20 por cada $100 de n\u00f3mina: un techador seguro con EM de 0.75 pagar\u00e1 $15,000, un techador promedio con EM de 1 pagar\u00e1 $20,000 y un techador de alto riesgo con EM de 1.25 pagar\u00e1 $25,000.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b96034 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"0b96034\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ejemplos de costo por nivel de riesgo:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Empleado de oficina: bajo riesgo, aproximadamente $0.30 por cada $100 de n\u00f3mina.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contratista artesano: riesgo medio, aproximadamente $11 por cada $100 de n\u00f3mina.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Techador: alto riesgo, aproximadamente $30 por cada $100 de n\u00f3mina.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2208fc7 e-flex e-con-boxed e-con e-parent\" data-id=\"2208fc7\" data-element_type=\"container\" data-e-type=\"container\" id=\"\u00bfQu\u00e9 es una P\u00f3liza de Seguro Paraguas y Cu\u00e1nto Cuesta?\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0b5a0b3 e-con-full e-flex e-con e-child\" data-id=\"0b5a0b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48e3c54 elementor-widget elementor-widget-heading\" data-id=\"48e3c54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es una P\u00f3liza de Seguro Paraguas y Cu\u00e1nto Cuesta?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b0d7eaf e-con-full e-flex e-con e-child\" data-id=\"b0d7eaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c9b541 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"7c9b541\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"gb-container gb-container-0cd284a8\"><p class=\"has-text-color has-link-color wp-elements-d19a8ce71c25b1687ba9cd7a07950bef\"><span style=\"font-weight: 400;\">Vivimos en un pa\u00eds con alta incidencia de demandas judiciales. No importa lo cuidadoso y atento que sea, siempre existe la posibilidad de que su empresa sea demandada. Sin una p\u00f3liza paraguas, podr\u00eda perder sus bienes personales, incluyendo su casa, sus ahorros y sus veh\u00edculos, adem\u00e1s de su negocio.<\/span><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f58a67a mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"f58a67a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">El seguro paraguas cubre eventos improbables pero devastadores que superan los l\u00edmites de su p\u00f3liza principal. Imagine que un techador viene a reparar una gotera y accidentalmente provoca un incendio que destruye el edificio por completo. Esa p\u00e9rdida podr\u00eda ascender a millones de d\u00f3lares y, sin una p\u00f3liza paraguas, saldr\u00eda de su bolsillo.<br \/><br \/><\/span><\/p><p><span style=\"font-weight: 400;\">Con <a href=\"https:\/\/contractorsliability.com\/es\/\">ContractorsLiability.com<\/a> puede obtener hasta $10,000,000 de protecci\u00f3n de responsabilidad por encima de los l\u00edmites de sus otras p\u00f3lizas. La cobertura paraguas se aplica sobre la responsabilidad empresarial, la responsabilidad de autom\u00f3viles y la compensaci\u00f3n laboral. El costo de esta tranquilidad adicional es sorprendentemente bajo. Llame a uno de nuestros agentes al <a href=\"tel:888-973-0016\">888-973-0016<\/a> o escr\u00edbanos a <a href=\"mailto:info@contractorsliability.com\">info@contractorsliability.com<\/a> para conocer las opciones disponibles para su negocio.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-756737f e-con-full e-flex e-con e-child\" data-id=\"756737f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9161922 elementor-widget elementor-widget-image\" data-id=\"9161922\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"718\" height=\"420\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Que-es-una-Poliza-de-Seguro-Paraguas-y-Cuanto-Cuesta-2.webp\" class=\"attachment-full size-full wp-image-146480\" alt=\"Qu\u00e9 Es Una P\u00f3liza De Seguro Paraguas Y Cu\u00e1nto Cuesta 2\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Que-es-una-Poliza-de-Seguro-Paraguas-y-Cuanto-Cuesta-2.webp 718w, https:\/\/contractorsliability.com\/wp-content\/uploads\/Que-es-una-Poliza-de-Seguro-Paraguas-y-Cuanto-Cuesta-2-300x175.webp 300w\" sizes=\"(max-width: 718px) 100vw, 718px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36d9461 e-con-full full-width e-flex e-con e-parent\" data-id=\"36d9461\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b295af6 elementor-widget elementor-widget-template\" data-id=\"b295af6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"127607\" class=\"elementor elementor-127607 elementor-112637 elementor-112637\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-477c404d e-flex e-con-boxed e-con e-parent\" data-id=\"477c404d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4faed3be e-con-full e-flex e-con e-child\" data-id=\"4faed3be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fce9fd3 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"4fce9fd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/d9dbdcf1a0b6eacc81cb38f841b2fe9d02ee650d.png\" title=\"\" alt=\"libro de seguros para manitas\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e85a3bf e-con-full e-flex e-con e-child\" data-id=\"5e85a3bf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15c855a7 elementor-widget elementor-widget-heading\" data-id=\"15c855a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\nHemos recopilado toda la informaci\u00f3n m\u00e1s \u00fatil en nuestros  <span class=\"red\">e-books<\/span>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27b26ee6 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"27b26ee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Aprenda los aspectos pr\u00e1cticos del seguro para contratistas y c\u00f3mo proteger a su personal, su negocio y a usted mismo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68f2e491 e-con-full e-flex e-con e-child\" data-id=\"68f2e491\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-2d8644a2 e-con-full e-transform e-flex e-con e-child\" data-id=\"2d8644a2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.03,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" href=\"\/wp-content\/uploads\/A-Complete-Guide-for-Contractors-and-Handyman-Insurance-By-ContractorsLiability.Com-CL.pdf\" target=\"_blank\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e11ac64 mb-0 elementor-widget-laptop__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3e11ac64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLee sobre Seguros para Contratistas y Handyman\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-550982a9 elementor-widget elementor-widget-image\" data-id=\"550982a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"26\" height=\"26\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/gray-arrow-icon.svg\" class=\"attachment-full size-full wp-image-112100\" alt=\"link icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-76f3845e e-con-full e-transform e-flex e-con e-child\" data-id=\"76f3845e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.03,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" href=\"\/wp-content\/uploads\/MitigatingWorkersCompRiskseBook.pdf\" target=\"_blank\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7495ad74 mb-0 elementor-widget-laptop__width-initial elementor-widget-mobile_extra__width-initial elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7495ad74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Descubre m\u00e1s sobre C\u00f3mo Mitigar Riesgos en el Seguro de Compensaci\u00f3n para Trabajadores<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18852bde elementor-widget elementor-widget-image\" data-id=\"18852bde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"26\" height=\"26\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/gray-arrow-icon.svg\" class=\"attachment-full size-full wp-image-112100\" alt=\"link icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-719d00a e-con-full e-transform e-flex e-con e-child\" data-id=\"719d00a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.03,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" href=\"\/wp-content\/uploads\/eBookNavigatingChangesinCOI.pdf\" target=\"_blank\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43882075 mb-0 elementor-widget-laptop__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"43882075\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todo lo que necesitas saber sobre Certificados de Seguro (COI)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16ff0218 elementor-widget elementor-widget-image\" data-id=\"16ff0218\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"26\" height=\"26\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/gray-arrow-icon.svg\" class=\"attachment-full size-full wp-image-112100\" alt=\"link icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-beda292 elementor-align-left elementor-tablet_extra-align-right elementor-mobile_extra-align-justify elementor-mobile-align-justify hero-btn width-auto elementor-widget elementor-widget-button\" data-id=\"beda292\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/ebook-de-compensacion-de-trabajadores\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Leer ahora<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-478646f0 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"478646f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"640\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/contractors-big-logo.png\" class=\"attachment-large size-large wp-image-112161\" alt=\"Contractors Big Icon\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/contractors-big-logo.png 877w, https:\/\/contractorsliability.com\/wp-content\/uploads\/contractors-big-logo-300x240.png 300w, https:\/\/contractorsliability.com\/wp-content\/uploads\/contractors-big-logo-768x615.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9322bf3 icon-box-parent e-flex e-con-boxed e-con e-parent\" data-id=\"9322bf3\" data-element_type=\"container\" data-e-type=\"container\" id=\"\u00bfQu\u00e9 Seguro Necesitan los Contratistas Independientes?\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-43f3d06 e-con-full e-grid e-con e-child\" data-id=\"43f3d06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c44d0f elementor-widget elementor-widget-heading\" data-id=\"2c44d0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"dark\">\u00bfQu\u00e9 Seguro Necesitan <\/span>   los Contratistas Independientes?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0eb0d07 e-con-full e-flex e-con e-child\" data-id=\"0eb0d07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c84a30 mb-0 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"5c84a30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Hay dos formas principales de que un contratista independiente obtenga cobertura de responsabilidad civil general:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b3119e e-con-full icon-box-parent e-flex e-con e-child\" data-id=\"5b3119e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4bc62c6 e-con-full e-flex e-con e-child\" data-id=\"4bc62c6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32784a6 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"32784a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e85e9a0 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"e85e9a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">El contratista principal puede a\u00f1adirle a su p\u00f3liza como asegurado adicional:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b9e66b mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2b9e66b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Esto le permitir\u00e1 trabajar cubierto por su p\u00f3liza. Es m\u00e1s costoso para el contratista principal, pero le garantiza que usted tiene la cobertura necesaria con los tipos y l\u00edmites que ellos requieren.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99bee67 e-con-full e-flex e-con e-child\" data-id=\"99bee67\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6debc00 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"6debc00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7452053 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"7452053\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Puede obtener su propia p\u00f3liza de responsabilidad civil general:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f056245 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"f056245\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">Esta opci\u00f3n suele ser m\u00e1s barata. Puede demostrar a cualquier cliente o contratista principal que tiene cobertura solicitando un certificado de seguro a su aseguradora.<\/span><\/p><p><span style=\"font-weight: 400;\">Ambas opciones ofrecen protecci\u00f3n si usted o el contratista principal se enfrentan a una demanda por da\u00f1os corporales o materiales de terceros.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-303ca09 e-con-full e-flex e-con e-child\" data-id=\"303ca09\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18e8f25 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"18e8f25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06769e4 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"06769e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1les son las Ventajas de ser un Asegurado Adicional?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33a9e71 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"33a9e71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Un asegurado adicional es cualquier persona, adem\u00e1s del titular de la p\u00f3liza, que est\u00e1 cubierta por un seguro. Un asegurado adicional recibe:<br \/><br \/><\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cobertura de defensa legal: honorarios de abogados, costas judiciales y acuerdos o sentencias.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cobertura para demandas de terceros por da\u00f1os corporales, da\u00f1os a la propiedad y da\u00f1os publicitarios.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5a46ad e-con-full e-flex e-con e-child\" data-id=\"b5a46ad\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bcebdf elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"7bcebdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"44\" height=\"44\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/list-star.svg\" class=\"attachment-full size-full wp-image-113665\" alt=\"list star\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ec2546 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"8ec2546\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfQui\u00e9n es Responsable de A\u00f1adir un Asegurado Adicional?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bb1be9 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"4bb1be9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"heroText\"><span style=\"font-weight: 400;\">Solo los propietarios de las p\u00f3lizas pueden a\u00f1adir un asegurado adicional. Los contratistas independientes, en los contratos que han firmado, tendr\u00e1n en la mayor\u00eda de los casos obligaciones de seguro que deben cumplir. Estos requisitos contractuales les indicar\u00e1n lo que necesitan en materia de seguros.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3be1cee icon-box-parent e-flex e-con-boxed e-con e-parent\" data-id=\"3be1cee\" data-element_type=\"container\" data-e-type=\"container\" id=\"\u00bfCu\u00e1nto Cuesta el Seguro de Riesgo del Constructor y Qu\u00e9 Cubre?\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8668e6e e-con-full e-flex e-con e-child\" data-id=\"8668e6e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0a0112 elementor-widget__width-initial elementor-widget-tablet_extra__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"a0a0112\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1nto Cuesta el Seguro de Riesgo   <span class=\"dark\">del Constructor y Qu\u00e9 Cubre? <\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33e5104 elementor-widget elementor-widget-text-editor\" data-id=\"33e5104\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"gb-grid-column gb-grid-column-af8d4d16\"><div class=\"gb-container gb-container-af8d4d16\"><p><span style=\"font-weight: 400;\">Las p\u00f3lizas de riesgo del constructor, tambi\u00e9n conocidas como seguro de construcci\u00f3n, suelen costar entre el 1% y el 4% del costo total de la construcci\u00f3n. El costo depende del tipo de cobertura, las exclusiones de la p\u00f3liza y la ubicaci\u00f3n de la propiedad. Las propiedades cercanas a la costa o en zonas con alto riesgo de da\u00f1os por viento tendr\u00e1n un costo significativamente mayor.<br \/><br \/><\/span><\/p><p><span style=\"font-weight: 400;\">Contar con una compa\u00f1\u00eda de seguros de confianza es fundamental para agilizar sus reclamaciones y resolver cualquier incidente durante el proceso de construcci\u00f3n.<\/span><\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe14836 e-con-full icon-box-parent e-flex e-con e-child\" data-id=\"fe14836\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-72b086c e-con-full e-flex e-con e-child\" data-id=\"72b086c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e57783 elementor-widget elementor-widget-heading\" data-id=\"7e57783\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">1.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b861a0 mb-0 elementor-widget elementor-widget-heading\" data-id=\"0b861a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Coberturas Adicionales Disponibles:<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cfd7257 e-con-full e-flex e-con e-child\" data-id=\"cfd7257\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0acb20b mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"0acb20b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protecci\u00f3n de sus bienes contra p\u00e9rdida mientras son transportados al lugar de trabajo.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cobertura adicional para andamios, maquinaria de construcci\u00f3n y estructuras temporales.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Los bienes que se utilicen o instalen en el lugar asegurado quedan cubiertos.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La p\u00f3liza cubre los gastos para retirar escombros de los bienes cubiertos como resultado de un siniestro.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Los da\u00f1os causados por agua de alcantarillas y desag\u00fces suelen estar cubiertos.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b4555b0 e-con-full e-flex e-con e-child\" data-id=\"b4555b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d76c2e elementor-widget elementor-widget-heading\" data-id=\"3d76c2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">2.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d745826 mb-0 elementor-widget elementor-widget-heading\" data-id=\"d745826\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Limitaciones Importantes que Debe Conocer:<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e27991 e-con-full e-flex e-con e-child\" data-id=\"1e27991\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08fd368 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"08fd368\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No cubre los bienes ajenos al proyecto.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Los subcontratistas est\u00e1n obligados a tener su propio seguro.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No hay cobertura para herramientas o equipos a menos que se a\u00f1ada espec\u00edficamente.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No incluye cobertura de responsabilidad civil profesional.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No cubre accidentes en el lugar de trabajo.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La cobertura generalmente finaliza cuando el edificio est\u00e1 terminado u ocupado.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La prima se devenga en su totalidad: si compra una p\u00f3liza de 6 meses y el proyecto termina en 5, no habr\u00e1 reembolso de prima. Si su proyecto se retrasa, comun\u00edquese con su agente para obtener una pr\u00f3rroga y evitar vac\u00edos en la cobertura.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37115d9 icon-box-parent e-flex e-con-boxed e-con e-parent\" data-id=\"37115d9\" data-element_type=\"container\" data-e-type=\"container\" id=\"\u00bfQu\u00e9 Cubre El Seguro Para Handyman?\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ffbb24c e-con-full e-flex e-con e-child\" data-id=\"ffbb24c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9915186 e-con-full e-flex e-con e-child\" data-id=\"9915186\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b92d64 elementor-widget elementor-widget-heading\" data-id=\"3b92d64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 Cubre El Seguro Para  <span class=\"dark\">Handyman?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9d7f1a mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"c9d7f1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A continuaci\u00f3n se detallan algunos de los accidentes m\u00e1s comunes que cubre el seguro para handyman, as\u00ed como algunos ejemplos de estos accidentes relacionados con este trabajo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-152ad8c e-con-full icon-box-parent e-flex e-con e-child\" data-id=\"152ad8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cacb56f e-con-full e-flex e-con e-child\" data-id=\"cacb56f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7561637 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"7561637\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"56\" height=\"55\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1948755692-18.svg\" class=\"attachment-full size-full wp-image-122087\" alt=\"Injuries to the Body icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf0999d mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"bf0999d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Lesiones corporales:<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a31b96 e-con-full e-flex e-con e-child\" data-id=\"1a31b96\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5cd8921 e-con-full e-flex e-con e-child\" data-id=\"5cd8921\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b53f5e mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"4b53f5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Estas lesiones consisten en cualquier da\u00f1o corporal sufrido por un tercero como resultado directo de algo que usted o un empleado hicieron.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49264e0 e-con-full e-flex e-con e-child\" data-id=\"49264e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a414e8 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"3a414e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Ejemplo:<\/b>\u00a0Una manivela de grifo no asegurada sale volando y golpea a un cliente en la cara, caus\u00e1ndole un ojo morado y hematomas en la cara.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cef5344 e-con-full e-flex e-con e-child\" data-id=\"cef5344\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a71d6e elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"0a71d6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"56\" height=\"55\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1948755692-2-7.svg\" class=\"attachment-full size-full wp-image-122091\" alt=\"Medical Payments:\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f66a6f7 mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"f66a6f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Da\u00f1os publicitarios:<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4754bb e-con-full e-flex e-con e-child\" data-id=\"f4754bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-934ddca e-con-full e-flex e-con e-child\" data-id=\"934ddca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86bb93b mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"86bb93b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Los da\u00f1os publicitarios son cualquier tipo de acci\u00f3n emprendida contra una empresa en un entorno comercial, como la infracci\u00f3n de los derechos de autor o la difamaci\u00f3n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d60d103 e-con-full e-flex e-con e-child\" data-id=\"d60d103\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19101b9 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"19101b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Ejemplo:<\/b>\u00a0Su logotipo fue creado intencionadamente para parecerse al de un rival, as\u00ed que ahora su rival le demanda por infracci\u00f3n de derechos de autor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a6e1ed5 e-con-full e-flex e-con e-child\" data-id=\"a6e1ed5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4946883 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"4946883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"56\" height=\"55\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1948755692-2.svg\" class=\"attachment-full size-full wp-image-111831\" alt=\"building\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6cf11b mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"d6cf11b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Da\u00f1os a la propiedad:<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f5e154 e-con-full e-flex e-con e-child\" data-id=\"6f5e154\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-17357d0 e-con-full e-flex e-con e-child\" data-id=\"17357d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2e945e mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"b2e945e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cualquier alteraci\u00f3n que no haya sido prevista originalmente por el solicitante se clasifica como da\u00f1o a la propiedad.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-da0a427 e-con-full e-flex e-con e-child\" data-id=\"da0a427\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1c7ef5 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"b1c7ef5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Ejemplo:<\/b>\u00a0Un trabajo de pintura encargado por un centro de atenci\u00f3n telef\u00f3nica provoca accidentalmente da\u00f1os en la alfombra de dicho centro, lo que le obliga a sustituirla.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc027de e-con-full e-flex e-con e-child\" data-id=\"cc027de\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc19a1a elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"fc19a1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"56\" height=\"55\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Frame-1948755692-17.svg\" class=\"attachment-full size-full wp-image-118244\" alt=\"Affordable Premiums\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4517f5c mb-0 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"4517f5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Gastos m\u00e9dicos:<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-822a366 e-con-full e-flex e-con e-child\" data-id=\"822a366\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-12bee65 e-con-full e-flex e-con e-child\" data-id=\"12bee65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa1adb9 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"aa1adb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cuando un tercero resulta lesionado a causa de un suceso directamente relacionado con su empresa, a menudo tendr\u00e1 que indemnizarlo por los pagos m\u00e9dicos resultantes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bb4da5 e-con-full e-flex e-con e-child\" data-id=\"6bb4da5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f0806d mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"4f0806d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Ejemplo:<\/b>\u00a0Una protecci\u00f3n inadecuada en torno a un calentador de agua que ha instalado provoca quemaduras a un cliente. Sus facturas m\u00e9dicas ser\u00e1n cubiertas por su empresa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25afcd8 e-con-full e-flex e-con e-parent\" data-id=\"25afcd8\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-here-s-what-contractors-think\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5997226 elementor-widget elementor-widget-template\" data-id=\"5997226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"127601\" class=\"elementor elementor-127601 elementor-111947 elementor-111947\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34dae24a e-flex e-con-boxed e-con e-parent\" data-id=\"34dae24a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ee44027 elementor-widget elementor-widget-heading\" data-id=\"6ee44027\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Esto es lo que piensan <span class=\"red\">los contratistas <\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6adffd elementor-widget elementor-widget-html\" data-id=\"a6adffd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div id=\"trustpilot-widget-trustbox-0-wrapper\" style=\"z-index: 1000; clear: both;margin-left: 0px; margin-right:  0px;margin-top: 0px; margin-bottom: 0px;\"><div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"5bc4b604326e2600012889de\" data-style-height=\"240px\" data-style-width=\"100%\" data-stars=\"4,5\" data-theme=\"light\" id=\"trustpilot-widget-trustbox-0\" style=\"z-index: 1000 !important; position: relative;\"><iframe title=\"Customer reviews powered by Trustpilot\" loading=\"auto\" src=\"https:\/\/widget.trustpilot.com\/trustboxes\/54ad5defc6454f065c28af8b\/index.html?templateId=54ad5defc6454f065c28af8b&amp;businessunitId=5bc4b604326e2600012889de#locale=en-US&amp;styleHeight=240px&amp;styleWidth=100%25&amp;stars=4%2C5&amp;theme=light\" style=\"position: relative; height: 240px; width: 100%; border-style: none; display: block; overflow: hidden;\"><\/iframe><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c3301c3 e-flex e-con-boxed e-con e-parent\" data-id=\"c3301c3\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-frequently-asked-questions-faq\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9c43bff e-con-full e-flex e-con e-child\" data-id=\"9c43bff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf9fd5d elementor-widget elementor-widget-heading\" data-id=\"bf9fd5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Preguntas Frecuentes (FAQ)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a171d90 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"a171d90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Las siguientes son preguntas comunes sobre el Seguro para Handyman.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b4cbb1 e-con-full faqs e-flex e-con e-child\" data-id=\"6b4cbb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8c681d elementor-widget elementor-widget-n-accordion\" data-id=\"b8c681d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:250,&quot;sizes&quot;:[]},&quot;max_items_expended&quot;:&quot;one&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1930\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1930\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h2 class=\"e-n-accordion-item-title-text\"> \u00bfCu\u00e1les son los requisitos del seguro de handyman? <\/h2><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect width=\"30\" height=\"30\" rx=\"15\" fill=\"#F59544\"><\/rect><g clip-path=\"url(#clip0_3_9)\"><path d=\"M8 15H22\" stroke=\"white\" stroke-width=\"1.5\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_3_9\"><rect width=\"24\" height=\"24\" fill=\"white\" transform=\"translate(3 3)\"><\/rect><\/clipPath><\/defs><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect width=\"30\" height=\"30\" rx=\"15\" fill=\"#F59544\"><\/rect><g clip-path=\"url(#clip0_3_9)\"><path d=\"M15 8V22\" stroke=\"white\" stroke-width=\"1.5\" stroke-linejoin=\"round\"><\/path><path d=\"M8 15H22\" stroke=\"white\" stroke-width=\"1.5\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_3_9\"><rect width=\"24\" height=\"24\" fill=\"white\" transform=\"translate(3 3)\"><\/rect><\/clipPath><\/defs><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1930\" class=\"elementor-element elementor-element-9cac2a1 e-con-full faq-content e-flex e-con e-child\" data-id=\"9cac2a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1930\" class=\"elementor-element elementor-element-a4d14e8 e-flex e-con-boxed e-con e-child\" data-id=\"a4d14e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af494d2 elementor-widget elementor-widget-text-editor\" data-id=\"af494d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n<div id=\"collapse1\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading1\" data-bs-parent=\"#accordionExample\">\n<div class=\"accordion-body\">\n<p>Como regla general, la mayor\u00eda de los Estados no tienen ning\u00fan requisito de seguro para los manitas. Sin embargo, usted debe, como m\u00ednimo, tener un seguro de responsabilidad civil para manitas. El seguro de responsabilidad civil es el seguro b\u00e1sico de su negocio. Si usted necesita sacar un permiso o registrarse con una ciudad o pueblo para un trabajo que en la mayor\u00eda de los casos requieren que les proporcione un certificado de seguro que muestra que tiene la cobertura de responsabilidad civil general, sino que tambi\u00e9n puede requerir que usted proporcione una fianza.<\/p>\n<p>Usted tendr\u00e1 que comprobar en su \u00e1rea local cu\u00e1les son los requisitos. Var\u00edan mucho de una ciudad a otra.<\/p>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1931\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1931\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h2 class=\"e-n-accordion-item-title-text\"> \u00bfC\u00f3mo puedo obtener un certificado de seguro? <\/h2><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect width=\"30\" height=\"30\" rx=\"15\" fill=\"#F59544\"><\/rect><g clip-path=\"url(#clip0_3_9)\"><path d=\"M8 15H22\" stroke=\"white\" stroke-width=\"1.5\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_3_9\"><rect width=\"24\" height=\"24\" fill=\"white\" transform=\"translate(3 3)\"><\/rect><\/clipPath><\/defs><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect width=\"30\" height=\"30\" rx=\"15\" fill=\"#F59544\"><\/rect><g clip-path=\"url(#clip0_3_9)\"><path d=\"M15 8V22\" stroke=\"white\" stroke-width=\"1.5\" stroke-linejoin=\"round\"><\/path><path d=\"M8 15H22\" stroke=\"white\" stroke-width=\"1.5\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_3_9\"><rect width=\"24\" height=\"24\" fill=\"white\" transform=\"translate(3 3)\"><\/rect><\/clipPath><\/defs><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1931\" class=\"elementor-element elementor-element-c22bd25 e-con-full faq-content e-flex e-con e-child\" data-id=\"c22bd25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1931\" class=\"elementor-element elementor-element-74c8524 e-flex e-con-boxed e-con e-child\" data-id=\"74c8524\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7cc963 elementor-widget elementor-widget-text-editor\" data-id=\"c7cc963\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n<div id=\"collapse2\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading2\" data-bs-parent=\"#accordionExample\">\n<div class=\"accordion-body\">\n<p>Una vez que usted tiene una p\u00f3liza con ContractorsLiability.Com podemos proporcionarle Certificados de Seguro (COI) en menos de una hora en la mayor\u00eda de los casos. El COI enumera los diferentes tipos de seguro que tiene en una p\u00e1gina.<\/p>\n<p>El t\u00edpico COI enumera los diferentes tipos de seguro de negocios que tiene. As\u00ed que los diversos tipos de cobertura de seguro que puede tener como la responsabilidad civil general, compensaci\u00f3n de los trabajadores, herramientas y equipos (tambi\u00e9n conocido como seguro mar\u00edtimo interior), la responsabilidad profesional y el seguro de propiedad comercial.<\/p>\n<p>Tambi\u00e9n podemos incluir asegurados adicionales en el COI. Estos pueden ser los clientes para los que est\u00e1 trabajando o cualquier entidad municipal que pueda requerir un COI para un permiso o registro.<\/p>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1932\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1932\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h2 class=\"e-n-accordion-item-title-text\"> \u00bfQu\u00e9 hace que ContractorsLiability.Com sea la mejor opci\u00f3n para los handyman? <\/h2><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect width=\"30\" height=\"30\" rx=\"15\" fill=\"#F59544\"><\/rect><g clip-path=\"url(#clip0_3_9)\"><path d=\"M8 15H22\" stroke=\"white\" stroke-width=\"1.5\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_3_9\"><rect width=\"24\" height=\"24\" fill=\"white\" transform=\"translate(3 3)\"><\/rect><\/clipPath><\/defs><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect width=\"30\" height=\"30\" rx=\"15\" fill=\"#F59544\"><\/rect><g clip-path=\"url(#clip0_3_9)\"><path d=\"M15 8V22\" stroke=\"white\" stroke-width=\"1.5\" stroke-linejoin=\"round\"><\/path><path d=\"M8 15H22\" stroke=\"white\" stroke-width=\"1.5\" stroke-linejoin=\"round\"><\/path><\/g><defs><clipPath id=\"clip0_3_9\"><rect width=\"24\" height=\"24\" fill=\"white\" transform=\"translate(3 3)\"><\/rect><\/clipPath><\/defs><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1932\" class=\"elementor-element elementor-element-d710a69 e-con-full faq-content e-flex e-con e-child\" data-id=\"d710a69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1932\" class=\"elementor-element elementor-element-d4c456c e-flex e-con-boxed e-con e-child\" data-id=\"d4c456c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d07ebda elementor-widget elementor-widget-text-editor\" data-id=\"d07ebda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"accordion-item\">\n<div id=\"collapse2\" class=\"accordion-collapse collapse show\" aria-labelledby=\"heading2\" data-bs-parent=\"#accordionExample\">\n<div class=\"accordion-body\">\n<p>Es f\u00e1cil obtener una cotizaci\u00f3n de seguro de handyman en ContractorsLiability.com. Los proveedores de seguros gen\u00e9ricos tratan a los clientes que buscan un seguro comercial de la misma manera, independientemente de su profesi\u00f3n, lo que puede conducir a problemas. Hacemos un punto para entender los contratistas. Hacemos un punto para trabajar exclusivamente con los contratistas y explicar sus opciones de cobertura. Esto asegurar\u00e1 que su pr\u00f3xima p\u00f3liza de seguro tenga toda la cobertura que necesita.<\/p>\n<p>Trabajamos en su nombre para mantener el costo de su seguro asequible. S\u00f3lo suscribimos p\u00f3lizas con las mejores compa\u00f1\u00edas de seguros para manitas. Todo el tiempo nos aseguramos de que usted tiene la cobertura que necesita para proteger su propiedad comercial y los activos personales que usted trabaj\u00f3 tan duro para obtener est\u00e1n protegidos.<\/p>\n<p>Mediante el estudio de sus necesidades \u00fanicas, tenemos el poder de proporcionar los planes de seguros m\u00e1s completos y personalizados disponibles en la actualidad. Adem\u00e1s, ofrecemos lo siguiente:<\/p>\n<ul>\n<li>Tarifas asequibles de proveedores de seguros con calificaci\u00f3n A.<\/li>\n<li>Agentes de seguros con licencia disponibles cuando los necesite.<\/li>\n<li>Paquetes personalizados basados en su l\u00ednea de trabajo.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4682c16 e-con-full full-width e-flex e-con e-parent\" data-id=\"4682c16\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77c0d25 elementor-widget elementor-widget-template\" data-id=\"77c0d25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"127611\" class=\"elementor elementor-127611 elementor-115269 elementor-115269\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fed075d e-flex e-con-boxed e-con e-parent\" data-id=\"1fed075d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7ba5f560 e-con-full e-flex e-con e-child\" data-id=\"7ba5f560\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-709fdb9f e-con-full e-flex e-con e-child\" data-id=\"709fdb9f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47c1918e elementor-widget elementor-widget-heading\" data-id=\"47c1918e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Otros Seguros que Vale la Pena Considerar\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17036d0a e-con-full e-flex e-con e-child\" data-id=\"17036d0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-178e8482 elementor-mobile-align-justify hero-btn width-auto elementor-mobile_extra-align-justify elementor-tablet_extra-align-right elementor-align-right elementor-widget elementor-widget-button\" data-id=\"178e8482\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/es\/coverages\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ver las coberturas<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-787d9c06 e-con-full e-grid e-con e-child\" data-id=\"787d9c06\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<a class=\"elementor-element elementor-element-223506a e-con-full e-transform e-flex e-con e-child\" data-id=\"223506a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.02,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" href=\"\/es\/coberturas\/builders-risk-insurance\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e133222 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-image\" data-id=\"7e133222\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Rectangle-38.png\" title=\"\" alt=\"Trabajador de hierro-alturas de trabajo\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e134d9e mb-0 elementor-widget elementor-widget-heading\" data-id=\"7e134d9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Seguro de Riesgo para Constructores<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-2170fa86 e-con-full e-transform e-flex e-con e-child\" data-id=\"2170fa86\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.02,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" href=\"\/es\/coberturas\/seguro-para-vehiculos-comerciales\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52bbb8ad elementor-widget-mobile__width-inherit elementor-widget elementor-widget-image\" data-id=\"52bbb8ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Rectangle-38-1.png\" title=\"\" alt=\"almac\u00e9n de minibuses de carga con productos\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7652b41f mb-0 elementor-widget elementor-widget-heading\" data-id=\"7652b41f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Seguro de Auto Comercial<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-1298a4fc e-con-full e-transform e-flex e-con e-child\" data-id=\"1298a4fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.02,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" href=\"\/es\/coberturas\/inland-marine-insurance\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1899281d elementor-widget-mobile__width-inherit elementor-widget elementor-widget-image\" data-id=\"1899281d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Rectangle-38-2.png\" title=\"\" alt=\"herramientas-equipos\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d6f3495 mb-0 elementor-widget elementor-widget-heading\" data-id=\"1d6f3495\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Seguro de Herramientas y Equipamento<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-7a2c8452 e-con-full e-transform e-flex e-con e-child\" data-id=\"7a2c8452\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.02,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" href=\"\/es\/coberturas\/seguro-de-compensacion-para-el-trabajador\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ccbf6d elementor-widget-mobile__width-inherit elementor-widget elementor-widget-image\" data-id=\"9ccbf6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/Rectangle-38-3.png\" title=\"\" alt=\"trabajadores examinando el trabajo\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3652324f mb-0 elementor-widget elementor-widget-heading\" data-id=\"3652324f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Compensaci\u00f3n para el Trabajador<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-446a355 e-con-full full-width e-flex e-con e-parent\" data-id=\"446a355\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b40647d elementor-widget elementor-widget-template\" data-id=\"b40647d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"127618\" class=\"elementor elementor-127618 elementor-115232 elementor-115232\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b3d420b e-flex e-con-boxed e-con e-parent\" 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