{"id":71220,"date":"2024-09-12T13:43:38","date_gmt":"2024-09-12T18:43:38","guid":{"rendered":"https:\/\/contractorsliability.com\/coberturas\/workers-compensation-ghost-policy\/"},"modified":"2026-03-18T23:03:16","modified_gmt":"2026-03-19T04:03:16","slug":"compensacion-al-trabajador-poliza-fantasma","status":"publish","type":"page","link":"https:\/\/contractorsliability.com\/es\/coberturas\/compensacion-al-trabajador-poliza-fantasma\/","title":{"rendered":"P\u00f3liza fantasma de compensaci\u00f3n al trabajador"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"71220\" class=\"elementor elementor-71220 elementor-67897\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-274460fe e-flex e-con-boxed e-con e-parent\" data-id=\"274460fe\" 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-177efae1 elementor-widget elementor-widget-heading\" data-id=\"177efae1\" 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\/coberturas\/\">Coberturas<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53b9f15d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"53b9f15d\" data-element_type=\"widget\" data-e-type=\"widget\" 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<div class=\"elementor-element elementor-element-2e8c98de elementor-widget elementor-widget-heading\" data-id=\"2e8c98de\" 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 fantasma de compensaci\u00f3n al trabajador<\/span>\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-5271f57 hero-section e-flex e-con-boxed e-con e-parent\" data-id=\"5271f57\" 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-fe59363 e-con-full e-flex e-con e-child\" data-id=\"fe59363\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0fa3034 elementor-widget elementor-widget-heading\" data-id=\"0fa3034\" 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\">\n<span class=\"dark\">\nCobertura fantasma <\/span>para lesiones de empleados: una estrategia de protecci\u00f3n clave<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4af3648 e-con-full e-flex e-con e-child\" data-id=\"4af3648\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f0cd3c mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"1f0cd3c\" 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>Aseg\u00farese de que su empresa est\u00e9 protegida con la cobertura fantasma para lesiones laborales, un tipo de seguro esencial que ayuda a gestionar incidentes imprevistos en el lugar de trabajo. Ya sea que opere una peque\u00f1a empresa o una gran corporaci\u00f3n, esta p\u00f3liza le ofrece una red de seguridad que le protege de posibles responsabilidades relacionadas con lesiones laborales. Nuestras opciones personalizadas le brindan protecci\u00f3n esencial, permiti\u00e9ndole concentrarse en sus operaciones sin la carga de posibles repercusiones financieras derivadas de accidentes laborales.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5dd69b 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=\"b5dd69b\" 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\/free-quote\/\">\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-b79695e image-section e-flex e-con-boxed e-con e-parent\" data-id=\"b79695e\" 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-ef54a35 e-con-full e-flex e-con e-child\" data-id=\"ef54a35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f63440 elementor-widget elementor-widget-image\" data-id=\"4f63440\" 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\/Workers-Compensation-Ghost-Policy-2.png\" title=\"\" alt=\"P\u00f3liza fantasma de compensaci\u00f3n laboral\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-391c99f e-flex e-con-boxed e-con e-parent\" data-id=\"391c99f\" 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-ef5bac7 states-faqs elementor-widget elementor-widget-n-accordion\" data-id=\"ef5bac7\" 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 contenido <\/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=\"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\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=\"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<\/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-c42001e e-con-full e-flex e-con e-child\" data-id=\"c42001e\" 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-55c808f toc-btn e-flex e-con-boxed e-con e-child\" data-id=\"55c808f\" 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-231653a elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"231653a\" 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-what-is-a-workers-compensation-ghost-policy\">\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 fantasma 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-c18ed1a elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"c18ed1a\" 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-a-general-liability-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 de seguro de responsabilidad civil general<\/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-df19868 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"df19868\" 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-what-does-a-workers-compensation-ghost-policy-cover\">\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 una p\u00f3liza fantasma 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-f9d67bb elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"f9d67bb\" 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-why-do-you-need-a-workers-compensation-ghost-policy\">\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\">\u00bfPor qu\u00e9 necesita una p\u00f3liza fantasma 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-6c98216 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"6c98216\" 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-what-s-not-covered-by-a-workers-compensation-ghost-policy\">\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 no cubre una p\u00f3liza fantasma 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-2ff42a8 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"2ff42a8\" 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-how-does-a-workers-compensation-ghost-policy-work\">\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\"> \u00bfC\u00f3mo funciona una p\u00f3liza fantasma 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-d112422 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"d112422\" 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-what-does-a-workers-compensation-ghost-policy-cost\">\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 una p\u00f3liza fantasma 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-64fcc77 elementor-align-justify elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"64fcc77\" 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-c47f462 elementor-align-justify elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"c47f462\" 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-10a4d7b e-flex e-con-boxed e-con e-parent\" data-id=\"10a4d7b\" 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-0944752 e-con-full e-flex e-con e-child\" data-id=\"0944752\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-14853fc e-con-full e-flex e-con e-child\" data-id=\"14853fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8969d30 elementor-widget elementor-widget-heading\" data-id=\"8969d30\" 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\">Introducci\u00f3n\n<\/h2>\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-c0337c7 e-con-full e-flex e-con e-child\" data-id=\"c0337c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-507af0c elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"507af0c\" 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=\"tw-target-text\" class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Gestionar cualquier negocio conlleva riesgos inherentes, especialmente en lo que respecta a la seguridad y la salud de sus empleados. La cobertura fantasma es crucial para mitigar estos riesgos, garantizando que sus empleados reciban el apoyo que necesitan y, al mismo tiempo, protegiendo a su organizaci\u00f3n de desaf\u00edos legales y financieros inesperados.\"><span class=\"Y2IQFc\" lang=\"es\">Gestionar cualquier negocio conlleva riesgos inherentes, especialmente en lo que respecta a la seguridad y la salud de sus empleados. La cobertura fantasma es crucial para mitigar estos riesgos, garantizando que sus empleados reciban el apoyo que necesitan y, al mismo tiempo, protegiendo a su organizaci\u00f3n de desaf\u00edos legales y financieros inesperados.<\/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-3a0e916 e-con-full e-flex e-con e-child\" data-id=\"3a0e916\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-12d935a e-con-full e-flex e-con e-child\" data-id=\"12d935a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df81a00 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"df81a00\" 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\">\u00bfSab\u00edas?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fafc9ca mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"fafc9ca\" 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>Subcontratista no asegurado = Empleado<\/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-d7e83e0 video-section e-flex e-con-boxed e-con e-parent\" data-id=\"d7e83e0\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-what-is-a-workers-compensation-ghost-policy\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-dc933fc e-con-full e-flex e-con e-child\" data-id=\"dc933fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-962b165 elementor-widget elementor-widget-heading\" data-id=\"962b165\" 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\">\n<span class=\"dark\">\u00bfQu\u00e9 es<\/span> una p\u00f3liza fantasma de compensaci\u00f3n laboral?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85528db e-grid e-con-full e-con e-child\" data-id=\"85528db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f7986df e-con-full e-flex e-con e-child\" data-id=\"f7986df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5236404 e-con-full e-flex e-con e-child\" data-id=\"5236404\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-83096e1 e-con-full e-flex e-con e-child\" data-id=\"83096e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ba1b9f mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"2ba1b9f\" 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=\"tw-target-text\" class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Una p\u00f3liza fantasma de compensaci\u00f3n laboral es un tipo de seguro \u00fanico que brinda cobertura a empresas que no tienen empleados en n\u00f3mina o que est\u00e1n en proceso de transici\u00f3n entre p\u00f3lizas. Funciona como un sustituto, garantizando que cualquier reclamaci\u00f3n derivada de antiguos empleados se siga atendiendo sin cobertura activa. Esta p\u00f3liza es esencial para protegerse contra posibles responsabilidades que puedan surgir incluso cuando una empresa se encuentra temporalmente sin empleados.\n\nComo propietario de un negocio, es vital mantener una cobertura adecuada, incluso durante los per\u00edodos de transici\u00f3n. La p\u00f3liza fantasma ofrece tranquilidad, garantizando el cumplimiento de la normativa y la capacidad de gestionar cualquier reclamaci\u00f3n inesperada que pueda surgir.\"><span class=\"Y2IQFc\" lang=\"es\">Una p\u00f3liza fantasma de compensaci\u00f3n laboral es un tipo de seguro \u00fanico que brinda cobertura a empresas que no tienen empleados en n\u00f3mina o que est\u00e1n en proceso de transici\u00f3n entre p\u00f3lizas. Funciona como un sustituto, garantizando que cualquier reclamaci\u00f3n derivada de antiguos empleados se siga atendiendo sin cobertura activa. Esta p\u00f3liza es esencial para protegerse contra posibles responsabilidades que puedan surgir incluso cuando una empresa se encuentra temporalmente sin empleados. <\/span><\/p><p dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Una p\u00f3liza fantasma de compensaci\u00f3n laboral es un tipo de seguro \u00fanico que brinda cobertura a empresas que no tienen empleados en n\u00f3mina o que est\u00e1n en proceso de transici\u00f3n entre p\u00f3lizas. Funciona como un sustituto, garantizando que cualquier reclamaci\u00f3n derivada de antiguos empleados se siga atendiendo sin cobertura activa. Esta p\u00f3liza es esencial para protegerse contra posibles responsabilidades que puedan surgir incluso cuando una empresa se encuentra temporalmente sin empleados.\n\nComo propietario de un negocio, es vital mantener una cobertura adecuada, incluso durante los per\u00edodos de transici\u00f3n. La p\u00f3liza fantasma ofrece tranquilidad, garantizando el cumplimiento de la normativa y la capacidad de gestionar cualquier reclamaci\u00f3n inesperada que pueda surgir.\">\u00a0<\/p><p class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Una p\u00f3liza fantasma de compensaci\u00f3n laboral es un tipo de seguro \u00fanico que brinda cobertura a empresas que no tienen empleados en n\u00f3mina o que est\u00e1n en proceso de transici\u00f3n entre p\u00f3lizas. Funciona como un sustituto, garantizando que cualquier reclamaci\u00f3n derivada de antiguos empleados se siga atendiendo sin cobertura activa. Esta p\u00f3liza es esencial para protegerse contra posibles responsabilidades que puedan surgir incluso cuando una empresa se encuentra temporalmente sin empleados.\n\nComo propietario de un negocio, es vital mantener una cobertura adecuada, incluso durante los per\u00edodos de transici\u00f3n. La p\u00f3liza fantasma ofrece tranquilidad, garantizando el cumplimiento de la normativa y la capacidad de gestionar cualquier reclamaci\u00f3n inesperada que pueda surgir.\"><span class=\"Y2IQFc\" lang=\"es\">Como propietario de un negocio, es vital mantener una cobertura adecuada, incluso durante los per\u00edodos de transici\u00f3n. La p\u00f3liza fantasma ofrece tranquilidad, garantizando el cumplimiento de la normativa y la capacidad de gestionar cualquier reclamaci\u00f3n inesperada que pueda surgir.<\/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<\/div>\n\t\t<div class=\"elementor-element elementor-element-494e243 e-con-full e-flex e-con e-child\" data-id=\"494e243\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bd0843 elementor-widget elementor-widget-video\" data-id=\"7bd0843\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/Ek7CtMb0ujk&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-076f5df e-flex e-con-boxed e-con e-parent\" data-id=\"076f5df\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-get-a-general-liability-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\t\t<div class=\"elementor-element elementor-element-5329d88 elementor-widget elementor-widget-heading\" data-id=\"5329d88\" 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\">Obtenga una cotizaci\u00f3n gratuita de seguro de responsabilidad civil general<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa2e97d elementor-widget elementor-widget-text-editor\" data-id=\"fa2e97d\" 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 id=\"KnM9nf\" class=\"PZPZlf\" data-attrid=\"tw-sourceArea\" data-entityname=\"Google Translate\"><p id=\"tw-smenu\" class=\"tw-menu\"><span style=\"font-size: 1rem; white-space-collapse: preserve;\">En solo 5 minutos de su valioso tiempo. A menudo podemos ofrecerle cobertura el mismo d\u00eda.<\/span><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29eb290 elementor-mobile-align-justify hero-btn width-auto elementor-mobile_extra-align-center elementor-widget-mobile_extra__width-inherit elementor-tablet_extra-align-justify elementor-widget-tablet_extra__width-initial elementor-align-center elementor-widget elementor-widget-button\" data-id=\"29eb290\" 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\/free-quote\/\">\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\"> Obtenga una 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb0b0af e-flex e-con-boxed e-con e-parent\" data-id=\"fb0b0af\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-get-a-general-liability-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-7f6cf9a e-con-full e-flex e-con e-child\" data-id=\"7f6cf9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a608dfb e-con-full e-flex e-con e-child\" data-id=\"a608dfb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4659fe4 elementor-widget elementor-widget-heading\" data-id=\"4659fe4\" 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\">\n\n\n<span class=\"dark\">Obtenga una cotizaci\u00f3n <\/span>gratuita de seguro de responsabilidad civil general<\/h2>\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-cb950ac e-con-full e-flex e-con e-child\" data-id=\"cb950ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3684cfa form-styles elementor-widget elementor-widget-text-editor\" data-id=\"3684cfa\" 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 id='wufoo-s1oobibk1w54jsi'>\nFill out my <a href='https:\/\/contractorsliability.wufoo.com\/forms\/s1oobibk1w54jsi'>online form<\/a>.\n<\/div>\n<script type='text\/javascript'>var s1oobibk1w54jsi;(function(d, t) {\nvar s = d.createElement(t), options = {\n'userName'      : 'contractorsliability',    \n'formHash'      : 's1oobibk1w54jsi',    \n'autoResize'    :  true,   \n'height'        : '609',      \n'async'         :  true,          \n'header'        : 'hide',      \n'host'          : 'wufoo.com',    \n'entSource'     : 'wordpress',   \n'defaultValues' : ''     \n,'ssl'          :  1           };\ns.src = ('https:' == d.location.protocol ? 'https:\/\/' : 'http:\/\/') + 'secure.wufoo.com\/scripts\/embed\/form.js';\ns.onload = s.onreadystatechange = function() {\nvar rs = this.readyState; if (rs) if (rs != 'complete') if (rs != 'loaded') return;\ntry { s1oobibk1w54jsi = new WufooForm();s1oobibk1w54jsi.initialize(options);s1oobibk1w54jsi.display(); } catch (e) {}}\nvar scr = d.getElementsByTagName(t)[0], par = scr.parentNode; par.insertBefore(s, scr);\n})(document, 'script');<\/script> <noscript> <iframe height=\"609\" allowTransparency=\"true\" sandbox=\"allow-top-navigation allow-scripts allow-popups allow-forms allow-same-origin allow-popups-to-escape-sandbox\" frameborder=\"0\" scrolling=\"no\" style=\"width:100%;border:none;\"src=\"https:\/\/contractorsliability.wufoo.com\/embed\/s1oobibk1w54jsi?entsource=wordpress\"><a href=\"https:\/\/contractorsliability.wufoo.com\/forms\/s1oobibk1w54jsi?entsource=wordpress\" rel=\"nofollow\">Fill out my Wufoo form!<\/a><\/iframe> <\/noscript>\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-85c487c icon-box-parent e-flex e-con-boxed e-con e-parent\" data-id=\"85c487c\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-what-does-a-workers-compensation-ghost-policy-cover\" 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-8e63dc3 e-con-full e-grid e-con e-child\" data-id=\"8e63dc3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c49abc8 elementor-widget elementor-widget-heading\" data-id=\"c49abc8\" 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\">\n\n\u00bfQu\u00e9 cubre una p\u00f3liza fantasma de compensaci\u00f3n<span class=\"dark\"> laboral?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b039e4f e-con-full e-flex e-con e-child\" data-id=\"b039e4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20f9ab5 mb-0 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"20f9ab5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tUna p\u00f3liza fantasma de compensaci\u00f3n laboral cubre principalmente las reclamaciones relacionadas con lesiones laborales que puedan surgir durante el periodo en que la cobertura activa no est\u00e9 vigente. Esto es lo que suele incluir este tipo de p\u00f3liza:\n\n\n\n\n\n\n\n\n\n\n\n\n\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-25d9857 e-con-full icon-box-parent e-flex e-con e-child\" data-id=\"25d9857\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0336220 e-con-full e-flex e-con e-child\" data-id=\"0336220\" 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-bd9767c elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"bd9767c\" 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-58cd46b mb-0 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-heading\" data-id=\"58cd46b\" 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\nReclamaciones pasadas:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dabb288 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"dabb288\" 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>Aborda cualquier reclamaci\u00f3n relacionada con empleados que hayan sufrido lesiones en el trabajo, incluso si ya no trabajan en la empresa.<br \/><br \/><br \/><strong>Ejemplo:<\/strong> Un exempleado presenta una reclamaci\u00f3n por una lesi\u00f3n sufrida hace a\u00f1os mientras trabajaba para su empresa.<\/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-8f1a461 e-con-full e-flex e-con e-child\" data-id=\"8f1a461\" 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-ceed4c0 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"ceed4c0\" 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-8a601a6 mb-0 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-heading\" data-id=\"8a601a6\" 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\">Cobertura de responsabilidad:\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76140c7 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"76140c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tProporciona protecci\u00f3n esencial contra posibles repercusiones legales por incidentes ocurridos durante el tiempo que el empleado estuvo en n\u00f3mina.\n<br\/><br\/>\n<strong>Ejemplo:<\/strong> Surge una reclamaci\u00f3n relacionada con una lesi\u00f3n laboral que no se resolvi\u00f3 por completo antes de la baja del empleado.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-924f42d e-con-full e-flex e-con e-child\" data-id=\"924f42d\" 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-f46187a elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"f46187a\" 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-d8a1b6e mb-0 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-heading\" data-id=\"d8a1b6e\" 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\">Cumplimiento normativo:\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e19e7e0 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"e19e7e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tAyuda a garantizar que su empresa cumpla con las leyes estatales en materia de compensaci\u00f3n laboral, evitando multas o sanciones por interrupciones en la cobertura.\n<br\/><br\/>\n<strong>Ejemplo:<\/strong> Evita problemas legales cuando una investigaci\u00f3n revela lesiones laborales pasadas que podr\u00edan dar lugar a reclamaciones.\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-58ce5ad e-con-full e-flex e-con e-child\" data-id=\"58ce5ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88c7905 mb-0 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"88c7905\" 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=\"tw-target-text\" class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: La cobertura fantasma es una herramienta crucial para gestionar el riesgo, especialmente en tiempos de transici\u00f3n, garantizando que su empresa pueda responder eficazmente a cualquier reclamo que pueda surgir.\"><span class=\"Y2IQFc\" lang=\"es\">La cobertura fantasma es una herramienta crucial para gestionar el riesgo, especialmente en tiempos de transici\u00f3n, garantizando que su empresa pueda responder eficazmente a cualquier reclamo que pueda surgir.<\/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-42299a6a e-con-full full-width e-flex e-con e-parent\" data-id=\"42299a6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c0daf2c elementor-widget elementor-widget-template\" data-id=\"3c0daf2c\" 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-b940c8b e-flex e-con-boxed e-con e-parent\" data-id=\"b940c8b\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-why-do-you-need-a-workers-compensation-ghost-policy\" 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-26a02e4 e-con-full e-flex e-con e-child\" data-id=\"26a02e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cb34d8 elementor-widget elementor-widget-heading\" data-id=\"3cb34d8\" 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\">\n\n<span class=\"dark\">\u00bfPor qu\u00e9 <\/span> necesita una p\u00f3liza fantasma de compensaci\u00f3n laboral?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ede8dc2 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"ede8dc2\" 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=\"tw-target-text\" class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Una pol\u00edtica fantasma de compensaci\u00f3n laboral es vital para mantener la continuidad de la cobertura y proteger a su empresa de posibles responsabilidades. Garantizar su protecci\u00f3n contra reclamaciones relacionadas con antiguos empleados, incluso cuando no haya personal activo.\n\nEsta pol\u00edtica es especialmente importante para empresas que experimentan fluctuaciones en el empleo o que est\u00e1n en procesos de cambios estructurales. Al contar con una p\u00f3liza fantasma, demuestra su compromiso con el cumplimiento normativo y el bienestar de los empleados, brindando un apoyo crucial en caso de que surjan reclamaciones inesperadas.\"><span class=\"Y2IQFc\" lang=\"es\">Una pol\u00edtica fantasma de compensaci\u00f3n laboral es vital para mantener la continuidad de la cobertura y proteger a su empresa de posibles responsabilidades. Garantizar su protecci\u00f3n contra reclamaciones relacionadas con antiguos empleados, incluso cuando no haya personal activo.<\/span><\/p><p dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Una pol\u00edtica fantasma de compensaci\u00f3n laboral es vital para mantener la continuidad de la cobertura y proteger a su empresa de posibles responsabilidades. Garantizar su protecci\u00f3n contra reclamaciones relacionadas con antiguos empleados, incluso cuando no haya personal activo.\n\nEsta pol\u00edtica es especialmente importante para empresas que experimentan fluctuaciones en el empleo o que est\u00e1n en procesos de cambios estructurales. Al contar con una p\u00f3liza fantasma, demuestra su compromiso con el cumplimiento normativo y el bienestar de los empleados, brindando un apoyo crucial en caso de que surjan reclamaciones inesperadas.\">\u00a0<\/p><p class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Una pol\u00edtica fantasma de compensaci\u00f3n laboral es vital para mantener la continuidad de la cobertura y proteger a su empresa de posibles responsabilidades. Garantizar su protecci\u00f3n contra reclamaciones relacionadas con antiguos empleados, incluso cuando no haya personal activo.\n\nEsta pol\u00edtica es especialmente importante para empresas que experimentan fluctuaciones en el empleo o que est\u00e1n en procesos de cambios estructurales. Al contar con una p\u00f3liza fantasma, demuestra su compromiso con el cumplimiento normativo y el bienestar de los empleados, brindando un apoyo crucial en caso de que surjan reclamaciones inesperadas.\"><span class=\"Y2IQFc\" lang=\"es\">Esta pol\u00edtica es especialmente importante para empresas que experimentan fluctuaciones en el empleo o que est\u00e1n en procesos de cambios estructurales. Al contar con una p\u00f3liza fantasma, demuestra su compromiso con el cumplimiento normativo y el bienestar de los empleados, brindando un apoyo crucial en caso de que surjan reclamaciones inesperadas.<\/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-ec3d6d7 e-con-full e-flex e-con e-child\" data-id=\"ec3d6d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-409f6b7 elementor-widget elementor-widget-image\" data-id=\"409f6b7\" 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=\"718\" height=\"420\" src=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/construction-workers.png\" class=\"attachment-full size-full wp-image-112271\" alt=\"construction-workers\" srcset=\"https:\/\/contractorsliability.com\/wp-content\/uploads\/construction-workers.png 718w, https:\/\/contractorsliability.com\/wp-content\/uploads\/construction-workers-300x175.png 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-b48151a e-flex e-con-boxed e-con e-parent\" data-id=\"b48151a\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-what-s-not-covered-by-a-workers-compensation-ghost-policy\" 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-c5702ca e-con-full e-flex e-con e-child\" data-id=\"c5702ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6a14227 e-con-full e-flex e-con e-child\" data-id=\"6a14227\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d1540e elementor-widget elementor-widget-heading\" data-id=\"3d1540e\" 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\">\n\n\u00bfQu\u00e9 <span class=\"dark\">no cubre una<\/span> p\u00f3liza fantasma de compensaci\u00f3n laboral?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4586f0d mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"4586f0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tSi bien una p\u00f3liza fantasma de compensaci\u00f3n laboral ofrece una cobertura esencial, es importante reconocer sus limitaciones. Estas son algunas situaciones en las que este tipo de p\u00f3liza no ofrece protecci\u00f3n:\n\n\n\n\n\n\n\n\n\n\n\n\n\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-56fe867 e-con-full icon-box-parent e-flex e-con e-child\" data-id=\"56fe867\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8cff4dd e-con-full e-flex e-con e-child\" data-id=\"8cff4dd\" 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-87291d6 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"87291d6\" 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-2b5adfa mb-0 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-heading\" data-id=\"2b5adfa\" 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\">Empleados actuales:\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3e43bf mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"a3e43bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLas reclamaciones derivadas de lesiones a empleados activos no est\u00e1n cubiertas por una p\u00f3liza fantasma y requieren una p\u00f3liza de compensaci\u00f3n laboral est\u00e1ndar.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9bd816c e-con-full e-flex e-con e-child\" data-id=\"9bd816c\" 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-88357b5 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"88357b5\" 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-b29ec38 mb-0 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-heading\" data-id=\"b29ec38\" 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\">Nuevas reclamaciones:\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a2faad mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9a2faad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLas lesiones sufridas por los nuevos empleados despu\u00e9s de que se establece la p\u00f3liza fantasma no est\u00e1n cubiertas hasta que se active una p\u00f3liza est\u00e1ndar.\n\n\n\n\n\n\n\n\n\n\n\n\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc60fbb e-con-full e-flex e-con e-child\" data-id=\"fc60fbb\" 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-eaf704e elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"eaf704e\" 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-7836c8e mb-0 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-heading\" data-id=\"7836c8e\" 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\">Responsabilidad profesional:\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51b2d21 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"51b2d21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tCualquier reclamaci\u00f3n relacionada con negligencia o errores profesionales queda excluida y necesita un tipo de cobertura diferente.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e4a4582 e-con-full e-flex e-con e-child\" data-id=\"e4a4582\" 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-052038d elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"052038d\" 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-ae15831 mb-0 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-heading\" data-id=\"ae15831\" 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\">Actos intencionales:\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8900c43 mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8900c43\" 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=\"tw-target-text\" class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Las lesiones resultantes de acciones deliberadas o mala conducta por parte de los empleados no est\u00e1n cubiertas por esta p\u00f3liza.\"><span class=\"Y2IQFc\" lang=\"es\">Las lesiones resultantes de acciones deliberadas o mala conducta por parte de los empleados no est\u00e1n cubiertas por esta p\u00f3liza.<\/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-67656ae e-con-full e-flex e-con e-child\" data-id=\"67656ae\" 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-5f86a0f elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-image\" data-id=\"5f86a0f\" 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-cba3da5 mb-0 elementor-widget-mobile__width-initial elementor-widget-mobile_extra__width-initial elementor-widget elementor-widget-heading\" data-id=\"cba3da5\" 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\">Incidentes no relacionados con el trabajo:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01ea79b mb-0 elementor-widget-tablet__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"01ea79b\" 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>No se incluyen las lesiones que ocurren fuera de los deberes o responsabilidades laborales.<\/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-3cae6b7 e-flex e-con-boxed e-con e-parent\" data-id=\"3cae6b7\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-how-does-a-workers-compensation-ghost-policy-work\" 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-86599a6 e-con-full e-flex e-con e-child\" data-id=\"86599a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d3be77 elementor-widget elementor-widget-heading\" data-id=\"8d3be77\" 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\">\n\u00bfC\u00f3mo funciona una p\u00f3liza fantasma de compensaci\u00f3n laboral?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4124e37 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"4124e37\" 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=\"tw-target-text\" class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Primero, analicemos c\u00f3mo se factura el Seguro de Compensaci\u00f3n Laboral. Este seguro se factura por categor\u00eda de empleado y tipo de trabajo, bas\u00e1ndose en un porcentaje de la n\u00f3mina. Por ejemplo, un pintor podr\u00eda tener una tasa de n\u00f3mina del 15 %.\n\nEsto significa que por cada $100 que le paga como empleado (el Seguro de Compensaci\u00f3n Laboral cubre a sus empleados), usted paga $15 de prima. Ahora bien, si ese mismo pintor al que le paga $100 no es un empleado, sino un subcontratista 1099, y le proporciona un seguro de compensaci\u00f3n laboral que incluye a su empresa como asegurado adicional, usted tendr\u00eda que pagar $0. No hay problema.\"><span class=\"Y2IQFc\" lang=\"es\">Primero, analicemos c\u00f3mo se factura el Seguro de Compensaci\u00f3n Laboral. Este seguro se factura por categor\u00eda de empleado y tipo de trabajo, bas\u00e1ndose en un porcentaje de la n\u00f3mina. Por ejemplo, un pintor podr\u00eda tener una tasa de n\u00f3mina del 15 %.<\/span><\/p><p dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Primero, analicemos c\u00f3mo se factura el Seguro de Compensaci\u00f3n Laboral. Este seguro se factura por categor\u00eda de empleado y tipo de trabajo, bas\u00e1ndose en un porcentaje de la n\u00f3mina. Por ejemplo, un pintor podr\u00eda tener una tasa de n\u00f3mina del 15 %.\n\nEsto significa que por cada $100 que le paga como empleado (el Seguro de Compensaci\u00f3n Laboral cubre a sus empleados), usted paga $15 de prima. Ahora bien, si ese mismo pintor al que le paga $100 no es un empleado, sino un subcontratista 1099, y le proporciona un seguro de compensaci\u00f3n laboral que incluye a su empresa como asegurado adicional, usted tendr\u00eda que pagar $0. No hay problema.\">\u00a0<\/p><p class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Primero, analicemos c\u00f3mo se factura el Seguro de Compensaci\u00f3n Laboral. Este seguro se factura por categor\u00eda de empleado y tipo de trabajo, bas\u00e1ndose en un porcentaje de la n\u00f3mina. Por ejemplo, un pintor podr\u00eda tener una tasa de n\u00f3mina del 15 %.\n\nEsto significa que por cada $100 que le paga como empleado (el Seguro de Compensaci\u00f3n Laboral cubre a sus empleados), usted paga $15 de prima. Ahora bien, si ese mismo pintor al que le paga $100 no es un empleado, sino un subcontratista 1099, y le proporciona un seguro de compensaci\u00f3n laboral que incluye a su empresa como asegurado adicional, usted tendr\u00eda que pagar $0. No hay problema.\"><span class=\"Y2IQFc\" lang=\"es\">Esto significa que por cada $100 que le paga como empleado (el Seguro de Compensaci\u00f3n Laboral cubre a sus empleados), usted paga $15 de prima. Ahora bien, si ese mismo pintor al que le paga $100 no es un empleado, sino un subcontratista 1099, y le proporciona un seguro de compensaci\u00f3n laboral que incluye a su empresa como asegurado adicional, usted tendr\u00eda que pagar $0. No hay problema.<\/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-9e501d2 e-con-full e-flex e-con e-child\" data-id=\"9e501d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc345b1 elementor-widget elementor-widget-image\" data-id=\"cc345b1\" 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\/Painter-Workers-Compensation-Example-1-1.png\" title=\"\" alt=\"Un pintor podr\u00eda tener una tasa de n\u00f3mina del 15%. Por cada 100 $ que le pague como empleado. Pero si es un subcontratista 1099 y le proporciona un certificado de seguro de trabajo, deber\u00e1 pagar 0.\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe04771 e-flex e-con-boxed e-con e-parent\" data-id=\"fe04771\" data-element_type=\"container\" data-e-type=\"container\" id=\"h-what-does-a-workers-compensation-ghost-policy-cost\" 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-ccd9579 elementor-widget elementor-widget-heading\" data-id=\"ccd9579\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"\u00bfCu\u00e1nto cuesta una p\u00f3liza fantasma de compensaci\u00f3n laboral?\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\n\n\u00bfCu\u00e1nto cuesta una p\u00f3liza fantasma de compensaci\u00f3n l <span class=\"dark\">aboral?<\/span><\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa31a62 e-con-full e-flex e-con e-child\" data-id=\"fa31a62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd00ee5 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"dd00ee5\" 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=\"tw-target-text\" class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: El costo de estas p\u00f3lizas suele rondar los $1200, pero depende del estado donde las necesite. Tendr\u00e1 que asumir este costo, que protege tanto a sus clientes como a usted. Es importante calcular correctamente el costo de la mano de obra y traspasarlo a su cliente. En nuestro caso, ser\u00eda recomendable a\u00f1adir un 20% a los costos de mano de obra para el seguro.\n\nEs f\u00e1cil sentirse abrumado al intentar negociar los t\u00e9rminos de una p\u00f3liza de seguro de compensaci\u00f3n laboral, pero ContractorsLiability.com est\u00e1 aqu\u00ed para ayudarle.\"><span class=\"Y2IQFc\" lang=\"es\">El costo de estas p\u00f3lizas suele rondar los $1200, pero depende del estado donde las necesite. Tendr\u00e1 que asumir este costo, que protege tanto a sus clientes como a usted. Es importante calcular correctamente el costo de la mano de obra y traspasarlo a su cliente. En nuestro caso, ser\u00eda recomendable a\u00f1adir un 20% a los costos de mano de obra para el seguro.<\/span><\/p><p class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: El costo de estas p\u00f3lizas suele rondar los $1200, pero depende del estado donde las necesite. Tendr\u00e1 que asumir este costo, que protege tanto a sus clientes como a usted. Es importante calcular correctamente el costo de la mano de obra y traspasarlo a su cliente. En nuestro caso, ser\u00eda recomendable a\u00f1adir un 20% a los costos de mano de obra para el seguro.\n\nEs f\u00e1cil sentirse abrumado al intentar negociar los t\u00e9rminos de una p\u00f3liza de seguro de compensaci\u00f3n laboral, pero ContractorsLiability.com est\u00e1 aqu\u00ed para ayudarle.\"><span class=\"Y2IQFc\" lang=\"es\">Es f\u00e1cil sentirse abrumado al intentar negociar los t\u00e9rminos de una p\u00f3liza de seguro de compensaci\u00f3n laboral, pero ContractorsLiability.com est\u00e1 aqu\u00ed para ayudarle.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6119c70 mb-16 elementor-widget elementor-widget-text-editor\" data-id=\"6119c70\" 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><strong>Eval\u00faa<\/strong> tu a\u00f1o a mitad de camino y revisa tus proyecciones en tu solicitud para asegurarte de que todav\u00eda est\u00e9n en l\u00ednea.<\/li><li><p id=\"tw-target-text\" class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Sea militante con sus certificados de seguro. Si alguien no tiene seguro, tendr\u00e1 que cobrarle. As\u00ed de simple. Si no lo tiene, rara vez le ofrecer\u00e1n dinero cuando lo auditen.\"><span class=\"Y2IQFc\" lang=\"es\"><strong>Sea militante<\/strong> con sus certificados de seguro. Si alguien no tiene seguro, tendr\u00e1 que cobrarle. As\u00ed de simple. Si no lo tiene, rara vez le ofrecer\u00e1n dinero cuando lo auditen.<\/span><\/p><\/li><li><p id=\"tw-target-text\" class=\"tw-data-text tw-text-large tw-ta\" dir=\"ltr\" tabindex=\"-1\" role=\"text\" data-placeholder=\"Translation\" data-ved=\"2ahUKEwix1qLI9YGTAxUw_7sIHSFQKNUQ3ewLegQIDBAW\" aria-label=\"Translated text: Planifique con anticipaci\u00f3n y reserve el dinero para la auditor\u00eda adicional. Si lo planifica, puede trasladar este costo a sus clientes.\"><span class=\"Y2IQFc\" lang=\"es\"><strong>Planifique con<\/strong> anticipaci\u00f3n y reserve el dinero para la auditor\u00eda adicional. Si lo planifica, puede trasladar este costo a sus clientes.<\/span><\/p><\/li><\/ul>\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-1ead264e e-con-full e-flex e-con e-parent\" data-id=\"1ead264e\" 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-46c60e19 elementor-widget elementor-widget-template\" data-id=\"46c60e19\" 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-cb42b0e e-flex e-con-boxed e-con e-parent\" data-id=\"cb42b0e\" 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-82f34e2 e-con-full e-flex e-con e-child\" data-id=\"82f34e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75cef49 elementor-widget elementor-widget-heading\" data-id=\"75cef49\" 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<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ceace09 e-con-full faqs e-flex e-con e-child\" data-id=\"ceace09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1545677 es-faq elementor-widget elementor-widget-n-accordion\" data-id=\"1545677\" 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-2230\" 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-2230\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> \u00bfEsta p\u00f3liza cubre lesiones a empleados actuales? <\/h4><\/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-2230\" class=\"elementor-element elementor-element-8dbdcd8 e-con-full faq-content e-flex e-con e-child\" data-id=\"8dbdcd8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2230\" class=\"elementor-element elementor-element-eab6515 e-flex e-con-boxed e-con e-child\" data-id=\"eab6515\" 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-5f08a3f elementor-widget elementor-widget-text-editor\" data-id=\"5f08a3f\" 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 id=\"KnM9nf\" class=\"PZPZlf\" data-attrid=\"tw-sourceArea\" data-entityname=\"Google Translate\"><div id=\"tw-smenu\" class=\"tw-menu\"><span style=\"font-size: 1rem; white-space-collapse: preserve;\">No, las lesiones actuales de los empleados requieren una cobertura de compensaci\u00f3n laboral activa, no una p\u00f3liza fantasma.<\/span><\/div><\/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-2231\" 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-2231\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> \u00bfEst\u00e1n cubiertas las nuevas reclamaciones por lesiones sufridas despu\u00e9s de que comienza la p\u00f3liza? <\/h4><\/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-2231\" class=\"elementor-element elementor-element-eb52849 e-con-full faq-content e-flex e-con e-child\" data-id=\"eb52849\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2231\" class=\"elementor-element elementor-element-679a89b e-flex e-con-boxed e-con e-child\" data-id=\"679a89b\" 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-1aca034 elementor-widget elementor-widget-text-editor\" data-id=\"1aca034\" 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>No, cualquier reclamo nuevo que resulte de lesiones sufridas por empleados reci\u00e9n contratados no est\u00e1 cubierto hasta que entre en vigencia una p\u00f3liza est\u00e1ndar.<\/p>\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-2232\" 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-2232\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> \u00bfProteger\u00e1 contra demandas por negligencia profesional? <\/h4><\/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-2232\" class=\"elementor-element elementor-element-7346c48 e-con-full faq-content e-flex e-con e-child\" data-id=\"7346c48\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2232\" class=\"elementor-element elementor-element-bbbee34 e-flex e-con-boxed e-con e-child\" data-id=\"bbbee34\" 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-dd0e8ac elementor-widget elementor-widget-text-editor\" data-id=\"dd0e8ac\" 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 id=\"KnM9nf\" class=\"PZPZlf\" data-attrid=\"tw-sourceArea\" data-entityname=\"Google Translate\"><div id=\"tw-smenu\" class=\"tw-menu\"><span style=\"font-size: 1rem; white-space-collapse: preserve;\">No, las reclamaciones relacionadas con errores profesionales est\u00e1n excluidas y requieren un seguro de responsabilidad profesional independiente.<\/span><\/div><\/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-2233\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2233\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> \u00bfQu\u00e9 pasa con las lesiones causadas por acciones intencionales? <\/h4><\/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-2233\" class=\"elementor-element elementor-element-4985cab e-con-full faq-content e-flex e-con e-child\" data-id=\"4985cab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2233\" class=\"elementor-element elementor-element-f120a71 e-flex e-con-boxed e-con e-child\" data-id=\"f120a71\" 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-dea6e78 elementor-widget elementor-widget-text-editor\" data-id=\"dea6e78\" 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>Por lo general, las lesiones que resultan de una mala conducta deliberada no est\u00e1n cubiertas por esta p\u00f3liza.<\/p>\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-2234\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2234\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> \u00bfSe incluyen las lesiones que ocurren durante el tiempo personal? <\/h4><\/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-2234\" class=\"elementor-element elementor-element-b99cb2e e-con-full faq-content e-flex e-con e-child\" data-id=\"b99cb2e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2234\" class=\"elementor-element elementor-element-a6c7d65 e-flex e-con-boxed e-con e-child\" data-id=\"a6c7d65\" 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-a14507d elementor-widget elementor-widget-text-editor\" data-id=\"a14507d\" 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>No, cualquier lesi\u00f3n que ocurra fuera de las tareas laborales no est\u00e1 cubierta por una p\u00f3liza fantasma.<\/p>\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-2235\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2235\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h4 class=\"e-n-accordion-item-title-text\"> \u00bfEsta pol\u00edtica se aplica a accidentes ocurridos antes de que la misma entrara en vigencia? <\/h4><\/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-2235\" class=\"elementor-element elementor-element-22a5e0b e-con-full faq-content e-flex e-con e-child\" data-id=\"22a5e0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2235\" class=\"elementor-element elementor-element-1c085d4 e-flex e-con-boxed e-con e-child\" data-id=\"1c085d4\" 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-603718c elementor-widget elementor-widget-text-editor\" data-id=\"603718c\" 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\u00ed, cubre reclamos por lesiones sufridas mientras el empleado estaba en su empresa antes de que se estableciera la p\u00f3liza fantasma.<\/p>\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-2cfc4b4 e-con-full full-width e-flex e-con e-parent\" data-id=\"2cfc4b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f7fa614 elementor-widget elementor-widget-template\" data-id=\"3f7fa614\" 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 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 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 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-1dcd72b7 e-con-full full-width e-flex e-con e-parent\" data-id=\"1dcd72b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e3ec1a2 elementor-widget elementor-widget-template\" data-id=\"7e3ec1a2\" 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-d0701ff e-con-full full-width e-flex e-con e-parent\" data-id=\"d0701ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca33d6b elementor-widget elementor-widget-template\" data-id=\"ca33d6b\" 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\" data-id=\"4b3d420b\" 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-7c02212a e-con-full e-flex e-con e-child\" data-id=\"7c02212a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6b44ed86 e-con-full e-flex e-con e-child\" data-id=\"6b44ed86\" 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-ee2a22c elementor-widget elementor-widget-heading\" data-id=\"ee2a22c\" 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\n<span class=\"red\">COTIZACI\u00d3N GRATUITA<\/span> SEGURO DE COMPENSACI\u00d3N EN MINUTOS\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element 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protecci\u00f3n clave Aseg\u00farese de que su empresa est\u00e9 protegida con la cobertura fantasma para lesiones laborales, un tipo de seguro esencial que ayuda a gestionar incidentes imprevistos en el lugar de trabajo. Ya sea que opere una peque\u00f1a empresa o una gran corporaci\u00f3n, esta p\u00f3liza [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":68507,"parent":69822,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-71220","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>P\u00f3liza Fantasma De Compensaci\u00f3n al Trabajador<\/title>\n<meta name=\"description\" content=\"Conozca la P\u00f3liza fantasma de compensaci\u00f3n al trabajador, con Contractors Liability obtenga una cotizaci\u00f3n gratis ahora mismo.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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