{"id":5264,"date":"2023-05-09T21:41:16","date_gmt":"2023-05-09T21:41:16","guid":{"rendered":"https:\/\/www.costulessdirect.com\/es\/?page_id=5264"},"modified":"2026-06-04T21:13:15","modified_gmt":"2026-06-04T21:13:15","slug":"terminos-y-definiciones","status":"publish","type":"page","link":"https:\/\/www.costulessdirect.com\/es\/seguros-de-autos\/terminos-y-definiciones\/","title":{"rendered":"Lista de los t\u00e9rminos y definiciones del seguro de auto"},"content":{"rendered":"<div class=\"c-section c-section--bg-blue-light\" id=\"hero\">\n    <div class=\"o-wrapper o-wrapper--small\">\n        <h1 class=\"c-section__title c-section__title--blue c-section__title--big\">Lista pr\u00e1ctica de t\u00e9rminos y definiciones de seguros<\/h1>\n        <div class=\"c-section__content\">\n            <div class=\"o-component s-cms-content s-cms-content--center s-cms-content--big\">\n                <p>A continuaci\u00f3n, encontrar\u00e1s un desglose de t\u00e9rminos y definiciones de seguros que te ayudar\u00e1 a elegir la mejor cobertura, as\u00ed como a entender tu p\u00f3liza de seguro de auto u otras clases de aseguranza. \u00a1Cons\u00faltalo y s\u00e9 un consumidor de seguros inteligente!<\/p>\n            <\/div>\n            <div class=\"o-component c-searchbar\">\n                <div class=\"c-searchbar__form\">\n                    <div class=\"c-searchbar__item\">\n                        <label class=\"c-searchbar__label u-hidden-visually\" id=\"searchGlossaryLabel\" for=\"searchGlossary\"><\/label>\n                        <div id=\"searchGlossary\"><\/div>\n                        <!--\n                        <span class=\"c-searchbar__submit\" type=\"submit\" aria-label=\"Search on site\">\n                            <span class=\"o-icon\"><svg focusable=\"false\" role=\"img\">\n                                    <title>Search<\/title><use xlink:href=\"https:\/\/www.costulessdirect.com\/es\/wp-content\/themes\/culv2\/assets\/images\/icons\/icons.svg#icon-search\"><\/use>\n                                <\/svg><\/span>\n                        <\/span>\n                        -->\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"c-section  \" >\n    <div class=\"o-wrapper o-wrapper--small\">\n\n<div class=\"c-section\">\n    <div class=\"o-wrapper o-wrapper--small\">\n        <div class=\"c-section__content\">\n            <div class=\"o-component c-glossary\">\n                                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">A<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Abandono%20(Abandonment)\" class=\"c-glossary__title\">Abandono (Abandonment)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">En el mundo de los seguros de propiedades, el abandono est\u00e1 prohibido. \u00bfQu\u00e9 significa esto? Quiere decir que no puedes dejar tu propiedad da\u00f1ada a la compa\u00f1\u00eda de seguros para que ellos se encarguen de repararla o desecharla. T\u00fa eres la persona responsable de tomar acci\u00f3n y buscar soluciones.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Acuerdo%20de%20exclusi%C3%B3n%20(Hold%20Harmless%20Agreement)\" class=\"c-glossary__title\">Acuerdo de exclusi\u00f3n (Hold Harmless Agreement)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Acuerdo en el cual una parte acepta asumir ciertas responsabilidades legales de la otra parte.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Ajustador%20independiente%20(Independent%20Adjuster)\" class=\"c-glossary__title\">Ajustador independiente (Independent Adjuster)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Experto independiente que ayuda a determinar la validez de los reclamos, evaluar los da\u00f1os y determinar la cantidad que debe ser pagada por la compa\u00f1\u00eda de seguros, en caso de que \u00e9stos sean aprobados.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Arrendatario%20(Lessee)\" class=\"c-glossary__title\">Arrendatario (Lessee)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Persona a quien se concede un contrato de arrendamiento, que alquila o toma en renta una propiedad o un bien.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Arrendador%20(Lessor)\" class=\"c-glossary__title\">Arrendador (Lessor)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Es la persona que alquila o cede en arrendamiento una propiedad o bien a otro (arrendatario).<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Arrendamiento%20de%20empleados%20(Employee%20Leasing)\" class=\"c-glossary__title\">Arrendamiento de empleados (Employee Leasing)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">M\u00e9todo de contrataci\u00f3n en el cual una compa\u00f1\u00eda de servicios proporciona a un cliente todos o la mayor\u00eda de sus empleados. De esta manera, el cliente puede utilizar y supervisar a los empleados sin tener que contratarlos directamente.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Aseguradora%20(Carrier)\" class=\"c-glossary__title\">Aseguradora (Carrier)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Compa\u00f1\u00eda de seguros que provee la cobertura.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Auditor%C3%ADa%20(Audit)\" class=\"c-glossary__title\">Auditor\u00eda (Audit)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Revisi\u00f3n contable de una organizaci\u00f3n para saber cu\u00e1nto riesgo tiene y cu\u00e1nto debe pagar de seguro. Esta revisi\u00f3n usualmente se enfoca en los registros de n\u00f3mina o recibos de pago.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Autom%C3%B3vil%20(Automobile)\" class=\"c-glossary__title\">Autom\u00f3vil (Automobile)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Veh\u00edculo que se utiliza para viajar en las carreteras p\u00fablicas. Puede ser un autom\u00f3vil convencional, un remolque o un semirremolque. Sin embargo, no se entran dentro de esta categor\u00eda la maquinaria m\u00f3vil.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Autom%C3%B3vil%20de%20alquiler%20(Hired%20Automobile)\" class=\"c-glossary__title\">Autom\u00f3vil de alquiler (Hired Automobile)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Veh\u00edculo que se presta temporalmente a otra persona a cambio de dinero u otra forma de compensaci\u00f3n. Los autos alquilados incluyen tambi\u00e9n los autos prestados, excepto los que son prestados por empleados o socios. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Asegurado%20adicional%20(Additional%20Insured)\" class=\"c-glossary__title\">Asegurado adicional (Additional Insured)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Persona u organizaci\u00f3n a la que se le otorga el estado de asegurado a trav\u00e9s de un endoso.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Aseguradora%20(Insurer)\" class=\"c-glossary__title\">Aseguradora (Insurer)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Compa\u00f1\u00eda que ofrece coberturas y otros servicios relacionados con los seguros.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Aseguradora%20no%20autorizada%20(Nonadmitted%20Insurer)\" class=\"c-glossary__title\">Aseguradora no autorizada (Nonadmitted Insurer)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Aseguradora sin licencia para operar en un estado espec\u00edfico, que puede ofrecer cobertura a trav\u00e9s de intermediarios autorizados.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">B<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Base%20de%20exposici%C3%B3n%20(Exposure%20Base)\" class=\"c-glossary__title\">Base de exposici\u00f3n (Exposure Base)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Base utilizada para calcular las tasas que se aplican para determinar la prima del seguro. Algunas exposiciones pueden medirse mediante la n\u00f3mina, los recibos, las ventas, el espacio cuadrado, el \u00e1rea, las horas por manos de obra o por unidad.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Bienes%20inmuebles%20(Real%20Property)\" class=\"c-glossary__title\">Bienes inmuebles (Real Property)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Incluye bienes ra\u00edces, edificios y vegetaci\u00f3n presentes en un terreno. <\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">C<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Caducidad%20(Lapse)\" class=\"c-glossary__title\">Caducidad (Lapse)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Terminaci\u00f3n de una p\u00f3liza debido al incumplimiento en el pago de la prima.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Calificaci%C3%B3n%20de%20A.M.%20Best%20(Best%E2%80%99s%20Rating)\" class=\"c-glossary__title\">Calificaci\u00f3n de A.M. Best (Best\u2019s Rating)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Sistema de calificaci\u00f3n realizado por la empresa A.M. Best que eval\u00faa la condici\u00f3n financiera de las compa\u00f1\u00edas de seguros.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cancelaci%C3%B3n%20(Cancellation)\" class=\"c-glossary__title\">Cancelaci\u00f3n (Cancellation)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Terminaci\u00f3n de una p\u00f3liza de seguro, generalmente antes de su vencimiento.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cancelaci%C3%B3n%20a%20corto%20plazo%20(Short-Term%20Cancellation)%20\" class=\"c-glossary__title\">Cancelaci\u00f3n a corto plazo (Short-Term Cancellation) <\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Terminaci\u00f3n anticipada de una p\u00f3liza de seguro antes de su fecha de vencimiento. En este caso, se permite una penalizaci\u00f3n que implica un reembolso de prima proporcional menor al total.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cancelaci%C3%B3n%20proporcional%20o%20a%20prorrata%20(Pro%20Rata%20Cancellation)\" class=\"c-glossary__title\">Cancelaci\u00f3n proporcional o a prorrata (Pro Rata Cancellation)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cuando se decide terminar una p\u00f3liza de seguro antes de su vencimiento y se devuelve al asegurado una parte justa de la prima que pag\u00f3. Esto significa que no hay penalizaci\u00f3n por cancelar la p\u00f3liza anticipadamente y se recibe un reembolso por el tiempo restante de cobertura no utilizado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cancelaci%C3%B3n%20total%20(Flat%20Cancellation)\" class=\"c-glossary__title\">Cancelaci\u00f3n total (Flat Cancellation)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Ocurre cuando se cancela la cobertura a partir de la fecha en la que esta entr\u00f3 en vigor, y en este caso se tendr\u00e1 que devolver la prima pagada en su totalidad.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cargo%20de%20p%C3%B3liza%20(Policy%20Fee)\" class=\"c-glossary__title\">Cargo de p\u00f3liza (Policy Fee)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Importe \u00fanico que se cobra al titular de la p\u00f3liza por la administraci\u00f3n y emisi\u00f3n de la misma. A diferencia de la prima de seguro, este cargo no depende del tama\u00f1o de la prima o del monto de la cobertura.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cat%C3%A1strofe%20(Catastrophe)\" class=\"c-glossary__title\">Cat\u00e1strofe (Catastrophe)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">T\u00e9rmino que se utiliza para referirse a una calamidad o desastre severo que produce importantes p\u00e9rdidas financieras.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Certificado%20de%20seguro%20(Certificate%20of%20Insurance)\" class=\"c-glossary__title\">Certificado de seguro (Certificate of Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Documento que proporciona evidencia de que se ha comprado una aseguranza.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Clase%20(Class)\" class=\"c-glossary__title\">Clase (Class)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Se refiere a un grupo de negocios que comparten riesgos similares y se agrupan para fines de c\u00e1lculo de tarifas.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Clasificaci%C3%B3n%20(Classification)\" class=\"c-glossary__title\">Clasificaci\u00f3n (Classification)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Organizaci\u00f3n o establecimiento de grupos o categor\u00edas de negocios con el fin de calcular tarifas.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Clasificaci%C3%B3n%20de%20puestos%20(Governing%20Classification)\" class=\"c-glossary__title\">Clasificaci\u00f3n de puestos (Governing Classification)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">En el \u00e1mbito del seguro de compensaci\u00f3n laboral, la clasificaci\u00f3n de puestos es un t\u00e9rmino que se utiliza para describir de manera m\u00e1s precisa la exposici\u00f3n de compensaci\u00f3n laboral de la empresa asegurada. En otras palabras, se utiliza como un criterio para identificar el nivel de riesgo y el tipo de trabajo que realiza cada uno de los empleados de la empresa.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cl%C3%A1usula%20de%20indemnizaci%C3%B3n%20por%20p%C3%A9rdidas%20(Loss%20Payable%20Clause)\" class=\"c-glossary__title\">Cl\u00e1usula de indemnizaci\u00f3n por p\u00e9rdidas (Loss Payable Clause)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cl\u00e1usula que autoriza la indemnizaci\u00f3n por p\u00e9rdida a una determinada persona o entidad. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cl%C3%A1usula%20de%20coaseguro%20(Coinsurance%20Provision)\" class=\"c-glossary__title\">Cl\u00e1usula de coaseguro (Coinsurance Provision)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">En seguros de propiedad, significa que el asegurado debe tener una p\u00f3liza que cubra al menos un porcentaje establecido del valor de la propiedad. Esto garantiza que recibir\u00e1 el pago completo en caso de p\u00e9rdida.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cl%C3%A1usula%20de%20liberalizaci%C3%B3n%20(Liberalization%20Clause)\" class=\"c-glossary__title\">Cl\u00e1usula de liberalizaci\u00f3n (Liberalization Clause)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Permite que las aseguradoras puedan aplicar mejoras a una cobertura de forma autom\u00e1tica sobre las p\u00f3lizas que se encuentran dentro de los 45 d\u00edas de haber iniciado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cl%C3%A1usula%20de%20protecci%C3%B3n%20contra%20la%20inflaci%C3%B3n%20(Inflation%20Guard%20Provision)\" class=\"c-glossary__title\">Cl\u00e1usula de protecci\u00f3n contra la inflaci\u00f3n (Inflation Guard Provision)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Disposici\u00f3n que aumenta el l\u00edmite del seguro en un porcentaje espec\u00edfico durante un periodo de tiempo determinado, con el objetivo de compensar los costos de la inflaci\u00f3n.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cl%C3%A1usula%20hipotecaria%20(Mortgage%20Clause)\" class=\"c-glossary__title\">Cl\u00e1usula hipotecaria (Mortgage Clause)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Brinda protecci\u00f3n al titular de la hipoteca establecido en la p\u00f3liza. Se\u00f1ala que las p\u00e9rdidas en la propiedad hipotecada deben ser pagadas tanto al asegurado como al titular de la hipoteca.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20contra%20conductor%20con%20seguro%20insuficiente%20(Underinsured%20Motorist%20Coverage)\" class=\"c-glossary__title\">Cobertura contra conductor con seguro insuficiente (Underinsured Motorist Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">P\u00f3liza que protege contra lesiones corporales y, en algunos estados, da\u00f1os a la propiedad, en caso de p\u00e9rdidas sufridas por un asegurado cuando un accidente es causado por un conductor que no tiene l\u00edmites de seguro suficientes.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20contra%20conductor%20sin%20seguro%20(Uninsured%20Motorist%20Coverage)\" class=\"c-glossary__title\">Cobertura contra conductor sin seguro (Uninsured Motorist Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Protecci\u00f3n por lesiones corporales y, en ciertos estados, por da\u00f1os a la propiedad, cuando un accidente es provocado por un automovilista que no tiene seguro.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20contra%20falsificaci%C3%B3n%20o%20alteraci%C3%B3n%20(Forgery%20or%20Alteration%20Coverage)\" class=\"c-glossary__title\">Cobertura contra falsificaci\u00f3n o alteraci\u00f3n (Forgery or Alteration Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura que protege contra eventos donde se producen falsificaciones o alteraciones. Estos eventos ocurren de manera imprevisible, sin que necesariamente sean repentinos.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20contra%20inundaciones%20(Flood%20Coverage)\" class=\"c-glossary__title\">Cobertura contra inundaciones (Flood Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">P\u00f3liza que cubre los da\u00f1os a la propiedad causados por inundaciones.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20de%20compensaci%C3%B3n%20de%20trabajadores%20(Employers%20Liability%20Coverage)\" class=\"c-glossary__title\">Cobertura de compensaci\u00f3n de trabajadores (Employers Liability Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Segunda parte del seguro de compensaci\u00f3n de trabajadores que paga en nombre del empleador las sumas que tenga que desembolsar si un empleado sufre una lesi\u00f3n o enfermedad en el trabajo. Esta cobertura protege al empleador contra posibles demandas legales por lesiones de sus trabajadores.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20de%20cuentas%20por%20cobrar%20(Accounts%20Receivable%20Coverage)\" class=\"c-glossary__title\">Cobertura de cuentas por cobrar (Accounts Receivable Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura que se encarga de proteger al asegurado contra la p\u00e9rdida de dinero que le adeudan sus clientes y que no se puede cobrar debido a los da\u00f1os causados por un riesgo asegurado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20de%20exceso%20de%20responsabilidad%20civil%20(Excess%20Liability%20Policy)\" class=\"c-glossary__title\">Cobertura de exceso de responsabilidad civil (Excess Liability Policy)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Brinda l\u00edmites de cobertura adicionales por encima de una p\u00f3liza de responsabilidad civil b\u00e1sica.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20de%20gastos%20extraordinarios%20(Extra%20Expense%20Coverage)\" class=\"c-glossary__title\">Cobertura de gastos extraordinarios (Extra Expense Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura que reembolsa los gastos adicionales en los que se incurre para seguir operando despu\u00e9s de sufrir da\u00f1os directos.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20de%20gastos%20de%20agilizaci%C3%B3n%20(Expediting%20Expense%20Coverage)\" class=\"c-glossary__title\">Cobertura de gastos de agilizaci\u00f3n (Expediting Expense Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura que ofrece el reembolso de gastos por reparaciones temporales y costos incurridos para acelerar la reparaci\u00f3n o reemplazo de una propiedad o equipo cubierto.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20del%20depositario%20(Bailee%20Coverage)\" class=\"c-glossary__title\">Cobertura del depositario (Bailee Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Protecci\u00f3n que cubre los bienes que se dejan bajo el cuidado del asegurado para su almacenamiento, reparaci\u00f3n o servicio.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20de%20riesgos%20espec%C3%ADficos%20(Named%20Perils%20Coverage)\" class=\"c-glossary__title\">Cobertura de riesgos espec\u00edficos (Named Perils Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">T\u00e9rmino utilizado en seguros de propiedad para referirse a las causas exactas de p\u00e9rdida que est\u00e1n cubiertas por la p\u00f3liza de forma espec\u00edfica.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20de%20la%20ordenanza%20de%20construcci%C3%B3n%20(Building%20Ordinance%20Coverage)\" class=\"c-glossary__title\">Cobertura de la ordenanza de construcci\u00f3n (Building Ordinance Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Brinda protecci\u00f3n contra p\u00e9rdidas causadas por la aplicaci\u00f3n de ordenanzas o leyes que regulan la construcci\u00f3n y reparaci\u00f3n de edificios da\u00f1ados.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20de%20servicio%20del%20Departamento%20de%20Bomberos%20(Fire%20Department%20Service%20Charge%20Coverage)\" class=\"c-glossary__title\">Cobertura de servicio del Departamento de Bomberos (Fire Department Service Charge Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Esta cobertura, incluida en una p\u00f3liza de seguro de propiedad, protege al asegurado de los cargos que pueda incurrir por los servicios prestados por el departamento de bomberos en un incendio.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20extraterritorial%20(Extraterritorial%20Coverage)\" class=\"c-glossary__title\">Cobertura extraterritorial (Extraterritorial Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Es la cobertura que extiende la ley de compensaci\u00f3n laboral para brindar beneficios a trabajadores contratados en un estado, pero que resultan lesionados mientras trabajan en otra regi\u00f3n. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20por%20da%C3%B1os%20contra%20la%20propiedad%20intelectual%20y%20difamaci%C3%B3n%20(Advertising%20Injury)\" class=\"c-glossary__title\">Cobertura por da\u00f1os contra la propiedad intelectual y difamaci\u00f3n (Advertising Injury)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de responsabilidad civil general que protege al asegurado contra reclamaciones relacionadas con difamaci\u00f3n, calumnias, invasi\u00f3n de la privacidad, violaci\u00f3n de derechos de autor y uso indebido de su publicidad de bienes o servicios.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20para%20viajar%20a%20M%C3%A9xico%20(Mexico%20Coverage)\" class=\"c-glossary__title\">Cobertura para viajar a M\u00e9xico (Mexico Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura que a veces se brinda bajo p\u00f3lizas de autom\u00f3viles para la operaci\u00f3n de un veh\u00edculo asegurado en M\u00e9xico, generalmente limitada a una distancia determinada en millas desde la frontera con Estados Unidos.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cobertura%20total%20o%20seguro%20full%20cover%20(Full%20Coverage)\" class=\"c-glossary__title\">Cobertura total o seguro full cover (Full Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Una forma de seguro que cubre todas las p\u00e9rdidas causadas por los riesgos asegurados sin requerir el pago de un deducible o depreciaci\u00f3n. En resumen, esto significa que el asegurado no tiene que pagar una cantidad adicional de su bolsillo si ocurre una p\u00e9rdida y su cobertura es total.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Colapso%20o%20derrumbe%20(Collapse)\" class=\"c-glossary__title\">Colapso o derrumbe (Collapse)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Ca\u00edda de un edificio o propiedad personal, debido a causas espec\u00edficas, como el peso de la nieve, el hielo o la lluvia. Sin embargo, no se cubre cuando el derrumbe es causado por errores de dise\u00f1o o de construcci\u00f3n despu\u00e9s de que se complet\u00f3 la edificaci\u00f3n.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Condiciones%20(Conditions)\" class=\"c-glossary__title\">Condiciones (Conditions)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Aspectos acordados en una p\u00f3liza que establecen los derechos y requisitos del asegurado y la aseguradora.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Contaminante%20(Pollutant)\" class=\"c-glossary__title\">Contaminante (Pollutant)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Sustancia irritante o contaminante en forma s\u00f3lida, l\u00edquida o gaseosa. Entre ellos se incluyen el humo, el vapor, el holl\u00edn, gases, productos qu\u00edmicos, \u00e1cidos y desperdicios.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Contratista%20independiente%20(Independent%20Contractor)\" class=\"c-glossary__title\">Contratista independiente (Independent Contractor)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Persona o compa\u00f1\u00eda que ha acordado, por escrito, realizar un trabajo o funci\u00f3n en nombre de otra parte.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Contrato%20(Contract)\" class=\"c-glossary__title\">Contrato (Contract)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Acuerdo entre dos o m\u00e1s personas. Para que sea v\u00e1lido, las personas deben estar de acuerdo en los t\u00e9rminos, ser aptas para hacerlo y el acuerdo debe tener un beneficio claro para cada parte involucrada.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Contrato%20provisional%20de%20p%C3%B3liza%20(Binder)\" class=\"c-glossary__title\">Contrato provisional de p\u00f3liza (Binder)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Acuerdo legal emitido por las aseguradoras que da una evidencia temporal de aseguranza, hasta que se emita la p\u00f3liza.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Control%20de%20p%C3%A9rdidas%20(Loss%20Control)\" class=\"c-glossary__title\">Control de p\u00e9rdidas (Loss Control)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">T\u00e9cnica implementada para reducir la probabilidad de que ocurra una p\u00e9rdida o disminuir la gravedad de aquellas que se produzcan.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Compensaci%C3%B3n%20para%20trabajadores%20(Workers%E2%80%99%20Compensation)\" class=\"c-glossary__title\">Compensaci\u00f3n para trabajadores (Workers\u2019 Compensation)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Protecci\u00f3n que provee beneficios a los empleados por lesiones o enfermedades contra\u00eddas durante el trabajo. La mayor\u00eda de los estados tienen leyes que requieren dicha protecci\u00f3n para los trabajadores y establecen la duraci\u00f3n y cantidad de beneficios proporcionados.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Cortafuegos%20inform%C3%A1tico%20(Firewall)\" class=\"c-glossary__title\">Cortafuegos inform\u00e1tico (Firewall)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Sistema que protege la red privada de una compa\u00f1\u00eda de los usuarios externos de Internet.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Culpa%20lata%20o%20grave%20(Gross%20Negligence)\" class=\"c-glossary__title\">Culpa lata o grave (Gross Negligence)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Conducta deliberada y temeraria en la que una persona act\u00faa de manera intencionada y con total indiferencia hacia los posibles riesgos o da\u00f1os que pueda causar.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">D<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Da%C3%B1o%20a%20la%20propiedad%20(Property%20Damage)\" class=\"c-glossary__title\">Da\u00f1o a la propiedad (Property Damage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Dentro de una p\u00f3liza de responsabilidad civil general, el da\u00f1o a la propiedad se refiere al da\u00f1o f\u00edsico a una propiedad que resulta en la p\u00e9rdida de su uso.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Da%C3%B1o%20directo%20(Direct%20Damage)\" class=\"c-glossary__title\">Da\u00f1o directo (Direct Damage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Afectaci\u00f3n f\u00edsica que se produce en una propiedad sin cambios ni interrupciones de tiempo o espacio. Es decir, sucede cuando un evento causa directamente un da\u00f1o material a una propiedad sin circunstancias extra\u00f1as. Un ejemplo de ello ser\u00eda un edificio que sufra da\u00f1os por causa de un incendio; en este caso se presenta un da\u00f1o directo ya que las llamas causan un perjuicio f\u00edsico inmediato.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Da%C3%B1o%20indirecto%20(Consequential%20Loss)\" class=\"c-glossary__title\">Da\u00f1o indirecto (Consequential Loss)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Da\u00f1o consecuente. Por ejemplo, la disminuci\u00f3n en el valor de una propiedad como resultado de un da\u00f1o directo ocurrido.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Declaraci%C3%B3n%20falsa%20(Misrepresentation)\" class=\"c-glossary__title\">Declaraci\u00f3n falsa (Misrepresentation)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Informaci\u00f3n falsa o enga\u00f1osa, ya sea directa o indirectamente, que, si es intencional y relevante, puede permitir a la aseguradora anular el contrato de seguro.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Deducible%20(Deductible)\" class=\"c-glossary__title\">Deducible (Deductible)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cantidad de dinero que el asegurado debe pagar de su propio bolsillo antes de que la compa\u00f1\u00eda de seguros comience a cubrir el resto de los gastos.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Depreciaci%C3%B3n%20(Depreciation)\" class=\"c-glossary__title\">Depreciaci\u00f3n (Depreciation)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Disminuci\u00f3n del valor de una propiedad con el paso del tiempo. Esto suele ocurrir por el envejecimiento, desgaste o porque se vuelve obsoleta en t\u00e9rminos econ\u00f3micos. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Devoluci%C3%B3n%20de%20prima%20(Return%20Premium)\" class=\"c-glossary__title\">Devoluci\u00f3n de prima (Return Premium)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Pago que le corresponde al asegurado en caso de que el costo real de una p\u00f3liza sea menor de lo que el asegurado pag\u00f3 anteriormente.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Disposici%C3%B3n%20sobre%20propiedad%20vac%C3%ADa%20(Vacancy%20Provision)%20\" class=\"c-glossary__title\">Disposici\u00f3n sobre propiedad vac\u00eda (Vacancy Provision) <\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cl\u00e1usula que se encuentra en las p\u00f3lizas de seguros de propiedad comercial y limita la cobertura para edificios que han estado desocupados durante un per\u00edodo de tiempo espec\u00edfico, generalmente 60 d\u00edas.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">E<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Empresa%20conjunta%20(Joint%20Venture)\" class=\"c-glossary__title\">Empresa conjunta (Joint Venture)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Relaci\u00f3n comercial en la que dos o m\u00e1s personas unen sus esfuerzos o propiedad para llevar a cabo un emprendimiento y compartir los beneficios obtenidos.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Endoso%20(Endorsement)\" class=\"c-glossary__title\">Endoso (Endorsement)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Documento adjunto a una p\u00f3liza de seguro que modifica sus disposiciones originales.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Endoso%20de%20cobertura%20de%20costo%20de%20reemplazo%20(Replacement%20Cost%20Coverage%20Endorsement)\" class=\"c-glossary__title\">Endoso de cobertura de costo de reemplazo (Replacement Cost Coverage Endorsement)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Protecci\u00f3n de seguro para propiedades, que establece que, si ocurre una p\u00e9rdida, el monto pagado por la aseguradora corresponder\u00e1 al costo de reemplazo del art\u00edculo da\u00f1ado sin tomar en cuenta la depreciaci\u00f3n. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Endoso%20de%20marcas%20y%20etiquetas%20(Brands%20and%20Labels%20Endorsement)\" class=\"c-glossary__title\">Endoso de marcas y etiquetas (Brands and Labels Endorsement)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de seguro de propiedad que permite al asegurado quitar las etiquetas de productos da\u00f1ados o marcar los art\u00edculos como \u201csalvamento\u201d, siempre y cuando los bienes no resulten da\u00f1ados en el proceso.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Enfermedad%20laboral%20(Occupational%20Disease)\" class=\"c-glossary__title\">Enfermedad laboral (Occupational Disease)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Condici\u00f3n o trastorno que ocurre como resultado de la exposici\u00f3n a factores ambientales relacionados con el trabajo. Esto incluye tanto enfermedades agudas como cr\u00f3nicas que pueden ser causadas por inhalar, absorber, ingerir o tener contacto directo con sustancias o elementos presentes en el entorno laboral.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Esperado%20o%20intencionado%20(Expected%2C%20Intended)\" class=\"c-glossary__title\">Esperado o intencionado (Expected, Intended)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Una exclusi\u00f3n para lesiones o da\u00f1os que se esperan o se tienen la intenci\u00f3n de causar.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Evento%20fortuito%20(Fortuitous%20Event)\" class=\"c-glossary__title\">Evento fortuito (Fortuitous Event)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Esta es una cl\u00e1usula que se encuentra en una p\u00f3liza de seguro paraguas y que hace que la cobertura se rija por las mismas condiciones que la p\u00f3liza que cubre el evento principal. Es decir, la p\u00f3liza paraguas respalda al seguro principal sin alterar lo establecido en la p\u00f3liza subyacente.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Exclusi%C3%B3n%20(Exclusion)\" class=\"c-glossary__title\">Exclusi\u00f3n (Exclusion)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Circunstancia o riesgo que no est\u00e1 cubierto por una p\u00f3liza.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Exclusi%C3%B3n%20de%20inundaci%C3%B3n%20(Flood%20Exclusion)\" class=\"c-glossary__title\">Exclusi\u00f3n de inundaci\u00f3n (Flood Exclusion)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Una cl\u00e1usula presente en la mayor\u00eda de las p\u00f3lizas de seguros de propiedad que elimina la cobertura para da\u00f1os causados por inundaciones y posiblemente tambi\u00e9n para otros tipos de da\u00f1os por agua, como filtraciones y alcantarillado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Exclusi%C3%B3n%20de%20lesiones%20o%20da%C3%B1os%20el%C3%A9ctricos%20(Electrical%20Damage%2C%20Injury%20Exclusion)\" class=\"c-glossary__title\">Exclusi\u00f3n de lesiones o da\u00f1os el\u00e9ctricos (Electrical Damage, Injury Exclusion)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cl\u00e1usula presente en las p\u00f3lizas de seguros de propiedad que elimina la cobertura para los da\u00f1os causados a los electrodom\u00e9sticos por corrientes el\u00e9ctricas, excepto en casos de incendio o explosi\u00f3n.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Exclusi%C3%B3n%20de%20terremoto%20(Earth%20Movement%2C%20Earthquake%20Exclusion)\" class=\"c-glossary__title\">Exclusi\u00f3n de terremoto (Earth Movement, Earthquake Exclusion)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cl\u00e1usula presente en la mayor\u00eda de las p\u00f3lizas de seguros de propiedad, la cual excluye la cobertura para da\u00f1os causados por movimientos de tierra o terremotos, a menos que se produzca un incendio como resultado directo de los mismos. <\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">F<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Fecha%20efectiva%20o%20de%20comienzo%20de%20la%20p%C3%B3liza%20(Effective%20date)\" class=\"c-glossary__title\">Fecha efectiva o de comienzo de la p\u00f3liza (Effective date)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Es el d\u00eda en el que la cobertura y los t\u00e9rminos de la p\u00f3liza empiezan a tener efecto.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Fondos%20de%20compensaci%C3%B3n%20del%20estado%20(Competitive%20State%20Funds)\" class=\"c-glossary__title\">Fondos de compensaci\u00f3n del estado (Competitive State Funds)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Plataformas estatales que ofrecen seguros de compensaci\u00f3n laboral exclusivamente para un estado determinado. Son una opci\u00f3n confiable y conveniente para proteger a los trabajadores y las empresas.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Fondos%20estatales%20monopol%C3%ADsticos%20(Monopolistic%20State%20Funds)\" class=\"c-glossary__title\">Fondos estatales monopol\u00edsticos (Monopolistic State Funds)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Son estados o jurisdicciones donde los empleadores deben obtener seguros de compensaci\u00f3n laborales a trav\u00e9s de un fondo estatal, o calificar como autoasegurados, lo cual est\u00e1 permitido en: Dakota del Norte, Ohio, Washington, West Virginia y Wyoming, adem\u00e1s de Puerto Rico y las Islas V\u00edrgenes de los Estados Unidos.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Formulario%20b%C3%A1sico%20de%20causa%20de%20p%C3%A9rdida%20(Basic%20Cause%20of%20Loss%20Form)\" class=\"c-glossary__title\">Formulario b\u00e1sico de causa de p\u00e9rdida (Basic Cause of Loss Form)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de propiedad que incluye los riesgos expl\u00edcitos de: fuego, rayos, explosi\u00f3n, humo, tormentas, granizo, disturbios, conmoci\u00f3n civil, aviones, veh\u00edculos, vandalismo, fugas de agua de rociadores, hundimiento del suelo y actividad volc\u00e1nica.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Formularios%20de%20causas%20de%20p%C3%A9rdida%20(Causes%20of%20Loss%20Forms)\" class=\"c-glossary__title\">Formularios de causas de p\u00e9rdida (Causes of Loss Forms)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Documentos utilizados en seguros comerciales que definen las causas de p\u00e9rdida cubiertas, para las cuales se brinda cobertura. Com\u00fanmente, existen tres tipos: B\u00e1sico, Amplio y Especial.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Formulario%20de%20causas%20amplias%20de%20p%C3%A9rdida%20(Broad%20Causes%20of%20Loss%20Form)\" class=\"c-glossary__title\">Formulario de causas amplias de p\u00e9rdida (Broad Causes of Loss Form)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Seguro de propiedad contra peligros como: fuego, rayos, explosi\u00f3n, humo, tormentas, granizo, disturbios civiles, aviones, veh\u00edculos, vandalismo, fuga de rociadores, hundimiento del suelo, actividad volc\u00e1nica, rotura de cristales, ca\u00edda de objetos, peso de nieve, hielo o aguanieve, da\u00f1os por agua (debido a fugas de electrodom\u00e9sticos) y colapsos por causas espec\u00edficas.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Formulario%20de%20causas%20especiales%20de%20p%C3%A9rdida%20(Special%20Causes%20of%20Loss%20Form)%20\" class=\"c-glossary__title\">Formulario de causas especiales de p\u00e9rdida (Special Causes of Loss Form) <\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Formulario de cobertura que protege contra todas las causas de p\u00e9rdida, a menos que se excluyan o limiten espec\u00edficamente.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Formulario%20de%20seguimiento%20(Follow%20Form)\" class=\"c-glossary__title\">Formulario de seguimiento (Follow Form)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Una cl\u00e1usula dentro de una p\u00f3liza de seguro paraguas que se ajusta a la cobertura y disposiciones de la p\u00f3liza subyacente.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Frecuencia%20(Frequency)\" class=\"c-glossary__title\">Frecuencia (Frequency)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">La cantidad de veces que una p\u00e9rdida puede ocurrir dentro de un per\u00edodo de tiempo espec\u00edfico.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">G<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Gastos%20de%20ajuste%20de%20siniestros%20(Loss%20Adjustment%20Expense)\" class=\"c-glossary__title\">Gastos de ajuste de siniestros (Loss Adjustment Expense)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Es el costo que se eval\u00faa en una reclamaci\u00f3n espec\u00edfica para investigar y ajustar la misma.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Gastos%20de%20reclamo%20(Claim%20Expense)\" class=\"c-glossary__title\">Gastos de reclamo (Claim Expense)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Se refiere a los costos asociados con la liquidaci\u00f3n o investigaci\u00f3n de un reclamo.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Gasto%20fijo%20(Expense%20Constant)\" class=\"c-glossary__title\">Gasto fijo (Expense Constant)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Un m\u00ednimo gasto fijo que se cobra en las p\u00f3lizas de compensaci\u00f3n laboral.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Gravamen%20(Lien)\" class=\"c-glossary__title\">Gravamen (Lien)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Un gravamen es una obligaci\u00f3n que se puede tener sobre alguna propiedad o asunto, y es sostenido por una persona que tiene un inter\u00e9s en esa propiedad o asunto en particular.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">H<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Hurto%20(Burglary)\" class=\"c-glossary__title\">Hurto (Burglary)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Hurto de propiedad mediante una entrada forzada, evidenciada por signos visibles, en un inmueble, por parte de una persona.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">I<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"%C3%8Dndice%20de%20siniestralidad%20(Loss%20Ratio)\" class=\"c-glossary__title\">\u00cdndice de siniestralidad (Loss Ratio)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Porcentaje de p\u00e9rdidas incurridas en relaci\u00f3n a las primas ganadas.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Informe%20de%20p%C3%A9rdidas%20(Loss%20Report)\" class=\"c-glossary__title\">Informe de p\u00e9rdidas (Loss Report)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Un documento que muestra los reclamos reportados y brinda detalles importantes como la fecha en que ocurrieron, el tipo de reclamo, la cantidad pagada y la cantidad reservada para cada p\u00e9rdida.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Instalaciones%20(Premises)\" class=\"c-glossary__title\">Instalaciones (Premises)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Lugar donde se aplica la cobertura de un seguro.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Instalaciones-Operaciones%20(Premises-Operations)\" class=\"c-glossary__title\">Instalaciones-Operaciones (Premises-Operations)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Categor\u00eda de riesgo cubierta por una p\u00f3liza de responsabilidad general. Cubre situaciones donde puede haber lesiones o da\u00f1os relacionados con la propiedad o las actividades comerciales de la persona asegurada. Por ejemplo, si alguien resulta herido en la propiedad del asegurado o durante sus operaciones comerciales.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Inter%C3%A9s%20de%20arrendamiento%20(Leasehold%20Interest)\" class=\"c-glossary__title\">Inter\u00e9s de arrendamiento (Leasehold Interest)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura que protege a los inquilinos ante una posible p\u00e9rdida en caso de que se termine su contrato de arrendamiento debido a alg\u00fan da\u00f1o en el lugar arrendado, siempre y cuando ese da\u00f1o est\u00e9 incluido en la p\u00f3liza.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">L<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Lesi%C3%B3n%20acumulativa%20(Cumulative%20Injury)\" class=\"c-glossary__title\">Lesi\u00f3n acumulativa (Cumulative Injury)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Tipo de da\u00f1o que ocurre debido a la repetici\u00f3n de tareas en el trabajo durante un per\u00edodo prolongado de tiempo.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Lesiones%20personales%20(Personal%20Injury)\" class=\"c-glossary__title\">Lesiones personales (Personal Injury)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Tipo de cobertura de responsabilidad civil que cubre delitos asegurados que causan da\u00f1o, distinto a lesiones corporales, como arrestos falsos, detenciones o encarcelamientos, procesamientos maliciosos, desalojos ilegales, difamaci\u00f3n, calumnias y violaci\u00f3n de la privacidad.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Lesi%C3%B3n%20laboral%20(Occupational%20Injury)\" class=\"c-glossary__title\">Lesi\u00f3n laboral (Occupational Injury)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Da\u00f1o f\u00edsico que ocurre durante el desarrollo de una actividad laboral y es causado por factores relacionados con el trabajo realizado. Esto podr\u00eda incluir accidentes, ca\u00eddas, lesiones por esfuerzo repetitivo u otros eventos traum\u00e1ticos.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Ley%20de%20seguro%20de%20compensaci%C3%B3n%20para%20trabajadores%20mar%C3%ADtimos%20y%20portuarios%20(LHWCA)\" class=\"c-glossary__title\">Ley de seguro de compensaci\u00f3n para trabajadores mar\u00edtimos y portuarios (LHWCA)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Ley federal que proporciona beneficios de compensaci\u00f3n laboral a los empleados de una embarcaci\u00f3n que resulten heridos en empleos mar\u00edtimos, como cargar, descargar, reparar o construir un barco, pero no se aplica a los miembros de la tripulaci\u00f3n.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"L%C3%ADmite%20agregado%20(Aggregate)\" class=\"c-glossary__title\">L\u00edmite agregado (Aggregate)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cantidad m\u00e1xima que una compa\u00f1\u00eda de seguros pagar\u00e1 durante la vigencia de una p\u00f3liza.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"L%C3%ADmite%20de%20responsabilidad%20(Limit%20of%20Liability)\" class=\"c-glossary__title\">L\u00edmite de responsabilidad (Limit of Liability)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Monto m\u00e1ximo que una aseguradora acuerda pagar en caso de p\u00e9rdida.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"L%C3%ADmite%20de%20cobertura%20de%20responsabilidad%20civil%20por%20lesiones%20corporales%20(Bodily%20Injury%20Liability%20Limit)\" class=\"c-glossary__title\">L\u00edmite de cobertura de responsabilidad civil por lesiones corporales (Bodily Injury Liability Limit)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cantidad m\u00e1xima por la cual el asegurado es legalmente responsable de pagar los da\u00f1os causados por lesiones corporales o enfermedad, incluyendo un fallecimiento resultante.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"L%C3%ADmite%20de%20cobertura%20de%20responsabilidad%20civil%20por%20lesiones%20corporales%20por%20enfermedad%20(Bodily%20Injury%20by%20Disease-Policy%20Limit)\" class=\"c-glossary__title\">L\u00edmite de cobertura de responsabilidad civil por lesiones corporales por enfermedad (Bodily Injury by Disease-Policy Limit)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Importe m\u00e1ximo que una aseguradora pagar\u00e1 en una p\u00f3liza de compensaci\u00f3n laboral por reclamaciones de lesiones corporales por enfermedad de sus empleados durante el per\u00edodo de la cobertura, sin importar cu\u00e1ntos empleados hagan tales reclamaciones.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"L%C3%ADmite%20de%20n%C3%B3mina%20(Payroll%20Limitation)\" class=\"c-glossary__title\">L\u00edmite de n\u00f3mina (Payroll Limitation)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">L\u00edmite establecido en la cantidad de sueldo que se puede considerar al calcular el monto de la prima de un seguro.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"L%C3%ADmite%20de%20lesiones%20corporales%20por%20accidente%20(Bodily%20Injury%20by%20Accident%20Limit)\" class=\"c-glossary__title\">L\u00edmite de lesiones corporales por accidente (Bodily Injury by Accident Limit)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cantidad m\u00e1xima que una aseguradora pagar\u00e1 en virtud de una p\u00f3liza de compensaci\u00f3n laboral, por reclamaciones derivadas de un solo accidente, sin importar cu\u00e1ntas reclamaciones de empleados surjan de \u00e9ste.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"L%C3%ADmite%20general%20agregado%20(General%20Aggregate%20Limit)\" class=\"c-glossary__title\">L\u00edmite general agregado (General Aggregate Limit)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Monto m\u00e1ximo de dinero que se pagar\u00e1 durante el per\u00edodo de la p\u00f3liza por cualquier p\u00e9rdida que ocurra, exceptuando aquellas que implican los productos y operaciones completadas (los cuales se cubren en la p\u00f3liza est\u00e1ndar de responsabilidad civil general comercial).<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"L%C3%ADmites%20m%C3%ADnimos%20(Basic%20Limits)\" class=\"c-glossary__title\">L\u00edmites m\u00ednimos (Basic Limits)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">L\u00edmites b\u00e1sicos de responsabilidad que puede tener un asegurado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Lesi%C3%B3n%20corporal%20por%20enfermedad%2C%20por%20empleado%20(Bodily%20Injury%20by%20Disease%2C%20Each%20Employee)\" class=\"c-glossary__title\">Lesi\u00f3n corporal por enfermedad, por empleado (Bodily Injury by Disease, Each Employee)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cantidad m\u00e1xima que un asegurador pagar\u00e1 en virtud de la de p\u00f3liza de compensaci\u00f3n laboral por da\u00f1os causados por lesiones corporales debido a una enfermedad en un solo empleado.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">M<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Maquinaria%20m%C3%B3vil%20(Mobile%20Equipment)\" class=\"c-glossary__title\">Maquinaria m\u00f3vil (Mobile Equipment)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Se refiere a equipos como excavadoras, tractores, maquinaria agr\u00edcola, montacargas, entre otros, que, a pesar de ser de propulsi\u00f3n propia, no se consideran autom\u00f3viles para fines de seguro.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Mejoras%20y%20renovaciones%20(Improvements%20and%20Betterments)\" class=\"c-glossary__title\">Mejoras y renovaciones (Improvements and Betterments)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Adiciones o cambios que un inquilino realiza por su cuenta en una propiedad, los cuales no pueden ser legalmente removidos. Por lo general, estas mejoras est\u00e1n cubiertas por la p\u00f3liza de seguro de propiedad del inquilino.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Muro%20cortafuegos%20(Fire%20Wall)\" class=\"c-glossary__title\">Muro cortafuegos (Fire Wall)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Pared o muro dise\u00f1ado para evitar la propagaci\u00f3n del fuego de una parte de un edificio a otra.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Modificador%20de%20experiencia%20(Experience%20Modifier)\" class=\"c-glossary__title\">Modificador de experiencia (Experience Modifier)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Factor que indica un ajuste positivo o negativo en la prima, basado en la comparaci\u00f3n entre la experiencia real de un asegurado y lo que se esperaba o lo que es t\u00edpico dentro de su industria.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">N<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"No%20suscripci%C3%B3n%20(Non-subscription)\" class=\"c-glossary__title\">No suscripci\u00f3n (Non-subscription)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">En Texas, este t\u00e9rmino se refiere a los empleadores que deciden optar por no participar en el sistema de compensaci\u00f3n laboral. Esto significa que, en caso de que un trabajador sufra una lesi\u00f3n en el trabajo debido a la negligencia de la empresa, el empleador puede ser considerado responsable en un caso de agravio (tort). A diferencia de los empleadores que s\u00ed participan en el sistema y tienen cierta defensa disponible, este tipo de empleadores pueden ser considerados totalmente responsables de un incidente.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">P<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Pagos%20m%C3%A9dicos%2C%20en%20seguro%20de%20autom%C3%B3vil%20(Medical%20Payments)\" class=\"c-glossary__title\">Pagos m\u00e9dicos, en seguro de autom\u00f3vil (Medical Payments)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura opcional de la p\u00f3liza de seguro de veh\u00edculo que paga los gastos m\u00e9dicos en casos de lesiones corporales causadas por un accidente automovil\u00edstico, independientemente de qui\u00e9n tenga la culpa. La cobertura para personas que no son el asegurado ni su familia est\u00e1 limitada generalmente a las circunstancias en que son pasajeros del auto asegurado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Pagos%20m%C3%A9dicos%2C%20en%20responsabilidad%20civil%20(Medical%20Payments)\" class=\"c-glossary__title\">Pagos m\u00e9dicos, en responsabilidad civil (Medical Payments)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de responsabilidad general que reembolsa a terceros, independientemente de qui\u00e9n tenga la culpa, gastos m\u00e9dicos o funerarios incurridos como resultado de lesiones corporales o muerte provocadas por un accidente.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Periodo%20de%20p%C3%B3liza%20(Policy%20Period)\" class=\"c-glossary__title\">Periodo de p\u00f3liza (Policy Period)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">T\u00e9rmino o duraci\u00f3n de una p\u00f3liza de seguro, incluye la fecha de efectividad y la fecha de vencimiento.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Peso%20bruto%20vehicular%20(Gross%20Vehicle%20Weight%2C%20GVW)\" class=\"c-glossary__title\">Peso bruto vehicular (Gross Vehicle Weight, GVW)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Peso m\u00e1ximo permitido que un veh\u00edculo puede llevar, incluyendo su carga y pasajeros. Este peso est\u00e1 determinado por el fabricante del veh\u00edculo y es utilizado como una medida de seguridad para evitar da\u00f1os o accidentes.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Peligro%20(Peril)\" class=\"c-glossary__title\">Peligro (Peril)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Causa de una p\u00e9rdida en un seguro, como incendio, tormenta, colisi\u00f3n, etc.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"P%C3%A9rdida%20(Loss)\" class=\"c-glossary__title\">P\u00e9rdida (Loss)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cantidad que una compa\u00f1\u00eda de aseguranza paga por da\u00f1os, de acuerdo con los t\u00e9rminos de una p\u00f3liza.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"P%C3%A9rdida%20fija%20(Loss%20Constant)\" class=\"c-glossary__title\">P\u00e9rdida fija (Loss Constant)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cargo fijo que se agrega a la prima de las p\u00f3lizas de compensaci\u00f3n laboral de poca amplitud, para compensar una relaci\u00f3n de p\u00e9rdidas m\u00e1s alta.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"P%C3%A9rdida%20incurrida%20(Incurred%20Losses)\" class=\"c-glossary__title\">P\u00e9rdida incurrida (Incurred Losses)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cantidad de dinero que una p\u00f3liza ha pagado por reclamos y reservas de p\u00e9rdidas durante un per\u00edodo de tiempo, generalmente un a\u00f1o de cobertura. Este c\u00e1lculo incluye las p\u00e9rdidas ocurridas durante el per\u00edodo, junto con las que quedan pendientes al final y al comienzo del mismo.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"P%C3%A9rdida%20total%20constructiva%20(Constructive%20Total%20Loss)\" class=\"c-glossary__title\">P\u00e9rdida total constructiva (Constructive Total Loss)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Da\u00f1o ocurrido a la propiedad, mayor que el valor de la misma. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Prima%20(Premium)\" class=\"c-glossary__title\">Prima (Premium)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cantidad de dinero que una compa\u00f1\u00eda de seguros cobra para proporcionar cobertura en una p\u00f3liza.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Prima%20m%C3%ADnima%20(Minimum%20Premium)\" class=\"c-glossary__title\">Prima m\u00ednima (Minimum Premium)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">La cantidad m\u00e1s baja de prima que se cobrar\u00e1 por brindar una cobertura de aseguranza particular.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Producto%20(Product)%20\" class=\"c-glossary__title\">Producto (Product) <\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cualquier objeto que sea fabricado, vendido, manejado, distribuido o dispuesto por una persona o empresa en el curso de su negocio. Esto puede incluir contenedores, partes y equipos, as\u00ed como garant\u00edas del producto, instrucciones y advertencias necesarias.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Propiedad%20personal%20(Personal%20Property)\" class=\"c-glossary__title\">Propiedad personal (Personal Property)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Bienes tangibles que no se clasifican como bienes ra\u00edces.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Protecci%C3%B3n%20de%20lesiones%20personales%20(Personal%20Injury%20Protection%20-%20PIP)\" class=\"c-glossary__title\">Protecci\u00f3n de lesiones personales (Personal Injury Protection &#8211; PIP)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de seguro de autom\u00f3vil que, en algunos estados, se requiere por ley. Proporciona beneficios de primera parte para gastos m\u00e9dicos, p\u00e9rdida de ingresos, gastos funerarios y otros gastos similares, sin importar qui\u00e9n fue el responsable del accidente.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"P%C3%B3liza%20de%20auto%20comercial%20(Business%20Auto%20Policy)\" class=\"c-glossary__title\">P\u00f3liza de auto comercial (Business Auto Policy)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Seguro para negocios que cubre responsabilidad civil y da\u00f1o f\u00edsico de autom\u00f3viles. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"P%C3%B3liza%20de%20auto%20personal%20(PAP%20-%20Personal%20Auto%20Policy)%20\" class=\"c-glossary__title\">P\u00f3liza de auto personal (PAP &#8211; Personal Auto Policy) <\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Tipo de seguro que cubre los autos de propietarios-pasajeros privados. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"P%C3%B3liza%20de%20riesgos%20identificados%20(Specified%20Causes%20of%20Loss%20Coverage)\" class=\"c-glossary__title\">P\u00f3liza de riesgos identificados (Specified Causes of Loss Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura contra da\u00f1os f\u00edsicos para autom\u00f3viles que se aplica solamente a las p\u00e9rdidas causadas por los peligros detallados en la p\u00f3liza.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Prima%20de%20dep%C3%B3sito%20(Deposit%20Premium)\" class=\"c-glossary__title\">Prima de dep\u00f3sito (Deposit Premium)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Importe que se paga al comienzo de una p\u00f3liza de seguro, antes de que se determine el monto total de la prima. Es como un adelanto inicial que se da al inicio y luego se ajusta seg\u00fan el c\u00e1lculo final de la tarifa.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Prima%20estimada%20(Estimated%20Premium)\" class=\"c-glossary__title\">Prima estimada (Estimated Premium)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Tarifa inicial que podr\u00eda ser ajustada dependiendo de los cambios en las situaciones de riesgo.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Prima%20no%20devengada%20(Unearned%20Premium)\" class=\"c-glossary__title\">Prima no devengada (Unearned Premium)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Porci\u00f3n del costo total del seguro que el asegurado a\u00fan no ha utilizado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Prima%20retribuida%20(Earned%20Premium)\" class=\"c-glossary__title\">Prima retribuida (Earned Premium)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Monto de la prima que ha sido aplicado o ganado por un periodo de tiempo espec\u00edfico.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Productos%20-%20Operaciones%20completadas%20(Products-Completed%20Operations)\" class=\"c-glossary__title\">Productos &#8211; Operaciones completadas (Products-Completed Operations)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de seguro que protege al asegurado en caso de que alguien resulte herido o sufra da\u00f1os debido a los productos que hayan vendido o las operaciones comerciales que hayan llevado a cabo fuera de su lugar de trabajo. Esta protecci\u00f3n se aplica una vez que dichas operaciones hayan sido completadas.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Programa%20Nacional%20de%20Seguro%20contra%20Inundaciones%20(National%20Flood%20Insurance%20Program)\" class=\"c-glossary__title\">Programa Nacional de Seguro contra Inundaciones (National Flood Insurance Program)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Proyecto financiado por el gobierno federal creado para brindar un seguro contra inundaciones a propiedades ubicadas en comunidades espec\u00edficas y vulnerables.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Provisi%C3%B3n%20de%20disminuci%C3%B3n%20(Drop%20Down%20Provision)\" class=\"c-glossary__title\">Provisi\u00f3n de disminuci\u00f3n (Drop Down Provision)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cl\u00e1usula utilizada en las p\u00f3lizas paraguas, que establece que la protecci\u00f3n se extender\u00e1 a los l\u00edmites agregados de la p\u00f3liza subyacente cuando estos se hayan reducido o agotado. En otras palabras, brinda una capa adicional de protecci\u00f3n cuando los l\u00edmites de la p\u00f3liza principal ya no son suficientes.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">R<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Reclamo%20(Claim)\" class=\"c-glossary__title\">Reclamo (Claim)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Solicitud presentada por un asegurado o un reclamante para recibir un pago bajo una p\u00f3liza de seguro.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Reclamante%20(Claimant)\" class=\"c-glossary__title\">Reclamante (Claimant)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Persona que presenta un reclamo. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Persona%20que%20presenta%20un%20reclamo.%20\" class=\"c-glossary__title\">Persona que presenta un reclamo. <\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\"> P\u00f3liza emitida para reemplazar una a punto de vencer. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Renuncia%20de%20subrogaci%C3%B3n%20(Waiver%20of%20Subrogation)\" class=\"c-glossary__title\">Renuncia de subrogaci\u00f3n (Waiver of Subrogation)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Tambi\u00e9n conocida como \u201ctransferencia de derechos de recuperaci\u00f3n\u201d, consiste en la renuncia por parte de una aseguradora al derecho de cobrar a la otra parte los da\u00f1os pagados en nombre del asegurado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Reserva%20de%20reclamos%20(Claims%20Reserve)\" class=\"c-glossary__title\">Reserva de reclamos (Claims Reserve)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cantidad de dinero reservada para cubrir los reclamos reportados, pero a\u00fan no pagados.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Reserva%20para%20p%C3%A9rdidas%20(Loss%20Reserve)\" class=\"c-glossary__title\">Reserva para p\u00e9rdidas (Loss Reserve)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cantidad estimada apartada para un reclamo espec\u00edfico que a\u00fan no ha sido pagado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Responsabilidad%20civil%20(Liability)\" class=\"c-glossary__title\">Responsabilidad civil (Liability)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Obligaci\u00f3n legal de pagar una compensaci\u00f3n econ\u00f3mica por los da\u00f1os o lesiones causados por una acci\u00f3n negligente o que est\u00e1 prohibida por la ley.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Responsabilidad%20del%20producto%20(Product%20Liability)\" class=\"c-glossary__title\">Responsabilidad del producto (Product Liability)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Responsabilidad que un comerciante o fabricante puede tener por lesiones corporales o da\u00f1os a la propiedad como consecuencia de alg\u00fan defecto en el producto vendido o elaborado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Responsabilidad%20civil%20por%20cuidado%2C%20custodia%20y%20control%20(Care%2C%20Custody%20or%20Control)\" class=\"c-glossary__title\">Responsabilidad civil por cuidado, custodia y control (Care, Custody or Control)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cl\u00e1usula en un seguro de responsabilidad que excluye la cobertura por da\u00f1os a la propiedad que se encuentra en posesi\u00f3n o bajo el cuidado o custodia del asegurado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Responsabilidad%20fiduciaria%20(Fiduciary%20Liability)\" class=\"c-glossary__title\">Responsabilidad fiduciaria (Fiduciary Liability)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Responsabilidad que tienen los empleadores y quienes administran programas de beneficios para trabajadores, de responder por errores y omisiones en su gesti\u00f3n.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Responsabilidad%20profesional%20(Professional%20Liability)\" class=\"c-glossary__title\">Responsabilidad profesional (Professional Liability)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\"> Cobertura de seguro dise\u00f1ada para proteger a profesionales como m\u00e9dicos y brokers de bienes ra\u00edces en caso de que cometan errores o no cumplan con ciertas obligaciones mientras realizan su trabajo.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Reticencia%20u%20ocultaci%C3%B3n%20(Concealment)\" class=\"c-glossary__title\">Reticencia u ocultaci\u00f3n (Concealment)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Ocurre cuando no se revelan hechos que podr\u00edan invalidar una p\u00f3liza de seguro.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Retiro%20de%20escombros%20(Debris%20Removal)\" class=\"c-glossary__title\">Retiro de escombros (Debris Removal)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Costo que implica retirar los escombros de una propiedad asegurada que fue da\u00f1ada por un evento asegurado. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Robo%20(Robbery)\" class=\"c-glossary__title\">Robo (Robbery)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Robo de una propiedad donde se utiliza o se amenaza con usar la fuerza.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">S<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20a%20valor%20total%20(Insurance%20to%20Value)\" class=\"c-glossary__title\">Seguro a valor total (Insurance to Value)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Un documento requerido por los jueces a las personas condenadas por ciertas infracciones de tr\u00e1fico que demuestra evidencia de responsabilidad financiera. \u00bfNecesita el SR-22?. (En ingl\u00e9s solamente)<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20contra%20deshonestidad%20(Employee%20Dishonesty%20Coverage)\" class=\"c-glossary__title\">Seguro contra deshonestidad (Employee Dishonesty Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Protecci\u00f3n que cubre el robo de dinero, valores o propiedad por parte de un empleado de una compa\u00f1\u00eda asegurada.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20contra%20fugas%20de%20rociadores%20(Sprinkler%20Leakage%20Coverage)\" class=\"c-glossary__title\">Seguro contra fugas de rociadores (Sprinkler Leakage Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">P\u00f3liza que protege contra da\u00f1os a la propiedad causados por la descarga accidental o fuga de agua de sistemas de rociadores autom\u00e1ticos u otros dispositivos de prevenci\u00f3n de incendios.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20contra%20interrupci%C3%B3n%20de%20servicios%20p%C3%BAblicos%20(Utility%20Interruption%20Coverage)\" class=\"c-glossary__title\">Seguro contra interrupci\u00f3n de servicios p\u00fablicos (Utility Interruption Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">P\u00f3liza que protege al asegurado si hay una p\u00e9rdida de electricidad debido a un da\u00f1o cubierto, por ejemplo, un incendio o una tormenta, en una instalaci\u00f3n lejos de su propiedad.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20auto%20a%20todo%20riesgo%20o%20integral%20(Comprehensive%20Auto%20Coverage)\" class=\"c-glossary__title\">Seguro de auto a todo riesgo o integral (Comprehensive Auto Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de seguro que protege un autom\u00f3vil contra casi todo tipo de da\u00f1o, excepto lo que est\u00e9 espec\u00edficamente excluido. Esto incluye da\u00f1os por incendios, robos, vandalismo y otros eventos que pueden afectar un veh\u00edculo. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20cristales%20(Glass%20Insurance)\" class=\"c-glossary__title\">Seguro de cristales (Glass Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">P\u00f3liza de seguro de propiedad que cubre el rompimiento de cristales de un edificio, sin importar la causa que lo haya provocado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20colisi%C3%B3n%20(Collision%20Insurance)\" class=\"c-glossary__title\">Seguro de colisi\u00f3n (Collision Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Proporciona un pago para un autom\u00f3vil cubierto que resulta da\u00f1ado al chocar contra otro objeto mientras est\u00e1 en movimiento.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20da%C3%B1os%20a%20terceros%20(Casualty%20Insurance)\" class=\"c-glossary__title\">Seguro de da\u00f1os a terceros (Casualty Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">P\u00f3liza que protege financieramente ante las lesiones y el da\u00f1o a la propiedad de otras personas por los que el asegurado sea considerado responsable.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20flotante%20(Equipment%20Floater)\" class=\"c-glossary__title\">Seguro flotante (Equipment Floater)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de propiedad que cubre equipos que se mueven frecuentemente de un lugar a otro.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20elemento%20de%20tiempo%20(Time%20Element%20Insurance)\" class=\"c-glossary__title\">Seguro de elemento de tiempo (Time Element Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura que protege contra la p\u00e9rdida de ganancias o ingresos debido a la incapacidad de utilizar una propiedad da\u00f1ada para su uso normal.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20estacionamiento%20(Garagekeepers%20Coverage)\" class=\"c-glossary__title\">Seguro de estacionamiento (Garagekeepers Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura dise\u00f1ada para proteger al propietario de un garaje de almacenamiento, estacionamiento o taller de reparaci\u00f3n de autom\u00f3viles de la responsabilidad por cualquier da\u00f1o que pueda ocurrir a los veh\u00edculos dejados bajo su custodia para su cuidado o reparaci\u00f3n.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20exceso%20de%20p%C3%A9rdidas%20(Employers%20Excess%20Indemnity%20Insurance)\" class=\"c-glossary__title\">Seguro de exceso de p\u00e9rdidas (Employers Excess Indemnity Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de seguro adquirida por empleadores que no se adhieren a la Ley de Compensaci\u00f3n de Trabajadores de Texas. Esta cobertura brinda protecci\u00f3n adicional en caso de lesiones o enfermedades laborales, m\u00e1s all\u00e1 de lo que proporciona la Ley de Compensaci\u00f3n de Trabajadores.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20fianza%20(Bond)\" class=\"c-glossary__title\">Seguro de fianza (Bond)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Acuerdo escrito en el que una parte, el fiador o aseguradora, garantiza la actuaci\u00f3n o la honestidad de una segunda parte, el principal (deudor), al tercero (acreedor) a quien se le debe un trabajo o deuda.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20ingresos%20comerciales%20(Business%20Income%20Coverage)\" class=\"c-glossary__title\">Seguro de ingresos comerciales (Business Income Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">P\u00f3liza que provee una compensaci\u00f3n por la p\u00e9rdida de ingresos que pueda experimentar un negocio debido a la interrupci\u00f3n imprevista de sus actividades comerciales.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20incendio%20(Fire%20Legal%20Liability%20Coverage)\" class=\"c-glossary__title\">Seguro de incendio (Fire Legal Liability Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Esta cobertura protege al asegurado en caso de que los locales alquilados por el asegurado sufran da\u00f1os causados por incendio.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20l%C3%ADneas%20excedentes%20(Excess%20and%20Surplus%20Lines%20Insurance)\" class=\"c-glossary__title\">Seguro de l\u00edneas excedentes (Excess and Surplus Lines Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura provista por aseguradoras no licenciadas en el estado donde se encuentra un riesgo.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20propiedad%20(Property%20Insurance)\" class=\"c-glossary__title\">Seguro de propiedad (Property Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Seguro de primera parte que protege propiedades reales y personales contra p\u00e9rdidas o da\u00f1o f\u00edsico. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20propiedad%20para%20obras%20de%20arte%20(Property%20insurance%20for%20works%20of%20art)\" class=\"c-glossary__title\">Seguro de propiedad para obras de arte (Property insurance for works of art)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">P\u00f3liza que protege contra p\u00e9rdida o da\u00f1o f\u00edsico para obras de arte exhibidas en un recinto o dentro de una propiedad privada. Esta cobertura puede extenderse a la estad\u00eda o tr\u00e1nsito de dichas obras, desde el traslado y montaje hasta la exposici\u00f3n y desmontaje. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20propietarios%20(Rents%20or%20Rental%20Value%20Insurance)\" class=\"c-glossary__title\">Seguro de propietarios (Rents or Rental Value Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\"> Seguro que cubre al propietario de un edificio la p\u00e9rdida de ingresos de alquiler debido a da\u00f1os causados por un riesgo asegurado.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20responsabilidad%20civil%20como%20conductor%20de%20autos%20de%20terceros%20(Driver%20Other%20Car%20Endorsement)\" class=\"c-glossary__title\">Seguro de responsabilidad civil como conductor de autos de terceros (Driver Other Car Endorsement)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Opci\u00f3n que se puede a\u00f1adir a una p\u00f3liza de seguro de autom\u00f3vil. Ofrece protecci\u00f3n al conductor designado en el endoso cuando est\u00e1 conduciendo un veh\u00edculo distinto al que est\u00e1 mencionado en la p\u00f3liza. Es decir, es una forma de extender la cobertura del seguro a otros autos en los que el conductor asegurado pueda estar al volante.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20responsabilidad%20civil%20general%20(General%20Liability%20Insurance)\" class=\"c-glossary__title\">Seguro de responsabilidad civil general (General Liability Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">P\u00f3liza que brinda protecci\u00f3n a las empresas contra la mayor\u00eda de los riesgos de responsabilidad, excluyendo la responsabilidad profesional y de auto.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20responsabilidad%20civil%20para%20garajes%20(Garage%20Liability%20Insurance)\" class=\"c-glossary__title\">Seguro de responsabilidad civil para garajes (Garage Liability Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Tipo de seguro que cubre la responsabilidad legal de concesionarios de autom\u00f3viles, talleres de reparaci\u00f3n y estaciones de servicio. Protege en caso de que ocurran lesiones corporales o da\u00f1os a la propiedad durante las operaciones comerciales de estas clases de negocios. Es decir, se enfoca en una protecci\u00f3n de responsabilidad m\u00e1s amplia relacionada con las operaciones diarias de esta industria. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20responsabilidad%20civil%20para%20pr%C3%A1cticas%20laborales%20(Employment%20Practices%20Liability%20Insurance)\" class=\"c-glossary__title\">Seguro de responsabilidad civil para pr\u00e1cticas laborales (Employment Practices Liability Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de responsabilidad civil que cubre actos il\u00edcitos derivados de pr\u00e1cticas de empleo, tales como el despido injusto, la discriminaci\u00f3n y el acoso sexual. En suma, esta cobertura protege a las empresas en caso de ser demandadas por sus empleados debido a pr\u00e1cticas laborales indebidas.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20maquinaria%20y%20calderas%20(Boiler%20%26amp%3B%20Machinery%20Insurance)\" class=\"c-glossary__title\">Seguro de maquinaria y calderas (Boiler &amp; Machinery Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Protecci\u00f3n que cubre las p\u00e9rdidas causadas por fallas mec\u00e1nicas o el\u00e9ctricas, incluyendo el da\u00f1o sufrido por el propio equipo.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20operaciones%20completadas%20(Completed%20Operations)\" class=\"c-glossary__title\">Seguro de operaciones completadas (Completed Operations)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de responsabilidad civil general para el trabajo terminado por el asegurado fuera del lugar de trabajo. Esta cobertura garantiza que, si el trabajo completado causa da\u00f1os o lesiones, el asegurado estar\u00e1 protegido.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20procesamiento%20de%20datos%20o%20cobertura%20EDP%20(Data%20Processing%20or%20EDP%20Coverage)\" class=\"c-glossary__title\">Seguro de procesamiento de datos o cobertura EDP (Data Processing or EDP Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Aseguranza que cubre todos los riesgos relacionados con equipos de procesamiento de datos electr\u00f3nicos (computadoras), programas inform\u00e1ticos e informaci\u00f3n, incluyendo fallas mec\u00e1nicas, da\u00f1os el\u00e9ctricos y cambios de temperatura y humedad.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20para%20due%C3%B1os%20de%20negocios%20(Business%20Owners%20Policy)\" class=\"c-glossary__title\">Seguro para due\u00f1os de negocios (Business Owners Policy)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">P\u00f3liza que combina cobertura de propiedad y responsabilidad para ciertos tipos de peque\u00f1as empresas.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20responsabilidad%20civil%20comercial%20general%20(Commercial%20General%20Liability%20Policy)\" class=\"c-glossary__title\">Seguro de responsabilidad civil comercial general (Commercial General Liability Policy)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Protege a las empresas de reclamos por lesiones o da\u00f1os a la propiedad causados por sus operaciones comerciales, productos, servicios, publicidad o comunicaciones.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20multicobertura%20(Package%20Policy)\" class=\"c-glossary__title\">Seguro multicobertura (Package Policy)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Tipo de p\u00f3liza de seguro que combina varias coberturas diferentes en una sola. En algunos casos, se conoce como una p\u00f3liza todo en uno. Brinda cobertura de responsabilidad civil general y da\u00f1os a la propiedad.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20de%20tr%C3%A1nsito%20(Transit%20Coverage)\" class=\"c-glossary__title\">Seguro de tr\u00e1nsito (Transit Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura que protege la propiedad del asegurado mientras est\u00e1 en tr\u00e1nsito terrestre desde una ubicaci\u00f3n a otra. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20obligatorio%20(Compulsory%20Insurance)\" class=\"c-glossary__title\">Seguro obligatorio (Compulsory Insurance)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura requerida por la ley.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20All%20Risk\" class=\"c-glossary__title\">Seguro All Risk<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Tipo de aseguranza de propiedad que cubre p\u00e9rdidas originadas por todas las causas, excepto aquellas que est\u00e1n espec\u00edficamente excluidas.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20paraguas%20de%20responsabilidad%20civil%20(Umbrella%20Liability%20Policy)\" class=\"c-glossary__title\">Seguro paraguas de responsabilidad civil (Umbrella Liability Policy)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Tambi\u00e9n conocida como P\u00f3liza de Responsabilidad Excedente, ofrece protecci\u00f3n extra en caso de p\u00e9rdidas grandes cubiertas por otros seguros de responsabilidad como el de auto comercial, embarcaciones, etc. Proporciona l\u00edmites de cobertura suplementarios y cubre reclamaciones no contempladas por las otras p\u00f3lizas.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20para%20documentos%20valiosos%20(Valuable%20Papers%20and%20Records%20Coverage)\" class=\"c-glossary__title\">Seguro para documentos valiosos (Valuable Papers and Records Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">P\u00f3liza que cubre documentos y registros importantes ante da\u00f1os o destrucciones. Esta cobertura generalmente incluye la mayor\u00eda de los documentos impresos o registros, excepto programas de datos y archivos multimedia. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Seguro%20subyacente%20(Underlying%20Coverage)\" class=\"c-glossary__title\">Seguro subyacente (Underlying Coverage)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura que se activa para proteger contra un mismo riesgo. En caso de p\u00e9rdida, esta protecci\u00f3n ser\u00e1 utilizada primero, antes de que la p\u00f3liza excedente pague cualquier parte de la reclamaci\u00f3n.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Solicitud%20(Application)\" class=\"c-glossary__title\">Solicitud (Application)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Formulario que contiene la informaci\u00f3n necesaria para que una aseguradora pueda evaluar y valorar una p\u00f3liza espec\u00edfica.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Solicitud%20de%20cancelaci%C3%B3n%20de%20p%C3%B3liza%20(Lost%20Policy%20Release)\" class=\"c-glossary__title\">Solicitud de cancelaci\u00f3n de p\u00f3liza (Lost Policy Release)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Declaraci\u00f3n firmada por el asegurado cuando desea cancelar la p\u00f3liza, pero ha extraviado o perdido la p\u00f3liza original. Esta liberaci\u00f3n exonera a la aseguradora de toda responsabilidad o p\u00e9rdida.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Suceso%20(Occurrence)\" class=\"c-glossary__title\">Suceso (Occurrence)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Exposici\u00f3n continua, gradual o repetida a condiciones da\u00f1inas generales sustancialmente similares. Las p\u00f3lizas de responsabilidad civil aseguran la responsabilidad por esta clase de lesiones corporales o da\u00f1os a la propiedad.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Suscriptor%20(Underwriter)%20\" class=\"c-glossary__title\">Suscriptor (Underwriter) <\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Persona encargada de decidir si eres elegible para recibir cobertura y cu\u00e1nto deber\u00e1s pagar por ella.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                            <div class=\"c-glossary__letters\">\n                            <div class=\"c-glossary__letter-wrapper\">\n                                <div class=\"c-glossary__letter\">V<\/div>\n                            <\/div>\n                            <ul class=\"o-list-bare c-glossary__list\">\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Validaci%C3%B3n%20(Countersignature)\" class=\"c-glossary__title\">Validaci\u00f3n (Countersignature)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Firma de un agente o representante autorizado que se requiere en una p\u00f3liza para autenticarla.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Valor%20actual%20en%20efectivo%20(ACV)%20(Actual%20Cash%20Value)\" class=\"c-glossary__title\">Valor actual en efectivo (ACV) (Actual Cash Value)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Costo de reparar o reemplazar una propiedad da\u00f1ada con materiales de calidad similar, descontando el valor por depreciaci\u00f3n.<\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Veh%C3%ADculo%20no%20propio%20(Nonowned%20Automobile)\" class=\"c-glossary__title\">Veh\u00edculo no propio (Nonowned Automobile)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Cobertura de seguro de auto comercial que aplica a veh\u00edculos que no son propiedad, ni est\u00e1n arrendados, contratados, alquilados o prestados por la empresa asegurada, pero son utilizados en relaci\u00f3n con su negocio. El t\u00e9rmino se refiere espec\u00edficamente a los carros que son propiedad de los empleados y que son utilizados para fines relacionados con el trabajo. <\/div>\n                                <\/li>\n                                                                <li class=\"o-list-bare__item c-glossary__item\">\n                                    \n                                    <h2 id=\"Vencimiento%20(Expiration)\" class=\"c-glossary__title\">Vencimiento (Expiration)<\/h2>\n                                    <div class=\"c-glossary__text s-cms-content\">Fecha final de una p\u00f3liza de seguro.<\/div>\n                                <\/li>\n                                                            <\/ul>\n                        <\/div>\n                                                    \n            <\/div>\n        <\/div>\n    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