{"id":1871,"date":"2025-06-17T19:47:30","date_gmt":"2025-06-17T19:47:30","guid":{"rendered":"https:\/\/expertoinsurance.com\/blog\/?p=1871"},"modified":"2025-06-20T18:43:20","modified_gmt":"2025-06-20T18:43:20","slug":"seguro-para-pequenas-empresas-en-texas","status":"publish","type":"post","link":"https:\/\/expertoinsurance.com\/blog\/seguro-para-pequenas-empresas-en-texas\/","title":{"rendered":"Seguro para peque\u00f1as empresas en Texas"},"content":{"rendered":"\n<p>Tener un negocio propio implica <strong>riesgos de da\u00f1os a la propiedad hasta accidentes con empleados o clientes<\/strong>. El seguro para peque\u00f1as empresas en Texas te ayuda a cubrir riesgos y evitar p\u00e9rdidas financieras.<\/p>\n\n\n\n<p>Adem\u00e1s, en algunas ocasiones te podr\u00edan requerir alg\u00fan tipo de seguro por contratos comerciales.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Tabla de contenido<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-para-pequenas-empresas-en-texas\/#%C2%BFQue_es_el_Seguro_para_pequenas_empresas\" >\u00bfQu\u00e9 es el Seguro para peque\u00f1as empresas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-para-pequenas-empresas-en-texas\/#%C2%BFQue_cubre_el_Seguro_para_pequenas_empresas\" >\u00bfQu\u00e9 cubre el Seguro para peque\u00f1as empresas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-para-pequenas-empresas-en-texas\/#Proteccion_para_pequenas_empresas_en_Texas\" >Protecci\u00f3n para peque\u00f1as empresas en Texas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-para-pequenas-empresas-en-texas\/#%C2%BFCual_es_el_costo_del_Seguro_para_pequenas_empresas\" >\u00bfCu\u00e1l es el costo del Seguro para peque\u00f1as empresas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-para-pequenas-empresas-en-texas\/#%C2%BFQue_no_cubre_el_Seguro_para_pequenas_empresas\" >\u00bfQu\u00e9 no cubre el Seguro para peque\u00f1as empresas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-para-pequenas-empresas-en-texas\/#%C2%BFDonde_comprar_un_Seguro_para_pequenas_empresas\" >\u00bfD\u00f3nde comprar un Seguro para peque\u00f1as empresas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-para-pequenas-empresas-en-texas\/#Preguntas_frecuentes\" >Preguntas frecuentes<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_el_Seguro_para_pequenas_empresas\"><\/span><strong>\u00bfQu\u00e9 es el Seguro para peque\u00f1as empresas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El seguro para peque\u00f1as empresas en Texas <strong>protege a tu negocio de p\u00e9rdidas financieras <\/strong>como: accidentes en el local, da\u00f1os a propiedad o ante cualquier otro imprevisto.<\/p>\n\n\n\n<p>Tiene la funci\u00f3n para peque\u00f1as empresas como <strong>una red de seguridad que protege bienes, propiedad e ingresos de tu negocio.<\/strong> La <strong>p\u00f3liza m\u00e1s com\u00fan es due\u00f1o de negocio<\/strong>, <em>Business Owners Policy<\/em>, o BOP por su sigla en ingl\u00e9s. Pues, ofrece las coberturas b\u00e1sicas, incluso propiedad, responsabilidad civil e interrupci\u00f3n de negocio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_el_Seguro_para_pequenas_empresas\"><\/span><strong>\u00bfQu\u00e9 cubre el Seguro para peque\u00f1as empresas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Las <strong>principales coberturas de la p\u00f3liza <em>Business Owners Policy<\/em><\/strong> (BOP) que encuentras en un seguro para peque\u00f1as empresas en Texas son las siguientes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Seguro de propiedad.<\/strong> Te proporciona protecci\u00f3n a los bienes de la propiedad del negocio.<\/li>\n\n\n\n<li><strong>Seguro de responsabilidad civil.<\/strong> Cubre los gastos legales por lesiones de clientes y reclamos de responsabilidad civil.<\/li>\n\n\n\n<li><strong>Seguro de interrupci\u00f3n del negocio.<\/strong> Tienes ayuda al cubrir p\u00e9rdida de ingresos y gastos adicionales derivados de un reclamo cubierto.<\/li>\n\n\n\n<li><strong>Cobertura de aver\u00eda de equipos.<\/strong> Paga las reparaciones a equipos da\u00f1ados por un sobre voltaje u otro riesgo que este cubierto en la p\u00f3liza.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Proteccion_para_pequenas_empresas_en_Texas\"><\/span><strong>Protecci\u00f3n para peque\u00f1as empresas en Texas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u00bfSabes cu\u00e1les son las peque\u00f1as empresas en Texas que pueden adquirir un seguro? Cada uno de los <strong>giros comerciales necesitan personalizar su protecci\u00f3n<\/strong> de acuerdo a las necesidades que se quieren cubrir como en los siguientes negocios:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Servicios de contabilidad.<\/li>\n\n\n\n<li>Barber\u00edas.<\/li>\n\n\n\n<li>Quiropr\u00e1cticos.<\/li>\n\n\n\n<li>Descripci\u00f3n para dentistas.<\/li>\n\n\n\n<li>Alimentos y bebidas.<\/li>\n\n\n\n<li>Salud y medicina.<\/li>\n\n\n\n<li>Servicios legales.<\/li>\n\n\n\n<li>Consultorios m\u00e9dicos.<\/li>\n\n\n\n<li>Fot\u00f3grafos.<\/li>\n\n\n\n<li>Empresas profesionales.<\/li>\n\n\n\n<li>Agentes inmobiliarios.<\/li>\n\n\n\n<li>Minoristas.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_el_costo_del_Seguro_para_pequenas_empresas\"><\/span><strong>\u00bfCu\u00e1l es el costo del Seguro para peque\u00f1as empresas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El costo del seguro va a depender del <strong>tipo de cobertura, tama\u00f1o del negocio, ubicaci\u00f3n y n\u00famero de empleados<\/strong>. Te dejamos un estimado de rangos de precios aproximados:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Responsabilidad general:<\/strong> desde $500 a $1,200 USD al a\u00f1o.<\/li>\n\n\n\n<li><strong>Propiedad comercial:<\/strong> entre $1,000 y $3,000 USD anuales.<\/li>\n\n\n\n<li><strong>BOP (paquete combinado):<\/strong> desde $1,000 USD por a\u00f1o.<\/li>\n\n\n\n<li><strong>Workers\u2019 comp:<\/strong> var\u00eda seg\u00fan el n\u00famero de empleados y el tipo de industria.<\/li>\n<\/ul>\n\n\n\n<p>Puedes solicitar cotizaciones personalizadas en <a href=\"https:\/\/expertoinsurance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experto Insurance<\/a> para conocer el precio real de acuerdo al giro comercial de tu negocio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_no_cubre_el_Seguro_para_pequenas_empresas\"><\/span><strong>\u00bfQu\u00e9 no cubre el Seguro para peque\u00f1as empresas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Conoce cu\u00e1les son las situaciones ante las cuales no estar\u00e1s cubierto, ya que, algunos accidentes pueden ser impredecibles o no est\u00e1n cubiertos por el seguro comercial est\u00e1ndar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inundaciones.<\/li>\n\n\n\n<li>Terremotos.<\/li>\n\n\n\n<li>Agua estancada.<\/li>\n<\/ul>\n\n\n\n<p>Las inundaciones, sismos y agua estancada\/alcantarillado generalmente son excluidos del seguro de propietarios de negocio. Para no llevarte sorpresas, inf\u00f3rmate con alg\u00fan agente de seguros sobre la p\u00f3liza y tengas las coberturas necesarias para cualquier desaf\u00edo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFDonde_comprar_un_Seguro_para_pequenas_empresas\"><\/span><strong>\u00bfD\u00f3nde comprar un Seguro para peque\u00f1as empresas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Puedes adquirir tu seguro para peque\u00f1as empresas en cotizadores en l\u00ednea para que puedas ver las opciones disponibles.<\/p>\n\n\n\n<p>Si tienes un negocio y quieres buscar una protecci\u00f3n ideal para proteger tu patrimonio, te ayudamos a encontrar el seguro ideal para ti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span><strong>Preguntas frecuentes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>\u00bfQu\u00e9 pasa si no tengo seguro para mi empresa en Texas?<\/strong><\/p>\n\n\n\n<p>Aunque no todos los seguros son obligatorios, tener cobertura te da estabilidad y respaldo.<\/p>\n\n\n\n<p><strong>\u00bfPuedo deducir el costo del seguro de mi empresa en impuestos?<\/strong><\/p>\n\n\n\n<p>S\u00ed, la mayor\u00eda de los seguros comerciales son deducibles como gastos operativos en tu declaraci\u00f3n fiscal.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/expertoinsurance.com\/seguro-comercial\/\">\u00a1Cotiza ahora!<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tener un negocio propio implica riesgos de da\u00f1os a la propiedad hasta accidentes con empleados o clientes. El seguro para [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":1872,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[148],"tags":[151],"class_list":["post-1871","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguro-empresarial","tag-seguro-para-negocios-pequenos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Seguro para peque\u00f1as empresas en Texas<\/title>\r\n<meta name=\"description\" content=\"El seguro para peque\u00f1as empresas en Texas te ayuda a cubrir riesgos y evitar p\u00e9rdidas financieras para tu negocio.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" 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