¿Cómo administrar las alzas en el costo de seguros?
Jurisdiction | Chile |
Law Firm | Garnham Abogados |
Published date | 30 September 2020 |
Durante 2020 se han observado importantes aumentos de costo en casi todas las líneas de seguros. Hay varias opciones para mitigar estas alzas.
Por Rodrigo Levy, Senior Consultant Garnham Abogados
1.- Generar un ambiente competitivo en el proceso de renovación de las pólizas: ello implica obtener propuestas de diferentes oferentes, tanto de Corredores como de Compañías de seguro.
2.- Evaluar un incremento en la retención del riesgo vía mayores deducibles, como asimismo estudiar la posibilidad de ajustar los límites de cobertura general y/o límites particulares en función del apetito del riesgo.
3.- Considerar la opción de coaseguro o incluso auto seguro, es decir, afrontar con recursos propios la eventual ocurrencia de pérdidas por siniestros, ya sea parcial o totalmente. Lo anterior, previa revisión actualizada de la condición de riesgo, la capacidad de gestionar dichos riesgos y la situación financiera de la empresa.
4.- El establecimiento de una cautiva de seguros, ya sea propia o compartida con terceros, es una forma eficiente de auto seguro. Esta herramienta...
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