¿Por qué cabe esperar costos crecientes en las coberturas de seguros?
Jurisdiction | Chile |
Law Firm | Garnham Abogados |
Published date | 21 September 2020 |
El mercado del seguro, después de muchos años ha vuelto a endurecerse. Las compañías de seguros están enfrentando un escenario de incremento del riesgo y siniestralidad a nivel planetario y local, lo que combinado con menores ingresos financieros por las bajas en las tasas de interés, han redundado en alzas importantes en las primas de seguros, de magnitudes no vistas en los últimos 19 años.
Por Rodrigo Levy, Senior Consultant Garnham Abogados
Las aseguradoras y reaseguradoras a nivel mundial se han visto afectadas en el último año y medio por una alta siniestralidad, principalmente por desastres naturales con impactos cada vez más frecuentes y de mayor severidad, incremento relevante de episodios de desorden civil y, judicialización creciente de siniestros de responsabilidad civil.
En adición a lo anterior, el efecto COVID-19, si bien hasta el momento ha tenido un impacto financiero limitado en el mercado asegurador debido a las exclusiones en la mayoría de las pólizas, su inesperada ocurrencia ha obligado a las compañías de seguros a tener un enfoque más conservador y revisar los textos de las pólizas hacia coberturas aún más restrictivas.
Por último, las bajas de las tasas de interés a niveles reales negativos para contrarrestar los efectos de la pandemia, han afectado los ingresos financieros de las compañías, principal fuente de la...
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