Personal insurance can include coverage for cars, homes, health, life, and public liability, among others, protecting your assets and well-being against unforeseen events.
Some insurances are mandatory, such as car insurance, while others, like home or health insurance, are optional but highly recommended for your protection.
Commercial insurance protects your company against financial losses resulting from property damage, lawsuits, business interruptions, and other operational risks.
Some coverages, such as public liability insurance and workers' compensation, may be required depending on the type of business and the number of employees.
Generally, it covers property damage, civil liability, and losses due to business interruption. Depending on the sector, specific coverages can be added.
Mandatory insurance only covers damages to third parties in accidents, while full cover insurance can include damages to your own vehicle, theft, vandalism, and other additional benefits.
Yes, the law requires mandatory liability insurance for all vehicles registered on the island. You can also opt for additional coverages for greater protection.
You should notify your insurer immediately and/or your authorized representative at SEGUROS.PR, gather information about the incident, and file a report if necessary. The company will guide you through the claims process.
Not always. Content coverage is optional and must be added to the policy if you want to protect furniture, equipment, and other goods inside the property.
Supplemental insurance offers additional coverage to your main policy, helping to cover medical expenses, deductibles, or events not included in your base insurance.
A package insurance combines several coverages into a single policy, offering comprehensive protection, simplifying insurance management, and obtaining additional discounts on your policies.
Public liability insurance protects businesses and individuals against claims of bodily injury or property damage suffered by third parties due to your activities or on your premises.
While not legally required for all businesses, certain industries and contracts may mandate public liability coverage to operate or to enter into agreements.
Any business that interacts with the public, such as retail stores, restaurants, contractors, and service providers, should consider public liability insurance to safeguard against potential claims.
Professional liability insurance protects professionals against claims of negligence, errors, or omissions made by clients resulting from their services or advice.
Professionals such as doctors, lawyers, accountants, engineers, realtors, psychologists, architects, and others who provide specialized services or advice should consider this coverage.
A surety bond is a financial guarantee that ensures the fulfillment of contractual obligations, protecting against losses if the principal fails to meet the terms.
Individuals or businesses entering into contracts, especially in construction, legal, or governmental sectors, may be required to obtain a surety bond.
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