{"id":1942,"date":"2022-11-28T10:29:55","date_gmt":"2022-11-28T09:29:55","guid":{"rendered":"https:\/\/sermaseguros.es\/?p=1942"},"modified":"2022-11-28T10:29:56","modified_gmt":"2022-11-28T09:29:56","slug":"asseguranca-de-caucio","status":"publish","type":"post","link":"https:\/\/sermaseguros.es\/ca\/asseguranca-de-caucio\/","title":{"rendered":"Asseguran\u00e7a de cauci\u00f3."},"content":{"rendered":"\n<p><strong><a href=\"https:\/\/sermaseguros.es\/ca\/assegurances-empreses\/\">Qu\u00e8 \u00e9s una asseguran\u00e7a de cauci\u00f3?<\/a><\/strong><\/p>\n\n\n\n<p>L&#8217;Asseguran\u00e7a de Cauci\u00f3 \u00e9s aquella pel qual l&#8217;assegurador (la companyia) s&#8217;obliga, en cas d&#8217;incompliment de les obligacions legals i\/o contractuals del prenedor de l\u2019asseguran\u00e7a (client), a indemnitzar a l&#8217;assegurat (beneficiari), a t\u00edtol de rescabalament o penalitat, els danys patrimonials soferts dins dels l\u00edmits establerts en la llei o en el contracte.<\/p>\n\n\n\n<p><strong>Per a qu\u00e8 serveix una asseguran\u00e7a de cauci\u00f3?<\/strong><\/p>\n\n\n\n<p>L&#8217;Asseguran\u00e7a de Cauci\u00f3 s&#8217;utilitza per a cobrir normalment garanties t\u00e8cniques. S&#8217;ent\u00e9n per garanties t\u00e8cniques quan s&#8217;est\u00e0 garantint l&#8217;incompliment per part del prenedor d&#8217;obligacions legals o contractuals (execuci\u00f3 d&#8217;obres, serveis, subministraments, etc.).<\/p>\n\n\n\n<p>L&#8217;asseguran\u00e7a de Cauci\u00f3 no cobreix garantir deutes de comprom\u00eds de pagament a prove\u00efdors, aquest tipus d&#8217;asseguran\u00e7a est\u00e0 dins del ram de l&#8217;asseguran\u00e7a de Cr\u00e8dit i tampoc cobreix les garanties que sol\u00b7liciten les entitats financeres per cr\u00e8dits o pr\u00e9stecs.<\/p>\n\n\n\n<p><strong>Resumint:<\/strong> <a href=\"https:\/\/sermaseguros.es\/ca\/assegurances-empreses\/\">L&#8217;asseguran\u00e7a de cauci\u00f3<\/a> cobreix els danys a tercers ocasionats per l&#8217;incompliment d&#8217;una obligaci\u00f3 contractual concreta; \u00e9s a dir, \u00e9s \u00fatil per a garantir el compliment de les obligacions no financeres derivades de contractes i de lleis.<\/p>\n\n\n\n<p><br>Per tant, l&#8217;asseguran\u00e7a de cauci\u00f3 pot utilitzar-se empresarialment amb finalitats similars als d&#8217;un aval bancari.<\/p>\n\n\n\n<p>Aquests s\u00f3n els beneficis de contractar una asseguran\u00e7a de cauci\u00f3 en lloc d&#8217;optar per l&#8217;aval del banc:<\/p>\n\n\n\n<p><br>\u2022 L&#8217;asseguran\u00e7a de cauci\u00f3 no s&#8217;inclou en el balan\u00e7 com un passiu de l&#8217;empresa<br>\u2022 \u00c9s una despesa dedu\u00efble<br>\u2022 No requereix immobilitzacions d&#8217;efectiu, una cosa freq\u00fcent en els avals bancaris<br>\u2022 No consta en la base de dades&nbsp;CIRBE&nbsp;(Central d&#8217;Informaci\u00f3 de Riscos del Banc d&#8217;Espanya)<br>\u2022 Resulta notablement m\u00e9s econ\u00f2mic que un aval bancari<\/p>\n\n\n\n<p><br><strong>Com triar la millor asseguran\u00e7a de cauci\u00f3?<\/strong><\/p>\n\n\n\n<p><br>No recomanem acudir a entitats financeres a la recerca d&#8217;aquest assessorament, ja que a part de que no solen disposar de professionals amb preparaci\u00f3 espec\u00edfica, el seu producte preferencial \u00e9s l&#8217;aval bancari, per la qual cosa probablement intentaran conv\u00e8ncer-nos de la idone\u00eftat d&#8217;aquest enfront de l&#8217;asseguran\u00e7a de cauci\u00f3.<br>Haurem de posar-nos en mans d&#8217;una corredoria de la m\u00e0xima solv\u00e8ncia i que estigui especialitzada en aquesta mena de producte assegurador.<br>Una vegada coneixem la tipologia i situaci\u00f3 del vostre negoci o empresa, els esborranys dels contractes i les nostres necessitats concretes, us realitzarem la proposta m\u00e9s adequada perqu\u00e8 pugueu cobrir-vos l&#8217;esquena davant qualsevol incompliment contractual imprevist.<\/p>\n\n\n\n<p><br><a href=\"https:\/\/sermaseguros.es\/ca\/contactans\/\">Posa&#8217;t en contacte amb nosaltres<\/a> i t&#8217;assessorarem en la millor asseguran\u00e7a de Cauci\u00f3.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Asseguran\u00e7a de cauci\u00f3.<\/p>\n","protected":false},"author":2,"featured_media":1937,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[63,64,62],"tags":[39,27,28,57,56],"class_list":["post-1942","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances","category-empresa-assegurances","category-historia","tag-asseguranca","tag-assegurances","tag-empresa","tag-gerents","tag-responsabilitat-civil"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.6.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Asseguran\u00e7a de cauci\u00f3. - Serma<\/title>\n<meta name=\"description\" content=\"Asseguran\u00e7a de cauci\u00f3. 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