{"id":98102,"date":"2015-07-10T10:36:33","date_gmt":"2015-07-10T10:36:33","guid":{"rendered":"https:\/\/farmerbrown.com\/staging2026\/servicios-seguros\/inland-marine\/"},"modified":"2026-05-04T11:47:15","modified_gmt":"2026-05-04T16:47:15","slug":"seguro-para-herramientas","status":"publish","type":"page","link":"https:\/\/farmerbrown.com\/es\/servicios-seguros\/seguro-para-herramientas\/","title":{"rendered":"Inland Marine"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"98102\" class=\"elementor elementor-98102 elementor-2618\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4acdccd5 e-flex e-con-boxed e-con e-parent\" data-id=\"4acdccd5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e521477 elementor-widget elementor-widget-heading\" data-id=\"5e521477\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Seguro Inland Marine<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69d73111 elementor-widget elementor-widget-heading\" data-id=\"69d73111\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfNecesita seguro?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a2bf446 elementor-widget elementor-widget-heading\" data-id=\"7a2bf446\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Llame al\n<a href=\"tel:8889730016\"><span style=\"color:#E2814D\">(888) 973-0016<\/a> \u00a1Aseg\u00farese hoy!\n<\/span><\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47a677 e-grid e-con-full e-con e-child\" data-id=\"47a677\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d82dd10 elementor-widget elementor-widget-button\" data-id=\"d82dd10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#get_quote\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cotizacion Gratis<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-320fc59a elementor-widget elementor-widget-button\" data-id=\"320fc59a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:8889730016\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Atenci\u00f3n al Cliente<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dcfe77a e-flex e-con-boxed e-con e-parent\" data-id=\"dcfe77a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6261ce14 e-flex e-con-boxed e-con e-parent\" data-id=\"6261ce14\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4cf88097 e-con-full e-flex e-con e-child\" data-id=\"4cf88097\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52338a50 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"52338a50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/calendly.com\/d\/cv2k-z53-hmq\/15-minute-meeting\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-headset\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M192 208c0-17.67-14.33-32-32-32h-16c-35.35 0-64 28.65-64 64v48c0 35.35 28.65 64 64 64h16c17.67 0 32-14.33 32-32V208zm176 144c35.35 0 64-28.65 64-64v-48c0-35.35-28.65-64-64-64h-16c-17.67 0-32 14.33-32 32v112c0 17.67 14.33 32 32 32h16zM256 0C113.18 0 4.58 118.83 0 256v16c0 8.84 7.16 16 16 16h16c8.84 0 16-7.16 16-16v-16c0-114.69 93.31-208 208-208s208 93.31 208 208h-.12c.08 2.43.12 165.72.12 165.72 0 23.35-18.93 42.28-42.28 42.28H320c0-26.51-21.49-48-48-48h-32c-26.51 0-48 21.49-48 48s21.49 48 48 48h181.72c49.86 0 90.28-40.42 90.28-90.28V256C507.42 118.83 398.82 0 256 0z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Agenda una cita de 15 min. con uno de nuestros expertos!\u200b<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b0df27f e-con-full e-flex e-con e-child\" data-id=\"5b0df27f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39afc148 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"39afc148\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/farmerbrown.com\/personal-auto-home-form\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Preg\u00fantame sobre Seguros de Auto Personal \/ Hogar<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ada70c0 e-flex e-con-boxed e-con e-parent\" data-id=\"ada70c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a958d5a e-con-full e-flex e-con e-child\" data-id=\"a958d5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8eabafa elementor-widget elementor-widget-heading\" data-id=\"8eabafa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Seguro Para Herramientas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8b79ad elementor-widget elementor-widget-text-editor\" data-id=\"d8b79ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Se necesita algo m\u00e1s que un seguro de bienes si tiene art\u00edculos valiosos en tr\u00e1nsito y se pierden o da\u00f1an. La cobertura del seguro para herramientas llenar\u00e1 este vac\u00edo, ya que est\u00e1 dise\u00f1ada para proteger sus herramientas y materiales mientras est\u00e1n en tr\u00e1nsito.<\/p><p>Por ejemplo, como contratista, el seguro para herramientas cubrir\u00e1 su equipo desde su lugar de trabajo hasta su obra. A diferencia del seguro de propiedad, s\u00f3lo cubrir\u00e1 sus art\u00edculos en un lugar fijo como su negocio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c97c5d e-con-full e-flex e-con e-child\" data-id=\"0c97c5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef22641 elementor-widget elementor-widget-video\" data-id=\"ef22641\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/ryQCTZVFx2Q?si=JX0p6-0vQ-ELAIWe&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-353b4727 e-flex e-con-boxed e-con e-parent\" data-id=\"353b4727\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb90757 elementor-widget elementor-widget-heading\" data-id=\"eb90757\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obtenga Una Cotizaci\u00f3n de Seguro Para Herramientas\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-307c647 elementor-widget elementor-widget-shortcode\" data-id=\"307c647\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"get_quote\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id='wufoo-zfol0ty1d7absm'>\nFill out my <a href='https:\/\/contractorsliability.wufoo.com\/forms\/zfol0ty1d7absm'>online form<\/a>.\n<\/div>\n<script type='text\/javascript'>var zfol0ty1d7absm;(function(d, t) {\nvar s = d.createElement(t), options = {\n'userName'      : 'contractorsliability',    \n'formHash'      : 'zfol0ty1d7absm',    \n'autoResize'    :  true,   \n'height'        : '1394',      \n'async'         :  true,          \n'header'        : 'hide',      \n'host'          : 'wufoo.com',    \n'entSource'     : 'wordpress',   \n'defaultValues' : ''     \n,'ssl'          :  1           };\ns.src = ('https:' == d.location.protocol ? 'https:\/\/' : 'http:\/\/') + 'secure.wufoo.com\/scripts\/embed\/form.js';\ns.onload = s.onreadystatechange = function() {\nvar rs = this.readyState; if (rs) if (rs != 'complete') if (rs != 'loaded') return;\ntry { zfol0ty1d7absm = new WufooForm();zfol0ty1d7absm.initialize(options);zfol0ty1d7absm.display(); } catch (e) {}}\nvar scr = d.getElementsByTagName(t)[0], par = scr.parentNode; par.insertBefore(s, scr);\n})(document, 'script');<\/script> <noscript> <iframe height=\"1394\" allowTransparency=\"true\" sandbox=\"allow-top-navigation allow-scripts allow-popups allow-forms allow-same-origin allow-popups-to-escape-sandbox\" frameborder=\"0\" scrolling=\"no\" style=\"width:100%;border:none;\"src=\"https:\/\/contractorsliability.wufoo.com\/embed\/zfol0ty1d7absm?entsource=wordpress\"><a href=\"https:\/\/contractorsliability.wufoo.com\/forms\/zfol0ty1d7absm?entsource=wordpress\" rel=\"nofollow\">Fill out my Wufoo form!<\/a><\/iframe> <\/noscript><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-406e6d0e e-flex e-con-boxed e-con e-parent\" data-id=\"406e6d0e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bc2f60 elementor-widget elementor-widget-heading\" data-id=\"6bc2f60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es el Seguro Para Herramientas?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ad2023 elementor-widget elementor-widget-text-editor\" data-id=\"1ad2023\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La cobertura del seguro para herramientas es una modalidad de seguro que protege e indemniza por p\u00e9rdidas, da\u00f1os o gastos ocasionados por el robo o el da\u00f1o accidental de sus bienes en tr\u00e1nsito por tierra, aire o mar. Hoy en d\u00eda, su p\u00f3liza puede incluir cualquier medio de transporte.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccf6f83 elementor-widget elementor-widget-image\" data-id=\"ccf6f83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"686\" height=\"568\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3320.png\" class=\"attachment-large size-large wp-image-83163\" alt=\"Cobertura del seguro Inland Marine; Perdidas, da\u00f1os, gastos\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3320.png 686w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3320-300x248.png 300w\" sizes=\"(max-width: 686px) 100vw, 686px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61404f0 elementor-widget elementor-widget-text-editor\" data-id=\"61404f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Las p\u00f3lizas de seguro para herramientas suelen utilizarse para reparar o sustituir art\u00edculos por parte de quienes transportan mercanc\u00edas por cami\u00f3n o ferrocarril, pero existen excepciones. Esta p\u00f3liza, puede cubrir una gran variedad de situaciones. Por ejemplo, si usted tiene mercanc\u00edas almacenadas y alguien las da\u00f1a, o si un env\u00edo se retrasa debido a las condiciones meteorol\u00f3gicas, este tipo de seguro puede ayudarle a recuperarse de la p\u00e9rdida econ\u00f3mica.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b309267 elementor-widget elementor-widget-image\" data-id=\"b309267\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"438\" height=\"273\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3322.png\" class=\"attachment-large size-large wp-image-83165\" alt=\"La poliza de Inland Marine se usa para almacenar, transportar y retraso.\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3322.png 438w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3322-300x187.png 300w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3322-400x250.png 400w\" sizes=\"(max-width: 438px) 100vw, 438px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d336238 elementor-widget elementor-widget-heading\" data-id=\"d336238\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1nto cuesta el Seguro Para Herramientas?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24cee26 elementor-widget elementor-widget-text-editor\" data-id=\"24cee26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Los costes depender\u00e1n del valor del equipo cubierto, el estado, el historial de siniestros y cr\u00e9ditos de la compa\u00f1\u00eda y otros factores relacionados. La prima m\u00ednima est\u00e1ndar para los planes seguro para herramientas es de 500 d\u00f3lares. Sin embargo, con un deducible de 1.000 d\u00f3lares, este seguro suele costar 800 d\u00f3lares anuales para asegurar 100.000 d\u00f3lares en bienes cubiertos, lo que equivale a 0,80 d\u00f3lares por cada 100 d\u00f3lares de cobertura.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b0981f elementor-widget elementor-widget-image\" data-id=\"5b0981f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"428\" height=\"251\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3324.png\" class=\"attachment-large size-large wp-image-83168\" alt=\"Costo de la poliza inland marine.\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3324.png 428w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3324-300x176.png 300w\" sizes=\"(max-width: 428px) 100vw, 428px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a945d63 e-flex e-con-boxed e-con e-parent\" data-id=\"a945d63\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d946daa elementor-widget elementor-widget-heading\" data-id=\"d946daa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 Cubre el Seguro Para Herramientas?\n<div><\/div><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-028b4e5 elementor-widget elementor-widget-text-editor\" data-id=\"028b4e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Los bienes asegurados bajo esta cobertura suelen estar en tr\u00e1nsito, en manos de un comodatario, en un lugar fijo que sirve como medio de transporte, o un tipo de bienes m\u00f3viles. Adem\u00e1s, si los bienes entran en una de las cuatro categor\u00edas siguientes, la p\u00f3liza los cubrir\u00e1:<\/p>\n\n<ul class=\"mainBulletList\">\n    <li><strong>Individual or Personal Property:<\/strong> Cubre art\u00edculos personales de alto valor, incluyendo joyas, cosm\u00e9ticos y electr\u00f3nicos.<\/li>\n    <li><strong>Commercial Property:<\/strong> Cualquier bien utilizado para operaciones comerciales, como computadoras, muebles, prensas de impresi\u00f3n, equipo de te\u00f1ido y fotocopiadoras.<\/li>\n    <li><strong>Domestic Property:<\/strong> Todos los bienes que son transportados por cami\u00f3n, tren o barco dentro del territorio nacional.<\/li>\n    <li><strong>Imports\/Exports:<\/strong> Se refiere a todas las mercanc\u00edas y bienes que se transportan de una naci\u00f3n a otra.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68f1977 elementor-widget elementor-widget-image\" data-id=\"68f1977\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"480\" height=\"548\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3326.png\" class=\"attachment-large size-large wp-image-83170\" alt=\"Bienes cubiertos por inland marine espa\u00f1ol.\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3326.png 480w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3326-263x300.png 263w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90eeb17 elementor-widget elementor-widget-text-editor\" data-id=\"90eeb17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cuando se trabaja fuera de la empresa, su p\u00f3liza de propietarios comerciales no siempre protege sus herramientas y equipos de oficina, incluidos los ordenadores, lo que puede poner en peligro a su empresa. El seguro para herramientas est\u00e1 dise\u00f1ado para cubrir la mayor\u00eda de los bienes de la empresa, incluidas las herramientas y los equipos de los contratistas, as\u00ed como los bienes de terceros.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d067edc elementor-widget elementor-widget-image\" data-id=\"d067edc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"588\" height=\"158\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3328.png\" class=\"attachment-large size-large wp-image-83172\" alt=\"Seguro de inland tambi\u00e9n cubre.\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3328.png 588w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3328-300x81.png 300w\" sizes=\"(max-width: 588px) 100vw, 588px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5983f3c elementor-widget elementor-widget-text-editor\" data-id=\"5983f3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Los objetos cubiertos por la cobertura de este seguro s\u00f3lo se enumeran parcialmente a continuaci\u00f3n. Aun as\u00ed, puede examinar f\u00e1cilmente qu\u00e9 tipos de productos suelen estar cubiertos utilizando la lista:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40ba4ab elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"40ba4ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Grandes herramientas y equipos para los constructores y la construcci\u00f3n.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">El equipo utilizado en las f\u00e1bricas.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Herramientas para el diagn\u00f3stico m\u00e9dico.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Paneles solares.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Equipos relacionados con la m\u00fasica y el cine.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pinturas y artes pl\u00e1sticas.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Los activos con numerosas ubicaciones tambi\u00e9n est\u00e1n cubiertos.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9eace1c elementor-widget elementor-widget-image\" data-id=\"9eace1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"626\" height=\"407\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3330.png\" class=\"attachment-large size-large wp-image-83174\" alt=\"Que objetos cubre inland marine.\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3330.png 626w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3330-300x195.png 300w\" sizes=\"(max-width: 626px) 100vw, 626px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7840dcf elementor-widget elementor-widget-text-editor\" data-id=\"7840dcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_8  et_pb_text_align_left et_pb_bg_layout_light\"><div class=\"et_pb_text_inner\"><p>Estas p\u00f3lizas, a veces denominadas \u201cflotantes\u201d, ofrecen protecci\u00f3n independientemente del lugar en el que se encuentren los bienes cubiertos. Esta cobertura protege los bienes de alto valor que los planes de seguro de propiedad est\u00e1ndar no cubrir\u00edan. En lugar de identificar los objetos de alto valor individualmente, esta cobertura puede ofrecer una protecci\u00f3n general.<\/p><p>La mejor manera de proteger los bienes m\u00e1s valiosos es con un plan personal de seguro para herramientas. Porque, bas\u00e1ndose en un valor acordado, esta cobertura puede salvaguardar cuando se produce un siniestro, de modo que el titular de la p\u00f3liza recibe una compensaci\u00f3n en lugar de intentar reemplazar el art\u00edculo.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad896e2 elementor-widget elementor-widget-image\" data-id=\"ad896e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"510\" height=\"249\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3332.png\" class=\"attachment-large size-large wp-image-83176\" alt=\"Un plan personal de seguro con Inland Marine.\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3332.png 510w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3332-300x146.png 300w\" sizes=\"(max-width: 510px) 100vw, 510px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a6fcff elementor-widget elementor-widget-text-editor\" data-id=\"0a6fcff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En Estados Unidos, la cobertura de seguro para herramientas compensa las p\u00e9rdidas de equipos y otros tipos de bienes de los que se habla en este art\u00edculo. Normalmente, las compa\u00f1\u00edas de seguros cubren la carga en viajes internacionales por mar, ofreciendo cobertura o protecci\u00f3n contra riesgos. Estos riesgos pueden ser da\u00f1os o p\u00e9rdidas f\u00edsicas (a menos que se especifique en la p\u00f3liza). A cobertura tambi\u00e9n se le conoce como flotante, ya que el seguro se utiliza para cubrir bienes que est\u00e1n literalmente y esencialmente flotando.<\/p><p>Seg\u00fan la <a href=\"https:\/\/www.britannica.com\/money\/insurance\">Enciclopedia Brit\u00e1nica<\/a>, \u201caunque no hay formularios est\u00e1ndar en los seguros de navegaci\u00f3n interior, la mayor\u00eda de los contratos siguen un patr\u00f3n t\u00edpico\u201d. Suelen hacerse sobre la base de un riesgo nombrado con cobertura para los peligros del transporte, como desastres naturales, colisiones o descarrilamientos. La p\u00f3liza no cubre las p\u00e9rdidas causadas por huelgas o disturbios, guerras, retrasos en las entregas o env\u00edos, comercio ilegal o roturas o fugas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06e2c5e elementor-widget elementor-widget-image\" data-id=\"06e2c5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"514\" height=\"578\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3334.png\" class=\"attachment-large size-large wp-image-83178\" alt=\"lista de Inland Marine no cubre perdidas por.\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3334.png 514w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3334-267x300.png 267w\" sizes=\"(max-width: 514px) 100vw, 514px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a0739f e-flex e-con-boxed e-con e-parent\" data-id=\"2a0739f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-813b3c0 elementor-widget elementor-widget-heading\" data-id=\"813b3c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">El Seguro Para Herramientas y Los Contratistas Generales<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb33f2d elementor-widget elementor-widget-text-editor\" data-id=\"bb33f2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La cobertura del seguro para herramientas es tan esencial para los expertos en construcci\u00f3n como para otros propietarios de empresas. Protege a los profesionales de la contrataci\u00f3n y sus bienes en movimiento. Como contratista general o profesional de la construcci\u00f3n, debe realizar regularmente sus tareas, que suelen implicar el transporte de equipos, herramientas y materiales de construcci\u00f3n hasta el lugar de la obra. Mientras su empresa tiene bienes de gran valor en tr\u00e1nsito, el seguro garantiza su sustituci\u00f3n en caso de accidente, robo o p\u00e9rdida durante el viaje. Tambi\u00e9n puede cubrir las herramientas y el equipo que su equipo lleva consigo al realizar sus tareas.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac81990 elementor-widget elementor-widget-image\" data-id=\"ac81990\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"628\" height=\"169\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3336.png\" class=\"attachment-large size-large wp-image-83180\" alt=\"El seguro de Inland Marine tambi\u00e9n cubre.\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3336.png 628w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3336-300x81.png 300w\" sizes=\"(max-width: 628px) 100vw, 628px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99184c2 elementor-widget elementor-widget-heading\" data-id=\"99184c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfPor qu\u00e9 elegir Farmer Brown Insurance?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3db106 elementor-widget elementor-widget-text-editor\" data-id=\"e3db106\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Como contratista general o subcontratista, debe asegurarse de que la definici\u00f3n del proveedor del seguro para herramientas se corresponde con sus necesidades de cobertura antes de obtener esta. Ser\u00eda ideal saber de antemano si su cobertura s\u00f3lo cubre una disposici\u00f3n espec\u00edfica de su p\u00f3liza acordada.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9d0db6 elementor-widget elementor-widget-image\" data-id=\"e9d0db6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:8889730016\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"566\" height=\"205\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3338.png\" class=\"attachment-large size-large wp-image-83182\" alt=\"Farmer brown&#039;s contact information, Spanish.\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3338.png 566w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2025\/05\/Frame-3338-300x109.png 300w\" sizes=\"(max-width: 566px) 100vw, 566px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3d5347 elementor-widget elementor-widget-text-editor\" data-id=\"f3d5347\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_12  et_pb_text_align_left et_pb_bg_layout_light\"><div class=\"et_pb_text_inner\"><p>Adem\u00e1s, debe consultar a un experto en seguros para asegurarse de que cumpla todos los requisitos de su proyecto de construcci\u00f3n y de que est\u00e9 adecuadamente cubierto.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49afcc5e e-flex e-con-boxed e-con e-parent\" data-id=\"49afcc5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71fcc18e elementor-widget elementor-widget-heading\" data-id=\"71fcc18e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Preguntas Frecuentes Sobre el Seguro Para Herramientas\n<div><\/div><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3270369 elementor-widget elementor-widget-n-accordion\" data-id=\"3270369\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5280\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-5280\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfPor qu\u00e9 necesita esta cobertura? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5280\" class=\"elementor-element elementor-element-44fb1320 e-con-full e-flex e-con e-child\" data-id=\"44fb1320\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30cf002b elementor-widget elementor-widget-text-editor\" data-id=\"30cf002b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Los propietarios de empresas necesitan un seguro para herramientas, porque las p\u00f3lizas de seguro de propiedad no siempre cubren el equipo y las herramientas. Esto puede poner a la empresa en riesgo de incurrir en p\u00e9rdidas econ\u00f3micas importantes. Los propietarios de empresas necesitan encontrar la p\u00f3liza de seguro m\u00e1s adecuada que cubra casi todos los art\u00edculos enviados temporalmente o en tr\u00e1nsito desde el lugar. Podemos ayudarle a encontrar muchos servicios que pueden ofrecerle p\u00f3lizas que se ajusten a las necesidades de su empresa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5281\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5281\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfCu\u00e1ndo es necesario el seguro para herramientas? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5281\" class=\"elementor-element elementor-element-3a8d786 e-con-full e-flex e-con e-child\" data-id=\"3a8d786\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1dc228 elementor-widget elementor-widget-text-editor\" data-id=\"a1dc228\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Muchas p\u00f3lizas de seguro para herramnetasr s\u00f3lo cubren algunos de los art\u00edculos que se encuentran temporalmente fuera de las instalaciones o los bienes en tr\u00e1nsito. He aqu\u00ed un ejemplo de una situaci\u00f3n en la que una empresa necesita un seguro de este tipo:<br \/>Usted es un contratista general que realiza obras de construcci\u00f3n para sus clientes. Tiene art\u00edculos y materiales relacionados con la construcci\u00f3n, como vidrio, productos qu\u00edmicos y acero, que necesita instalar en la propiedad. Estos bienes necesitan trasladarse al lugar donde se va a realizar la obra civil. En este caso, necesita un seguro mar\u00edtimo interior que cubra los costes de sustituci\u00f3n si los materiales se da\u00f1an durante el transporte.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5282\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5282\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfCu\u00e1les son las ventajas de este seguro? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5282\" class=\"elementor-element elementor-element-c83bfe5 e-con-full e-flex e-con e-child\" data-id=\"c83bfe5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea7f75 elementor-widget elementor-widget-text-editor\" data-id=\"4ea7f75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul class=\"checkList\"><li>Los agentes tienen toda la informaci\u00f3n sobre las leyes de compensaci\u00f3n para que usted pueda entender las complejidades que conlleva.<\/li><li>Cubre el seguro de veh\u00edculo comercial que le protege contra los accidentes y los grandes siniestros durante las actividades comerciales.<\/li><li>Le ahorra tiempo y dinero, ya que la compa\u00f1\u00eda de seguros se ocupa de todos los asuntos y supera las situaciones dif\u00edciles.<\/li><li>Le dar\u00e1 tranquilidad, ya que no tendr\u00e1 que preocuparse de que sus art\u00edculos se pierdan durante el transporte o se da\u00f1en, algo muy habitual.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5283\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5283\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfCu\u00e1l es la diferencia entre Builder's Risk y Seguro para herramientas? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5283\" class=\"elementor-element elementor-element-e44d805 e-con-full e-flex e-con e-child\" data-id=\"e44d805\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-811906d elementor-widget elementor-widget-text-editor\" data-id=\"811906d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ambas p\u00f3lizas pueden fusionarse y adaptarse a sus necesidades espec\u00edficas. Aun as\u00ed, la principal diferencia es que el seguro Builder\u2019s risk cubre los bienes inmuebles, como los edificios en construcci\u00f3n.<\/p><p>Builder\u2019s risk es un seguro de propiedad \u00fanico que protege a los contratistas contra p\u00e9rdidas financieras derivadas de da\u00f1os a los edificios en construcci\u00f3n. Suele incluirse en una p\u00f3liza de seguro para herramientas<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49e6f571 e-con-full e-flex e-con e-parent\" data-id=\"49e6f571\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37ce4fe3 elementor-widget elementor-widget-template\" data-id=\"37ce4fe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"97089\" class=\"elementor elementor-97089\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-160091c8 e-flex e-con-boxed e-con e-parent\" data-id=\"160091c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-28cc15cb e-con-full e-flex e-con e-child\" data-id=\"28cc15cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ad256be elementor-widget elementor-widget-image\" data-id=\"3ad256be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"959\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es-854x1024.png\" class=\"attachment-large size-large wp-image-97073\" alt=\"handyman workers compensation seguro para contratistas ebook\" srcset=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es-854x1024.png 854w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es-250x300.png 250w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es-768x921.png 768w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es-1280x1536.png 1280w, https:\/\/farmerbrown.com\/wp-content\/uploads\/2026\/04\/wc-ebook-cover-es.png 1667w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65f878f2 e-con-full e-flex e-con e-child\" data-id=\"65f878f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fb6cf9 elementor-widget elementor-widget-heading\" data-id=\"6fb6cf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obtenga el ebook ahora<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf318d elementor-widget elementor-widget-text-editor\" data-id=\"1cf318d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Todo lo que necesita saber sobre los seguros para contratistas est\u00e1 aqu\u00ed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5128689b elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"5128689b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/contractorsliability.com\/es\/ebook\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">L\u00e9alo ahora<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-173d00a7 e-con-full e-flex e-con e-parent\" data-id=\"173d00a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19bba732 elementor-widget elementor-widget-template\" data-id=\"19bba732\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"97096\" class=\"elementor elementor-97096\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71919bbf e-con-full e-flex e-con e-parent\" 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San Antonio, TX, 78258<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2872051a elementor-widget__width-initial elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"2872051a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/farmerbrown.com?page_id=2613\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"90\" height=\"79\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2023\/05\/Frequently-Asked-Questions-icon.png\" class=\"attachment-full size-full wp-image-72120\" alt=\"Frequently Asked Questions icon\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/farmerbrown.com?page_id=2613\">Preguntas Frecuentes<\/a><\/h3><p class=\"elementor-image-box-description\">Un lugar donde encontrar todas las respuestas<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21d18a71 elementor-widget__width-initial elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"21d18a71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/farmerbrown.com?page_id=173\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"68\" height=\"75\" src=\"https:\/\/farmerbrown.com\/wp-content\/uploads\/2023\/05\/Talk-With-An-Agent-Now-icon.png\" class=\"attachment-full size-full wp-image-72118\" alt=\"Talk With An Agent Now icon\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/farmerbrown.com?page_id=173\">Hable Con un Agente Ahora<\/a><\/h3><p class=\"elementor-image-box-description\">Veamos c\u00f3mo podemos ayudarle<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Seguro Inland Marine \u00bfNecesita seguro? Llame al (888) 973-0016 \u00a1Aseg\u00farese hoy! Cotizacion Gratis Atenci\u00f3n al Cliente \u00a1Agenda una cita de 15 min. con uno de nuestros expertos!\u200b Preg\u00fantame sobre Seguros de Auto Personal \/ Hogar Seguro Para Herramientas Se necesita algo m\u00e1s que un seguro de bienes si tiene art\u00edculos valiosos en tr\u00e1nsito y se [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":0,"parent":97459,"menu_order":7,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-98102","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Seguro de Inland Marine | Cobertura de Equipo y Carga<\/title>\n<meta name=\"description\" content=\"Proteja sus herramientas, maquinaria y mercanc\u00eda mientras est\u00e1n en tr\u00e1nsito o fuera de su oficina. 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