{"id":4504,"date":"2020-11-18T15:45:00","date_gmt":"2020-11-18T23:45:00","guid":{"rendered":"https:\/\/haririlaw.com\/?p=4504"},"modified":"2024-02-12T17:01:58","modified_gmt":"2024-02-13T01:01:58","slug":"court-rules-that-covid-triggers-business-interruption-insurance","status":"publish","type":"post","link":"https:\/\/haririlaw.com\/es\/court-rules-that-covid-triggers-business-interruption-insurance\/","title":{"rendered":"Un tribunal dictamina que la COVID-19 activa el seguro por interrupci\u00f3n de la actividad comercial"},"content":{"rendered":"
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Un juez federal ha dictaminado que la COVID-19 constituye una \u201cp\u00e9rdida o da\u00f1o f\u00edsico\u201d a los bienes, y por lo tanto puede dar lugar a la cobertura bajo p\u00f3lizas de propiedad comercial. El caso, Estudio 417 contra la Compa\u00f1\u00eda de Seguros de Cincinnati<\/i>., se refer\u00eda a un grupo de empresas de Kansas City, Missouri que hab\u00eda presentado una demanda contra su aseguradora por la denegaci\u00f3n de cobertura de los da\u00f1os comerciales.<\/p>


Tras que los demandantes se vieron obligados a cerrar sus negocios debido a la pandemia y a las restricciones impuestas por el gobierno, presentaron una reclamaci\u00f3n ante la Compa\u00f1\u00eda de Seguros de Cincinnati para cubrir las p\u00e9rdidas. La aseguradora rechaz\u00f3 las reclamaciones, afirmando que no hab\u00eda ocurrido ninguna \u201cp\u00e9rdida f\u00edsica\u201d y, por lo tanto, no se ofrec\u00eda cobertura. Como resultado, los negocios presentaron una demanda judicial.<\/p>


En respuesta a una solicitud presentada por Cincinnati para desestimar la demanda, el tribunal se pronunci\u00f3 a favor de los demandantes. El tribunal concluy\u00f3 que una \u201cp\u00e9rdida\u201d, seg\u00fan su significado literal y ordinario, necesariamente abarca \u201cel acto de perder la posesi\u00f3n\u201d y \u201cla privaci\u00f3n\u201d de bienes, lo cual fue lo que les sucedi\u00f3 a los demandantes. Debido a que el covid es t\u00e9cnicamente una sustancia f\u00edsica que se adhiere a las superficies y hace que los bienes sean inseguros e inutilizables, y debido a que esto ha llevado a \u00f3rdenes gubernamentales que proh\u00edben que los negocios permanezcan abiertos para evitar la propagaci\u00f3n de esa sustancia f\u00edsica, las p\u00e9rdidas causadas por el covid cumplen con el umbral para una \u201cp\u00e9rdida f\u00edsica\u201d.\u201d<\/p>


Antes de este caso, hab\u00eda opiniones contradictorias y la industria de seguros sigue sosteniendo que no se ha producido ninguna p\u00e9rdida f\u00edsica y que no son responsables de las \u00f3rdenes emitidas por funcionarios gubernamentales. Tambi\u00e9n han adoptado la postura de que muchas de estas empresas t\u00e9cnicamente no han sido \u201ccerradas\u201d debido a restricciones gubernamentales, ya que pueden seguir operando de forma limitada, por ejemplo, los restaurantes pueden perder la mayor\u00eda de sus ventas, pero a\u00fan pueden operar con servicio de comida para llevar.
Estudio 417 contra la Compa\u00f1\u00eda de Seguros de Cincinnati<\/i>. Es una gran victoria para las empresas, pero a\u00fan queda por ver c\u00f3mo se resolver\u00e1 este asunto en los tribunales de todo el pa\u00eds.<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

A federal judge has ruled that COVID-19 constitutes a \u201cphysical loss or damage\u201d to property, and thus can trigger coverage under commercial property policies. The case, Studio 417 v. The Cincinnati Insurance Co., concerned a group of business in Kansas City, Missouri who had filed suit against their insurer for a denial of coverage for […]<\/p>\n","protected":false},"author":4,"featured_media":4505,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[22,24,21,20,11,12,25,26,17,16,23],"class_list":["post-4504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employment-law","tag-business","tag-cincinnati-insurance-company","tag-covid","tag-employment-lawyer","tag-hariri-law","tag-hariri-law-group","tag-kansas-city","tag-missouri","tag-san-diego-attorney","tag-san-diego-lawyer","tag-studio-417"],"_links":{"self":[{"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/posts\/4504","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/comments?post=4504"}],"version-history":[{"count":0,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/posts\/4504\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/media\/4505"}],"wp:attachment":[{"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/media?parent=4504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/categories?post=4504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haririlaw.com\/es\/wp-json\/wp\/v2\/tags?post=4504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}