{"id":5771,"date":"2025-12-17T11:20:31","date_gmt":"2025-12-17T10:20:31","guid":{"rendered":"https:\/\/ambler.es\/asseguranca-dincendi-la-cobertura-que-tota-empresa-hauria-de-revisar-avui\/"},"modified":"2025-12-18T10:38:00","modified_gmt":"2025-12-18T09:38:00","slug":"asseguranca-dincendi-la-cobertura-que-tota-empresa-hauria-de-revisar-avui","status":"publish","type":"post","link":"https:\/\/ambler.es\/ca\/asseguranca-dincendi-la-cobertura-que-tota-empresa-hauria-de-revisar-avui\/","title":{"rendered":"Asseguran\u00e7a d&#8217;incendi: la cobertura que tota empresa hauria de revisar avui"},"content":{"rendered":"\n<p>Els riscos en un negoci no sempre s\u00f3n visibles: <strong>un curtcircuit, un accident a la cuina del restaurant o una fallada en la maquin\u00e0ria <\/strong>poden desencadenar un incendi que afecti greument l&#8217;operativa. Tenir un <strong>pla de conting\u00e8ncia financer <\/strong>\u00e9s fonamental, i una <strong>asseguran\u00e7a d&#8217;incendi<\/strong> s&#8217;encarrega d&#8217;oferir aquesta protecci\u00f3 integral davant l&#8217;inesperat. <\/p>\n\n<p>A m\u00e9s, comptar amb aquesta protecci\u00f3 ajuda a <strong>minimitzar l&#8217;impacte en empleats, clients i prove\u00efdors<\/strong>, per garantir aix\u00ed que el negoci pugui recuperar-se r\u00e0pidament i mantenir la seva reputaci\u00f3 intacta.<\/p>\n\n<p>Com a corredoria d&#8217;assegurances especialitzada en assegurances empresarials, a <strong>Ambler<\/strong> acompanyem el teu negoci per dissenyar programes de protecci\u00f3 que combinen la m\u00e0xima protecci\u00f3 davant l&#8217;inesperat. Vegem qu\u00e8 \u00e9s una <strong>asseguran\u00e7a d&#8217;incendi<\/strong>, qu\u00e8 cobreix i com funciona quan ocorre un sinistre. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 \u00e9s una asseguran\u00e7a d&#8217;incendi?<\/strong><\/h2>\n\n<p>Una <strong>asseguran\u00e7a d&#8217;incendi per empreses <\/strong>\u00e9s la <strong>cobertura que protegeix els b\u00e9ns de la teva empresa davant els danys provocats pel foc, l&#8217;explosi\u00f3 o la caiguda de llamp,<\/strong> segons els termes que marqui la p\u00f2lissa. Sol integrar-se dins d&#8217;<strong><a href=\"https:\/\/ambler.es\/ca\/assegurances-empreses\/asseguranca-de-danys-materials\/\">assegurances de danys materials <\/a><\/strong><strong>o<\/strong> <strong><a href=\"https:\/\/ambler.es\/ca\/asseguranca-tot-risc-construccio\/\">assegurances tot risc construcci\u00f3<\/a> <\/strong>per a comer\u00e7os, oficines, naus industrials i altres immobles d&#8217;\u00fas professional. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 cobreix l&#8217;asseguran\u00e7a en cas d&#8217;incendi?<\/strong><\/h2>\n\n<p>La p\u00f2lissa recull un conjunt de garanties b\u00e0siques i opcionals que conv\u00e9 revisar amb detall.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Cobertures b\u00e0siques de danys materials<\/strong><\/h3>\n\n<p>En la majoria de p\u00f2lisses orientades a empreses, l&#8217;asseguran\u00e7a d&#8217;incendi sol incloure com a m\u00ednim:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Danys per foc: <\/strong>\u00e9s la cobertura central que protegeix davant els danys materials causats per l&#8217;acci\u00f3 directa del foc (estructures deformades, parets ennegrides, maquin\u00e0ria inutilitzada, mercaderia destru\u00efda, etc.).<br\/><\/li>\n\n\n\n<li><strong>Danys per explosi\u00f3 o caiguda de llamp:<\/strong> moltes asseguradores integren en<strong> l&#8217;asseguran\u00e7a d&#8217;incendi <\/strong>la protecci\u00f3 davant danys causats per explosi\u00f3 o per l&#8217;impacte d&#8217;un llamp, sempre que tinguin relaci\u00f3 amb el risc assegurat.<br\/><\/li>\n\n\n\n<li><strong>Danys al contingut del local o nau industrial: <\/strong>no es protegeix nom\u00e9s l&#8217;edifici (continent), sin\u00f3 tamb\u00e9 el <strong>contingut<\/strong>, com mobiliari, electrodom\u00e8stics, equips inform\u00e0tics, maquin\u00e0ria de producci\u00f3, exist\u00e8ncies en magatzem o cambres frigor\u00edfiques, aix\u00ed com elements decoratius i altres b\u00e9ns inventariats.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><strong>Relaci\u00f3 amb l&#8217;asseguran\u00e7a de danys materials i l&#8217;asseguran\u00e7a tot risc construcci\u00f3<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Assegurances de danys materials per a empreses: <\/strong>aquest tipus de p\u00f2lisses protegeix edificis, instal\u00b7lacions, maquin\u00e0ria i exist\u00e8ncies davant riscos com incendi, explosi\u00f3, llamp, impacte de vehicles, fen\u00f2mens atmosf\u00e8rics i altres danys directes.<br\/><\/li>\n\n\n\n<li><strong>Asseguran\u00e7a tot risc construcci\u00f3: <\/strong>durant una obra, aquesta asseguran\u00e7a cobreix els danys que pugui patir la pr\u00f2pia obra en execuci\u00f3, maquin\u00e0ria auxiliar i materials acopiats, incloent-hi incendi, explosi\u00f3 o caiguda de llamp, entre altres riscos de la fase constructiva.<br\/><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><strong>Cobertures addicionals habituals<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Robatori o vandalisme durant un incendi: <\/strong>algunes p\u00f2lisses contemplen els danys per saqueig, robatori o actes vand\u00e0lics produ\u00efts durant o immediatament despr\u00e9s de l&#8217;incendi, quan l&#8217;immoble queda exposat i sense vigil\u00e0ncia suficient.<br\/><\/li>\n\n\n\n<li><strong>Responsabilitat civil per danys a tercers: <\/strong>un incendi pot estendre&#8217;s a edificis adjacents, afectar ve\u00efns o la comunitat de propietaris, o danyar instal\u00b7lacions d&#8217;un arrendador. Les empreses solen complementar l&#8217;asseguran\u00e7a d&#8217;incendi amb una<strong> asseguran\u00e7a de responsabilitat civil <\/strong>que cobreixi reclamacions per danys personals, materials i perjudicis econ\u00f2mics a tercers. <br\/><\/li>\n\n\n\n<li><strong>Despeses d&#8217;oficina o local temporal: <\/strong>si l&#8217;immoble queda inutilitzat, moltes p\u00f2lisses contemplen el lloguer d&#8217;un local alternatiu, despeses de trasllat i altres costos necessaris per reprendre l&#8217;activitat.<br\/><\/li>\n\n\n\n<li><strong>Danys el\u00e8ctrics que provoquen incendi: <\/strong>la cobertura de danys el\u00e8ctrics sol contemplar tant el dany a les instal\u00b7lacions i equips com les conseq\u00fc\u00e8ncies d&#8217;un incendi desencadenat per la fallada el\u00e8ctrica, sempre sota les condicions pactades.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Com funciona l&#8217;asseguran\u00e7a en cas d&#8217;incendi?<\/strong><\/h2>\n\n<p>El funcionament de <strong>l&#8217;asseguran\u00e7a d&#8217;incendi<\/strong> es pot dividir en tres moments clau.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Abans del sinistre: an\u00e0lisi del risc i contractaci\u00f3<\/strong><\/h3>\n\n<p>Quan una empresa contracta una asseguran\u00e7a de danys materials o una asseguran\u00e7a d&#8217;incendi espec\u00edfica, s&#8217;analitza:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>L&#8217;activitat del negoci.<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li><strong>El tipus d&#8217;immoble i les seves caracter\u00edstiques constructives.<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li><strong>L&#8217;ubicaci\u00f3, l&#8217;entorn industrial o urb\u00e0 i els accessos de bombers.<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li><strong>Les mesures de protecci\u00f3 instal\u00b7lades<\/strong> (detecci\u00f3, ruixadors, BIE, extintors, plans d&#8217;emerg\u00e8ncia).<br\/><\/li>\n\n\n\n<li><strong>El valor de continent i contingut, i la metodologia de valoraci\u00f3 <\/strong>(valor de reposici\u00f3, valor real).<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><strong>Durant l&#8217;incendi: actuaci\u00f3 immediata<\/strong><\/h3>\n\n<p>Quan es declara un incendi en un negoci, els passos b\u00e0sics que recomanen organismes i professionals s\u00f3n:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Garantir la seguretat de les persones <\/strong>(evacuaci\u00f3, tall de subministraments, av\u00eds a bombers).<br\/><\/li>\n\n\n\n<li><strong>Impedir, en la mesura del possible i sense assumir riscos personals, que el foc es propagui.<\/strong><br\/><\/li>\n\n\n\n<li><strong>Avisar tan aviat com sigui possible la companyia asseguradora o el mediador que gestiona el programa d&#8217;assegurances.<\/strong><\/li>\n<\/ol>\n\n<h3 class=\"wp-block-heading\"><strong>Despr\u00e9s de l&#8217;incendi: peritaci\u00f3 i indemnitzaci\u00f3<\/strong><\/h3>\n\n<p>Un cop controlat l&#8217;incendi i notificat el sinistre:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>L&#8217;asseguradora designa un <strong>perit<\/strong> que analitza l&#8217;origen probable del foc, l&#8217;extensi\u00f3 dels danys i el valor de reposici\u00f3 dels b\u00e9ns afectats.<br\/><\/li>\n\n\n\n<li>L&#8217;empresa pot designar un perit de part si no est\u00e0 d&#8217;acord amb la valoraci\u00f3.<br\/><\/li>\n\n\n\n<li><strong>Si persisteixen discrep\u00e0ncies, la Llei de Contracte d&#8217;Asseguran\u00e7a <\/strong>preveu un sistema de designaci\u00f3 d&#8217;un <strong>tercer perit <\/strong>i fixaci\u00f3 d&#8217;un dictamen conjunt.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Factors que influeixen en el preu de l&#8217;asseguran\u00e7a<\/strong><\/h2>\n\n<p>El cost d&#8217;una <strong>asseguran\u00e7a d&#8217;incendi <\/strong>per a empreses es calcula en funci\u00f3 de les caracter\u00edstiques del risc. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>1. Activitat de l&#8217;empresa<\/strong><\/h3>\n\n<p>No presenta el mateix nivell de risc un despatx professional que un restaurant amb cuina de gas o una nau on s&#8217;emmagatzemen palets o productes qu\u00edmics.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>En <strong>sectors industrials <\/strong>amb materials combustibles (fusta, t\u00e8xtils, pl\u00e0stics, productes qu\u00edmics), la probabilitat i la intensitat d&#8217;un incendi s\u00f3n majors, i les primes solen ser m\u00e9s altes.<br\/><\/li>\n\n\n\n<li>En <strong>activitats d&#8217;hoteleria i alimentaci\u00f3,<\/strong> les cuines industrials i sistemes d&#8217;extracci\u00f3 mal mantinguts s\u00f3n un foc habitual de foc, per la qual cosa les asseguradores analitzen amb detall les mesures de prevenci\u00f3.<br\/><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><strong>2. Caracter\u00edstiques de l&#8217;immoble i ubicaci\u00f3<\/strong><\/h3>\n\n<p>Influeixen aspectes com:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Tipus de construcci\u00f3 <\/strong>(estructura met\u00e0l\u00b7lica, formig\u00f3, fusta, panell sandvitx, etc.).<br\/><\/li>\n\n\n\n<li><strong>Superf\u00edcie constru\u00efda i distribuci\u00f3 interna <\/strong>(sectors d&#8217;incendi, compartimentaci\u00f3, al\u00e7ada lliure).<br\/><\/li>\n\n\n\n<li><strong>Dist\u00e0ncia a altres edificis i accessos per a vehicles de bombers.<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li><strong>Localitzaci\u00f3 en pol\u00edgons industrials, zones log\u00edstiques o \u00e0rees urbanes denses.<\/strong><br\/><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><strong>3. Mesures de prevenci\u00f3 i protecci\u00f3<\/strong><\/h3>\n\n<p>La prima de l&#8217;asseguran\u00e7a d&#8217;incendi tamb\u00e9 dep\u00e8n de les mesures implantades:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Sistemes autom\u00e0tics de detecci\u00f3 i alarma.<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li><strong>Ruixadors autom\u00e0tics i xarxes d&#8217;hidrants.<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li><strong>Extintors, BIE i formaci\u00f3 del personal en el seu \u00fas.<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li><strong>Manteniment peri\u00f2dic de la instal\u00b7laci\u00f3 el\u00e8ctrica i de gas.<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li><strong>Plans d&#8217;emerg\u00e8ncia interns i simulacres documentats.<\/strong><br\/><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><strong>4. Suma assegurada, valoraci\u00f3 i franqu\u00edcies<\/strong><\/h3>\n\n<p>Al calcular la prima s&#8217;avaluen:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Suma assegurada del continent i contingut: <\/strong>com m\u00e9s gran sigui el valor a assegurar (edifici, maquin\u00e0ria, exist\u00e8ncies), m\u00e9s gran ser\u00e0 la base per al c\u00e0lcul.<br\/><\/li>\n\n\n\n<li><strong>M\u00e8tode de valoraci\u00f3: <\/strong>valor de reposici\u00f3 a nou davant de valor real (tenint en compte la depreciaci\u00f3). Aix\u00f2 afecta tant l&#8217;import de la indemnitzaci\u00f3 com el cost de l&#8217;asseguran\u00e7a. <br\/><\/li>\n\n\n\n<li><strong>Franqu\u00edcies: <\/strong>moltes assegurances d&#8217;incendi incorporen una part del risc assumida pel mateix assegurat (franqu\u00edcia). A major franqu\u00edcia, menor sol ser la prima, encara que l&#8217;empresa assumeix m\u00e9s cost en cada sinistre. <\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><strong>5. Historial de sinistres i gesti\u00f3 del risc<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Negocis amb incendis previs, reclamacions rellevants o freq\u00fcents incidents menors poden afrontar rec\u00e0rrecs o condicions m\u00e9s restrictives.<br\/><\/li>\n\n\n\n<li>Per contra, empreses que demostren una<strong> gesti\u00f3 activa del risc <\/strong>(inversions en protecci\u00f3 contra incendis, formaci\u00f3 peri\u00f2dica, revisions documentades) solen aconseguir millors condicions t\u00e8cniques i econ\u00f2miques en les seves assegurances.<br\/><\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Protegeix-te i assegura la continu\u00eftat del teu negoci<\/strong><\/h2>\n\n<p>Dins de l&#8217;estrat\u00e8gia de gesti\u00f3 de riscos de qualsevol empresa, l&#8217;asseguran\u00e7a d&#8217;incendi protegeix el teu negoci, la seva maquin\u00e0ria i les seves exist\u00e8ncies, per\u00f2 tamb\u00e9 serveix com a base per a <strong>activar cobertures de p\u00e8rdua de beneficis i responsabilitat civil <\/strong>que marquen la difer\u00e8ncia entre poder reobrir o tancar definitivament despr\u00e9s d&#8217;un sinistre greu.<\/p>\n\n<p>Si vols revisar com est\u00e0 protegit el teu negoci davant d&#8217;un incendi, valorar si les teves sumes assegurades estan ajustades a la realitat o integrar cobertures de responsabilitat civil i p\u00e8rdua de beneficis, pots contactar amb <strong>Ambler<\/strong>. El nostre equip ofereix assessorament personalitzat orientat a la teva activitat i als teus objectius de creixement. <strong><a href=\"https:\/\/ambler.es\/ca\/contacte-2\/\">Contacta<\/a><\/strong> <strong>amb nosaltres avui: <\/strong>protegeix-te davant l&#8217;inesperat, assegura el teu negoci i la teva tranquil\u00b7litat amb la p\u00f2lissa adequada. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Els riscos en un negoci no sempre s\u00f3n visibles: un curtcircuit, un accident a la cuina del restaurant o una fallada en la maquin\u00e0ria poden desencadenar un incendi que afecti greument l&#8217;operativa. Tenir un pla de conting\u00e8ncia financer \u00e9s fonamental, i una asseguran\u00e7a d&#8217;incendi s&#8217;encarrega d&#8217;oferir aquesta protecci\u00f3 integral davant l&#8217;inesperat. A m\u00e9s, comptar amb [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":5748,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[45],"tags":[101,103,106,105,107,104,100,102],"class_list":["post-5771","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances-ca","tag-assegurances-per-a-empreses","tag-danys-materials","tag-gestio-de-riscos","tag-perdua-de-beneficis","tag-prevencio-dincendis","tag-responsabilitat-civil-empresarial","tag-segur-dincendi-per-a-empreses","tag-segur-per-a-negocis"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Asseguran\u00e7a d&#039;incendi: la cobertura que tota empresa hauria de revisar avui - Ambler | Corredur\u00eda de Seguros<\/title>\n<meta name=\"description\" content=\"Protege la continuidad de tu empresa con un seguro de incendio. 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