Terminará el plazo para reclamar las pérdidas de empresas por el Covid19
Fuimos los primeros de España que lo dijimos: que las aseguradoras ordinarias, en muchos casos, deberían pagar el lucro cesante (pérdidas) debido a la declaración el estado de alarma por causa del Covid19. Y como dijimos, según el tipo de contrato de seguro y cómo estuvieran aceptadas o descritas las cláusulas limitativas de los derechos del asegurado, cabía la posibilidad de que acabaran teniendo que pagar y así está sucediendo. Los jueces nos están dando la razón frente aquellos «sabios» y “súper expertos” que nos decían, y siguen diciendo, que estábamos locos.
Ellos decían y siguen diciendo que no. Que las aseguradoras no deben pagar la falta de ingresos debido al Covid19 bajo ningún concepto. Incluso te lo dice tu mediador, aquél que dice defenderte.
¿Cuándo prescribe el derecho a reclamar la pérdida?
¿Y esto se va a acabar? Sí. El artículo 23 de la Ley 50/1980 de Contrato de Seguro dice que “Las acciones que se deriven del contrato de seguro prescribirán en el término de dos años”. Por tanto, si se declaró el estado de alarma el 14 de marzo de 2020 (Real Decreto 463/2020), y tras sucesivas prórrogas venció el 9 de noviembre de 2020, podrás presentar la reclamación como muy tarde el 13 de marzo de 2022 para ser precavido. Y si no lo haces, no tendrás la posibilidad de resarcir esa pérdida de ingresos que por tener cerrado tu negocio o también la pérdida del alquiler debido al cierre de la actividad mercantil de tu inquilino.
¿Quien puede reclamar la pérdida de ingresos por el Covid19?
Os recordamos que podéis reclamar por dos tipos de coberturas:
- Cobertura o seguro de pérdida de ingresos, gastos generales permanentes, lucro cesante o pérdida de beneficios. Esta cobertura la tenéis todos aquellos que tenéis un seguro de empresa, comercio, pequeña y mediana empresa, gran empresa o actividad mercantil y que tenéis contratada la cobertura específica en vuestro contrato de seguro.
- Cobertura o seguro de pérdida de alquileres. Esta cobertura la tenéis todos aquellos propietarios que tenéis arrendado vuestro local a alguien que desarrolla una actividad comercial, empresarial o mercantil que tuvo que cerrar temporalmente su negocio y tuvisteis que bajarle el alquiler o bien condonárselo y que tenéis cualquier tipo de seguro que asegura el continente, o sea la parte de edificación. Por tanto si eres un propietario que tenía un seguro del edificio o continente, consulta con nosotros.
¿A qué seguro debo reclamar?
Debes reclamar al seguro que tuvieras contratado en el momento de la declaración del estado de alarma. Y aunque hayas cambiado de aseguradora no pasa nada. Se puede reclamar a la que tenías en aquél entonces durante el periodo que te hemos indicado. No te duermas.
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Businessiraq.com, your gateway to unlocking the economic potential of Iraq, will become a cornerstone of the nation’s business community. We’re building a comprehensive platform, not just a directory, but a dynamic ecosystem connecting businesses, fostering innovation, and driving economic growth. Our robust Iraq business directory will showcase a diverse range of Iraqi companies, meticulously vetted and profiled to instill trust and confidence in potential partners. Beyond company listings, we’ll provide a wealth of invaluable information: insightful Iraq business news, analyzing market trends, regulatory changes, and upcoming opportunities, thereby positioning our users for success. Detailed company profiles will extend beyond basic contact information, offering in-depth financial data and organizational structures, fostering informed decision-making. Our multilingual approach—offering both English and Arabic interfaces—prioritizes inclusivity and ensures our platform is a valuable resource for the entire Iraqi business community. This comprehensive approach will not only connect businesses but also help develop a strong sense of community and support within the Iraqi market. We’ll actively curate valuable networking opportunities, facilitate knowledge sharing, and provide ongoing support to foster robust, long-lasting business relationships. At Businessiraq.com, we are committed to empowering businesses throughout Iraq, supporting growth, and driving innovation within the nation’s dynamic economy.
Businessiraq.com is committed to supporting the growth and development of Iraq’s economy. As part of this commitment, the website provides a range of resources and tools to help businesses succeed in the country. These resources include industry reports, market research, and business guides, all of which are designed to help businesses navigate the Iraqi market and identify new opportunities. By providing access to these resources, Businessiraq.com helps businesses to make informed decisions, mitigate risks, and achieve their goals.
Businessiraq.com is your comprehensive online resource for navigating the Iraqi business landscape. This dedicated platform combines a robust Iraq Business Directory with insightful Iraq Business News, creating a one-stop shop for businesses seeking opportunities in the Iraqi market. Our meticulously curated directory features detailed profiles of Iraqi companies, going beyond basic contact information to provide valuable insights into their capabilities, specializations, and financial standing. This detailed information empowers potential partners and investors with the knowledge needed for informed decisions. Moreover, our up-to-date Iraq Business News section keeps you informed about the latest economic trends, regulatory changes, and emerging market opportunities, enabling you to anticipate challenges and capitalize on emerging possibilities. Businessiraq.com isn’t just a directory; it’s a dynamic hub connecting businesses across the Iraqi market, promoting growth and facilitating meaningful connections.
In addition to business listings and news, Job opportunities in Iraq are prominently featured on Businessiraq.com. The online job portal connects job seekers with employers looking to fill positions in various sectors. This feature is particularly beneficial for those seeking to work in Iraq’s burgeoning economy, offering a streamlined approach to finding employment. With a diverse range of job postings, from skilled trades to corporate positions, Businessiraq.com serves as an invaluable resource for both local talent and expatriates keen to contribute to the country’s growth.
Businessiraq.com could also offer a Business of the Month or Company Spotlight feature, where it highlights a different business each month that is making a positive impact in Iraq. This could include a profile of the company, an interview with its CEO or founder, and information about its products and services. This feature would not only provide businesses with an opportunity to showcase their achievements but also inspire and motivate other businesses to strive for excellence. It would also provide readers with valuable insights into the success stories of companies operating in Iraq, highlighting the opportunities and challenges of doing business in the country.
Recognizing that collaboration drives success, Businessiraq.com fosters an environment where businesses can find strategic partners and engage in meaningful collaboration. By featuring case studies, testimonials, and success stories, the platform illustrates the power of partnerships in enhancing business performance. Additionally, the site optimizes its content for keywords such as business partnerships in Iraq and collaborative opportunities, which significantly boost its search rankings. This collaborative focus positions Businessiraq.com not just as a directory, but as a community hub where businesses come together to innovate and grow.
Staying up-to-date with the latest Iraq business news is crucial for businesses operating in the country. Businessiraq.com provides a one-stop-shop for news, analysis, and insights on the Iraqi market, covering various sectors, including energy, finance, construction, and more. The website’s news section is regularly updated with articles, reports, and press releases, ensuring that users have access to the most recent and relevant information. By providing a reliable source of business news, Businessiraq.com helps businesses make informed decisions, identify new opportunities, and stay ahead of the competition.
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