Pérdida de actividad empresas coronavirus covid-19 lucro cesante

La pérdida de actividad o lucro cesante por el Coronavirus (Covid-19)

Estos días hemos tenido muchas consultas sobre si aquellos profesionales liberales o empresas que tienen contratados seguros con la garantía de interrupción de actividad, lucro cesante o pérdida de beneficios, tienen derecho a percibir una indemnización debido a la situación actual y al estado de alarma declarado por el gobierno como consecuencia de la pandemia del Coronavirus (COVID-19). Vamos a intentar esclarecer el tema.

El lucro cesante: ¿cuándo se produce?

En otro post ya tratamos qué es el lucro cesante.

El lucro cesante o pérdida de beneficios es siempre resultado de una interrupción de la actividad debido a una contingencia determinada. Sería el caso de un incendio, inundación, explosión, accidente de tráfico, etcétera. En unos casos el culpable del accidente deberá costear el lucro cesante y, si el «culpable» eres tú, lo deberá costear el seguro que tengas contratado, si es que tienes la cobertura contratada.

No entran dentro de la condición del lucro cesante el que la empresa deje de vender por causa de que sus productos o servicios ya no interesan al mercado por las circunstancias que sean, como sería, su obsolescencia, modas, cambios de hábito del consumidor, mejores precios de la competencia, productos sustitutivos, etcétera.

RECLAMAR INDEMNIZACIÓN

Requisitos del lucro cesante

Para que se pueda conceder una indemnización por lucro cesante deben darse dos requisitos:

  1. Que realmente exista y pueda ser probado junto con su relación directa con el daño causado.
  2. Que se pueda determinar o calcular efectivamente la cuantía económica dejada de percibir.

Taxistas, fábricas de ropa o de vehículos o de tornillos o de lo que sea. Hoteles, industria del entretenimiento, restaurantes y un larguísimo etcétera de actividades. Es obvio que en la mayoría de casos de empresas y autónomos será muy fácil acreditar el cumplimiento de los requisitos tanto de existencia de la pérdida económica como de su cuantificación y relación directa con el daño (la pandemia). Ahora bien, ¿tiene cobertura?

La regulación del seguro de lucro cesante

Desde el artículo 63 hasta 67 de la Ley 50/1980 de Contrato de Seguro se establece lo siguiente respecto a los seguros de lucro cesante:

Artículo 63. De qué trata y a qué obliga el seguro de Lucro Cesante.

Artículo 64. Deber del asegurado a informar a todas las aseguradoras de la existencia de los seguros.

Artículo 65. Conceptos obligados, salvo pacto expreso, que el asegurador debe indemnizar al asegurado por lucro cesante.

Artículo 66. Qué partes del lucro cesante pude asegurar el asegurado y en qué escenarios.

Artículo 67. De existir solo un seguro de lucro cesante no vinculado a escenarios concretos, la indemnización resultará siempre del cálculo resultante objetivamente acreditado.

RECLAMAR INDEMNIZACIÓN

¿La pandemia del Covid-19 es un siniestro?

El diccionario de la Real Academia Española, entre otros significados, define siniestro como un suceso que produce un daño o una pérdida material considerables. También lo define, para el contrato de seguro, la concreción del riesgo cubierto en dicho contrato y que determina el nacimiento de la prestación del asegurador.

Obviamente la pandemia del Coronavirus (COVID-19) es un auténtico siniestro, como si se tratara de las consecuencias de la radiación de una catástrofe nuclear. Otra cosa es que el «riesgo» de pandemia como causa de siniestro que origine el derecho a cobrar por la garantía de pérdida de actividad o lucro cesante quede amparada en el contrato.

Los contratos de seguro con garantía de lucro cesante

Para las pequeñas y medianas empresas los seguros de lucro cesante habitualmente forman parte de un «seguro paquete» que engloba incendio, robo, responsabilidad civil, lucro cesante, etcétera. En las grandes corporaciones el seguro de lucro cesante es un contrato exclusivo a parte del seguro de daños o de incendio o de otras garantías.

Generalmente en los contratos de «seguro paquete» la garantía de lucro cesante (cláusula delimitativa) va condicionada a que se produzca un siniestro de daños cubierto por el mismo contrato (cláusula limitativa de derechos del asegurado). De este modo el lucro cesante queda cubierto siempre y cuando sea consecuencia de un incendio, que obviamente es un riesgo básico de daños cubierto por el seguro, pero como el riesgo de «pandemia» no es un riesgo incluido, el lucro cesante tampoco queda cubierto.


¿Cómo valorarias a tu aseguradora?
Comparte tu opinión con otros usuarios en RankiSeguros.

VALORAR MI SEGURO


Cláusulas delimitativas y limitativas de derechos

Siguiendo lo que decimos en el apartado anterior y si consultas el post sobre las cláusulas verás que, dado el caso que no hayas aceptado específicamente por escrito las cláusulas que limitan los derechos del asegurado (artículo 3 LCS), podrás reclamar la cláusula delimitativa del riesgo de lucro cesante de acuerdo a la sección quinta de la LCS y por tanto tendrás derecho a la indemnización hasta el límite de la suma asegurada sin que se vea condicionada a otra garantía. En caso contrario deberás plantearte lo que sigue en el próximo apartado.

Cláusulas abusivas

Los artículos del 82 al 91 de la Ley General para la Defensa de Consumidores y Usuarios (RDL 1/2007) establecen lo que hace referencia a las cláusulas abusivas en los contratos, y de considerarse alguna como tal, son consideradas nulas. Y evidentemente esto también afecta a los contratos de seguro, más aun cuando se trata de contratos de adhesión. Obviamente deberá estudiarse detenidamente si, aunque se hayan aceptado por escrito las circunstancias contractuales que limitan los derechos del asegurado para que tengas derecho de percibir la indemnización por garantía de lucro cesante, ésas sean consideradas como abusivas por el Juez bajo su criterio e interpretación del Derecho. Por tanto, en este escenario del Coronavirus (COVID-19) deberías percibir la indemnización por lucro cesante aunque hubieras aceptado esa cláusula que lo excluye si es considerada abusiva.

¿Y los plazos? La responsabilidad civil del asegurador frente al asegurado

Ten en cuenta que desde que declaras el siniestro a la aseguradora hasta que ésta te lo pague todo hay un plazo máximo de 40 días naturales. Y si en ese plazo el seguro no te indemniza, deberá justificar el porqué no te indemnizó todo en ese plazo y qué circunstancias o información les faltaban por conocer para que no liquidaran la totalidad que debías percibir. No vale pagar lo que les dé la gana. Los pagos deben estar acreditados del mismo modo que tú deberás acreditar tu reclamación.

Y si resulta que el seguro no te pagó el lucro cesante en los 40 días teniendo la obligación de haberlo hecho y debes cerrar el negocio, podrás reclamar al asegurador la pérdida de tu fondo de comercio por no haberte pagado a tiempo. Porque en las empresas, autónomos y particulares no solo va de cobrar la indemnización, sino también de cobrarla a tiempo. Porque percibir la indemnización de aquí a 3 años, por muchos intereses que te paguen, no resuelve nada. La cuestión es recibir la indemnización a tiempo. Y obviamente la pérdida del fondo de comercio, que a efectos prácticos es el valor de la empresa a precio de mercado excluyendo los fondos propios que de perderlos en el siniestro también deberían computarse, lo deberá asumir esa aseguradora por responsabilidad civil por no haberte pagado a tiempo. Y esta segunda indemnización no irá vinculada a ningún contrato sino a una responsabilidad del propio asegurador frente al propietario de la empresa «fallecida» o «tocada de muerte».

¿Qué perderás?

Cada uno debe calibrar su estrategia y estudiar detenidamente su caso, y para muchas empresas que van a «morir» ¿qué les cuesta intentarlo? Si igualmente la empresa muere da lo mismo morir por 100 que por 200. Morirá intentándolo. Pero si ganas, al menos salvarás tu negocio y aquellas familias que dependían de él. En tu mano está intentarlo.

Nota final

Ya sabes que en ClaimCenter somos expertos en temas de seguros en lo referente a temas post-venta, tramitación de siniestros y accidentes de todo tipo. Puedes solicitar tranquilamente a tu aseguradora que seamos nosotros quienes peritemos o gestionemos tu caso. Si tu aseguradora no acepta que seamos nosotros quienes nos ocupemos de tu caso por alguna extraña razón, siempre puedes contratarnos para que te nos estudiemos tu caso, te asesoremos y, dado el caso que tengas razón, reclamemos al seguro.

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  72. 従業員 生命保険
    従業員 生命保険 says:

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  73. 向かい ました 言い換え
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    Paddy Pyrle noted that the bull was very similar to another sculpture on the Nenagh bypass, also designed by the sculptor Colin Grehan.

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  74. 足利フラワーパーク 料金
    足利フラワーパーク 料金 says:

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  75. 科学者とは本
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    Scents reminiscent of iconic anime scenes or characters, akin to cherry blossoms or ocean breezes, can create immersive sensory experiences.

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  76. やしろあずき 引っ越し
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  77. 変わった 面白い仕事
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    Although the Great Blizzard of 1888 is still part of the Eastern United States’ weather-disaster lexicon, there have been at least a dozen other notable nor’easters since that storm made its snowy mark on history.

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  78. 投資信託 10万 放置
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    The primary contribution of the Soviet faculty of chess was not the fashion of gamers but their emphasis on rigorous coaching and research of the sport, i.e.

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  79. ボンバーガール 晒し
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  80. 国際 協力 ボランティア
    国際 協力 ボランティア says:

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  81. etf と 投資 信託
    etf と 投資 信託 says:

    Nonetheless, they were arrested on arrival by the administrator of French Morocco, Normal Charles Noguès, on orders from Basic Maxime Weygand and Marshal Philippe Pétain.

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  82. バカ女王 オナニー
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  83. 変な英語 例文
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    Washington at first took quarters throughout the river from Trenton, but on December 15 he moved his headquarters to the house of William Keith in current-day Upper Makefield Township so he was closer to his forces.

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  84. ラブドール 女性 用
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  86. 陸送業とは
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    Performing Squadron Chief Henry Rex Oldland, DFC, (185807), Royal Air Force Volunteer Reserve (Training Branch).

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  87. 天皇即位祝賀パレード
    天皇即位祝賀パレード says:

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  88. 新潟市立山の下中学校
    新潟市立山の下中学校 says:

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  89. 京都 凸凹庵
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    背中ニキビ 皮膚科 保険 says:

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  92. さば アレルギー 症状
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  93. 楽天銀行 ipo 買い か
    楽天銀行 ipo 買い か says:

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  94. ハイネックタートルネック
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  95. 9028の配当株価はいくらですか
    9028の配当株価はいくらですか says:

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  96. 島根 半島 海水 浴場
    島根 半島 海水 浴場 says:

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  97. 食中毒 なりやすい 食べ物
    食中毒 なりやすい 食べ物 says:

    The degree of correlation between funding liquidity and market liquidity acts as an important parameter for evaluating the development of a financial market and reflects the activity of the market.

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  98. ファスト映画賠償
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    The Chequamegon-Nicolet National Forest protects large swaths of Wisconsin’s Northwoods and presents trails, lakes, and scenic byways so we can get the most out of the forest throughout the peak of its autumn splendor.

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  99. ベンツeクラスワゴン
    ベンツeクラスワゴン says:

    Pahlén’s in-house developed centrifugal pool pumps are specially designed for swimming pools, the place high demands are made on capability, steady and quiet operation and lengthy service life with out breaks.

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  100. 明後日 の 天気 福岡
    明後日 の 天気 福岡 says:

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  101. オーストラリア 物価 2022
    オーストラリア 物価 2022 says:

    He acquired a fair bigger shock — the take a look at tube ignited and stayed alight while the RFG was turned on.

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  102. 介護 保険 過誤 申立 事由 コード
    介護 保険 過誤 申立 事由 コード says:

    World Chess Championship 2014 match, the top two finishers within the Chess World Cup 2015, the top two finishers within the FIDE Grand Prix 2014-15, subsequent two highest rated players (average FIDE score on the 12 monthly lists from January to December 2015, with a minimum of 30 video games played) who performed in Chess World Cup 2015 or FIDE Grand Prix 2014-15, and one player nominated by Agon (the organizers).

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    出合い系 掲示板 童貞 says:

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  104. ことわざ とは 簡単に
    ことわざ とは 簡単に says:

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  105. 杷木 うなぎ
    杷木 うなぎ says:

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  106. 飢餓 日本 取り組み
    飢餓 日本 取り組み says:

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    東京食文化博物館 says:

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  108. 〇〇りゅう
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    The impact was to disenfranchise most blacks and plenty of poor whites, after Tennessee had been probably the most aggressive states politically after the Civil Battle.

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  109. 日経 225 トラリピ
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  110. SBI証券は1株から購入できますか
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  111. くつろぎ宿 新滝 ブログ
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  113. 体温下げる アイス
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    They are most often called a breakfast or dessert meals, but are so versatile they’ll take on any kind.

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  114. 舞岡中学校
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  115. ディズニーシー ゲーム
    ディズニーシー ゲーム says:

    After highschool, Beaudoin, 30, studied classical piano efficiency at an art school in Seattle.

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  116. 鈍痛 どんな痛み
    鈍痛 どんな痛み says:

    In order to regulate inflationary expectations, Brazil’s central financial institution has increased the country’s reference lending rate by 75 foundation points.

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  117. eq高める
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    Good fundamental analysis involves immersing yourself in information that will give you the clearest picture of a company.

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  118. 選挙カー時間
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    They had no idea how influential it would actually be and it鈥檚 safe to say that without its classic multiplayer mode, GoldenEye wouldn鈥檛 be anywhere near as fondly remembered as it is today.

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  119. テキスト自動要約 アプリ
    テキスト自動要約 アプリ says:

    Lastly, the proposal requires both sets of firms (large bank holding companies and regional firms) subject to the LCR requirements to submit remediation plans to U.S.

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  120. 高級ワイン 1万円
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  121. 北村陽 チェロ
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    Individuals who seek to challenge the CFP certification exam must take a financial planning capstone course before sitting for the exam.

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  122. 漫画おすすめ
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    People who trade in these hours are generally exporters and importers as opposed to market participants like traders.

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  123. 香港 イギリス文化
    香港 イギリス文化 says:

    With the previous permit expired, town did not want to offer the railroad a brand new permit because of Ackerman’s issues.

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  124. 確定拠出年金 1億円
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  125. 車 保険 結婚
    車 保険 結婚 says:

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  126. 未公開土地探し方
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    The work, done in panels was typically completed on the Glass House and brought then to the church.

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    読書 肩こり 姿勢 says:

    2, Nepomniachtchi knocked some captured items onto the floor as his hands visibly trembled whereas searching for a transfer, clearly distraught; he resigned after yet one more move with less than 30 seconds on his clock.

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  128. オススメ 美術館
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    Pieces produced in small manufacturing runs, such because the lampwork figures of Stanislav Brychta, are typically known as art glass.

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  129. 農家スレ
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    Some US states like California require lenders to choose between legal actions (such as wage garnishment) against the borrower or taking repossession, but not both.

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  130. 有為転変 覚え方
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    The analytical notes, discussion papers and working papers prepared by the bank’s economic staff are published on the bank’s website and in its online monthly Research Newsletter, several are published in the quarterly Bank of Canada Review.

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  131. 登録金融機関業務に従事する者とは
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  134. 外務 省 モンゴル
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  135. 149 ドル 日本 円
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  137. 聯通金融集團
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  138. 人が学ぶ理由
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  139. 被○○とは
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    James Frederick Tenney is a member of the American Bar Association, the International Bar Affiliation, the State Bar of Georgia, the Tennessee Bar Association, the American Association of Lawyer-Certified Public Accountants, the ABA Part on Taxation and several other of its nationwide committees.

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  140. 火災保険 申請代行 手数料 相場
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  145. クラシック音楽時代区分
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  146. ブールアンジュ 店舗
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  147. 消費者金融 必ずかりられる
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  148. トキの学名
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    21歳 車 保険料 月々 says:

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  153. 破産 生命 保険
    破産 生命 保険 says:

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  155. ディズニー ジャニーズ
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    銀座 セブン 銀行 says:

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  157. 硬い アボカド 食べ 方
    硬い アボカド 食べ 方 says:

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  158. お飲みになりますか
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    I ran dangerously near an enormous napping alligator and happened upon a group of dolphins «muddling» within the salt marshes at low tide.

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  159. スウェーデン 地図
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  163. 輸入販売業の許可
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  164. 大和証券 本社勤務
    大和証券 本社勤務 says:

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  165. 大阪杯 指数
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  166. 証券会社とはどんな会社ですか
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  167. 日本梱包運輸 株価
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  168. キープウィルダイニング 株価
    キープウィルダイニング 株価 says:

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  169. 連絡を密に取る 言い換え
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  170. 岩竜の剛翼
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  171. まやおねえさん ツイッター
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    Unsaid was the equally apparent fact that the ’86 couldn’t hope to have its predecessor’s impression, for the market had modified too much since 1978 — more crowded and aggressive than ever.

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  172. 必要性が高い 言い換え
    必要性が高い 言い換え says:

    It is likely that alien life varieties would have some sort of advanced molecule to perform related capabilities.

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  174. ゲームフリーク株価
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    Although few Individuals wanted to intervene within the conflict, an October 1939 Gallup poll showed that over 80 of the nation favored Britain and France over Germany.

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  181. クラタホールディングスの事業内容は
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  182. アリババ 上場 廃止
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  184. https://www.egwb-should.xyz/blog/1734644778281/
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  218. DVYの配当利回りは