{"id":8800,"date":"2020-09-25T00:00:00","date_gmt":"2020-09-25T00:00:00","guid":{"rendered":"https:\/\/araytor.com\/la-realitat-actual-del-mercat-assegurador-mundial\/"},"modified":"2021-08-10T13:03:35","modified_gmt":"2021-08-10T11:03:35","slug":"la-realitat-actual-del-mercat-assegurador-mundial","status":"publish","type":"post","link":"https:\/\/araytor.com\/ca\/la-realitat-actual-del-mercat-assegurador-mundial\/","title":{"rendered":"La realitat actual del mercat assegurador mundial"},"content":{"rendered":"<p><span>Infinitat de not\u00edcies, articles, xifres, opinions, etc&#8230; al voltant del COVID-19 i les assegurances sobre cancel\u00b7laci\u00f3 d&#8217;esdeveniments han omplert i omplert p\u00e0gines de mitjans de tot el m\u00f3n.<\/span><\/p>\n<p><span>El bombardeig d&#8217;informacions sobre aquest esdeveniment o est altre i les seves possibles cobertures sobre el<span>&nbsp;<\/span><\/span><span>COVID<\/span><span>, teories sobre les p\u00f2lisses en altres mercats,<span>&nbsp;<\/span><\/span><span>fake<\/span><span><span>&nbsp;<\/span><\/span><span>news<\/span><span>, etc&#8230; ha estat present en el nostre dia a dia des de fa 6 mesos.<\/span><\/p>\n<p><span>La realitat del nostre mercat \u00e9s que els contractes exclouen els efectes de les pand\u00e8mies i que la compra de l&#8217;extensi\u00f3 abans de la seva aparici\u00f3, en cas d&#8217;haver-se plantejat, hagu\u00e9s estat rebutjada pel seu alt cost. Qu\u00e8<span>&nbsp;<\/span><\/span><span>Wimblendon<\/span><span><span>&nbsp;<\/span>(l&#8217;\u00fanic gran eslam que ho tenia) o els JJOO (que se celebren cada 4 anys) tinguessin extensi\u00f3 no \u00e9s indicatiu de tot el mercat d&#8217;esdeveniments esportius, culturals, musicals, etc&#8230; el tinguessin. Com an\u00e8cdota, hi havia contractes a Fran\u00e7a que tenien &ldquo;extensi\u00f3 per a malalties transmissibles&rdquo;, per\u00f2 exclo&iuml;en les derivades de qualsevol malaltia relacionada amb el<span>&nbsp;<\/span><\/span><span>SARS<\/span><span>, com \u00e9s el cas del COVID-19.<\/span><\/p>\n<p><span>La pand\u00e8mia ha caigut sobre nosaltres afectant la salut i vida de les persones, produint incomptables p\u00e8rdues per interrupci\u00f3 d&#8217;activitat que van des dels petits negocis a les grans multinacionals, causat la paralitzaci\u00f3 de rodatges programades en centenars de pel\u00b7l\u00edcules i s\u00e8ries, cancel\u00b7lat i\/o ajornat els majors esdeveniments esportius del planeta i per descomptat posant potes enlaire tot el nostre modus vivendi de la m\u00fasica en viu. Tots els sectors econ\u00f2mics productius del m\u00f3n capitalista s&#8217;han llan\u00e7at a la cerca d&#8217;una possible asseguran\u00e7a que cobreixi les p\u00e8rdues.<\/span><\/p>\n<h1><span>Les asseguradores continuen treballant malgrat la incertesa<\/span><\/h1>\n<p><span>El mercat assegurador mundial tamb\u00e9 s&#8217;ha vist afectat. Sis mesos despr\u00e9s de l&#8217;aparici\u00f3 del COVID-19 i amb la incertesa de la durada d&#8217;aquesta crisi, encara no \u00e9s capa\u00e7 d&#8217;avaluar les conseq&uuml;\u00e8ncies directes i indirectes de la pand\u00e8mia.<\/span><\/p>\n<p><span>Les p\u00e8rdues directes repartides entre sinistres (el 90% del qual es troba als Estats Units) i p\u00e8rdues d&#8217;ingressos, que els experts avaluen en 2 vegades les p\u00e8rdues que van ser causades pel 11-S. Aix\u00ed mateix, tamb\u00e9 trobem les p\u00e8rdues indirectes derivades de les tensions en mercats financers i la caiguda de les carteres d&#8217;inversi\u00f3, que fan preveure es dobleguin aquests n\u00fameros.<\/span><\/p>\n<p><span>La incertesa actua autom\u00e0ticament sobre els mercats asseguradors. En determinades l\u00ednies de negoci, ja han duplicat les taxes en relaci\u00f3 amb fa tres o quatre mesos, i tot apunta al fet que en els pr\u00f2xims mesos tornaran a augmentar. \u00e9s possible que el coronavirus sigui nom\u00e9s un detonant d&#8217;una situaci\u00f3 creada els \u00faltims anys on les primes obe&iuml;en m\u00e9s a criteris comercials de rendibilitat.<\/span><\/p>\n<p><span>Des de la nostra posici\u00f3 de<span>&nbsp;<\/span><\/span><span>Broker<\/span><span><span>&nbsp;<\/span>especialista en conting\u00e8ncies, des del minut zero i fins ara, estem treballant en diverses direccions per a ajudar als nostres clients:<\/span><\/p>\n<p><span><strong>\u00b7 Econ\u00f2mica:<\/strong> Minimitzant la factura del segur, b\u00e9 amb la devoluci\u00f3 autom\u00e0tica de la prima en cas de cancel\u00b7laci\u00f3 per<span>&nbsp;<\/span><\/span><span>COVID<\/span><span>. B\u00e9 estenent, sense sobre cap cost, les cobertures de les p\u00f2lisses ja contractades fins a la nova data, incl\u00f2s tot el 2021.<br \/><\/span><br \/><span><strong>\u00b7 Contractual:<\/strong> Hem aconseguit poder continuar oferint i cobrint tots els altres riscos que ja ten\u00edem abans de la pand\u00e8mia, tenim durant i continuarem tenint despr\u00e9s, i que cobreixen infinitat de sup\u00f2sits que impedeixen la normal celebraci\u00f3 dels esdeveniments i ens causen una p\u00e8rdua econ\u00f2mica.<br \/><\/span><br \/><span><strong>\u00b7 Innovant:<\/strong> Reactivant propostes anteriors que tornen a tenir m\u00e9s vig\u00e8ncia que mai. Per exemple: L&#8217;ajornament a dates llunyanes dels nostres esdeveniments genera incertesa per al comprador. Proposem les p\u00f2lisses de<span>&nbsp;<\/span><\/span><span>ticketing<\/span><span><span>&nbsp;<\/span>amb cobertura<span>&nbsp;<\/span><\/span><span>all-*risk<\/span><span><span>&nbsp;<\/span>(per qualsevol causa per al comprador, excepte la cancel\u00b7laci\u00f3 del propi esdeveniment) les quals s\u00f3n un bon argument perqu\u00e8 el nostre client compri amb confian\u00e7a.<br \/><\/span><br \/><span>Els sectors m\u00e9s afectats esperen amb ansietat l&#8217;arribada de dues solucions somiades: La Vacuna i la p\u00f2lissa d&#8217;assegurances que garanteixi la cobertura total dels riscos. En la nostra opini\u00f3 <strong>vindran l&#8217;una de la m\u00e0 de l&#8217;altra.<\/strong><\/span><\/p>\n<p><em>Dion\u00eds&nbsp;Aymar, director de&nbsp;Araytor<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span>Les asseguradores continuen treballant malgrat la incertesa<\/span><\/p>\n","protected":false},"author":1,"featured_media":8450,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":["post-8800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La realitat actual del mercat assegurador mundial - Araytor Corredur\u00eda de Seguros<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/araytor.com\/ca\/la-realitat-actual-del-mercat-assegurador-mundial\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La realitat actual del mercat assegurador mundial - 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