{"id":46771,"date":"2025-08-18T16:20:44","date_gmt":"2025-08-18T16:20:44","guid":{"rendered":"https:\/\/veritas.cl\/veritas\/?page_id=46771"},"modified":"2026-03-20T16:56:21","modified_gmt":"2026-03-20T16:56:21","slug":"bienes-fisicos","status":"publish","type":"page","link":"https:\/\/veritas.cl\/veritas\/bienes-fisicos\/","title":{"rendered":"Bienes f\u00edsicos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"46771\" class=\"elementor elementor-46771\" data-elementor-settings=\"{&quot;element_pack_global_tooltip_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-910cf2f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-parent\" data-id=\"910cf2f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7bacf1 elementor-widget elementor-widget-heading\" data-id=\"c7bacf1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Gesti\u00f3n estructural aseguradora<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90ffcf5 elementor-widget elementor-widget-heading\" data-id=\"90ffcf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bienes F\u00edsicos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-1d79deb e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-parent\" data-id=\"1d79deb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-6783f67b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-child\" data-id=\"6783f67b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ede7b6d elementor-widget elementor-widget-text-editor\" data-id=\"ede7b6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Los activos materiales constituyen la base operativa y patrimonial de personas y organizaciones. Su adecuada protecci\u00f3n exige estructuras aseguradoras consistentes con la naturaleza de la actividad, el entorno de exposici\u00f3n y la magnitud del riesgo asumido.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0f69de5 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no\" data-id=\"0f69de5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1b49b94\" data-id=\"1b49b94\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-5613bff9 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no\" data-id=\"5613bff9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6b3c19ff\" data-id=\"6b3c19ff\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cab88ee elementor-widget elementor-widget-heading\" data-id=\"cab88ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Exposici\u00f3n y naturaleza del riesgo<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f062fad elementor-widget elementor-widget-text-editor\" data-id=\"1f062fad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Infraestructura, instalaciones, maquinaria, inventarios y contenidos se encuentran expuestos a eventos que pueden afectar de manera directa la continuidad operativa y la estabilidad financiera.\u00a0<\/p><p>Incendios, fen\u00f3menos naturales, da\u00f1os accidentales o eventos externos pueden comprometer tanto el patrimonio como la capacidad de operaci\u00f3n. La identificaci\u00f3n precisa de estos riesgos constituye el punto de partida para una protecci\u00f3n t\u00e9cnicamente consistente.<\/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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-a626e93 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-parent\" data-id=\"a626e93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-2e2f95ec e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-child\" data-id=\"2e2f95ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff14b40 elementor-widget elementor-widget-image\" data-id=\"ff14b40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"960\" height=\"960\" src=\"https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/estructuracion-1024x1024.webp\" class=\"attachment-large size-large wp-image-61472\" alt=\"\" srcset=\"https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/estructuracion-1024x1024.webp 1024w, https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/estructuracion-300x300.webp 300w, https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/estructuracion-150x150.webp 150w, https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/estructuracion-768x768.webp 768w, https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/estructuracion.webp 1200w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-ca8927a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-child\" data-id=\"ca8927a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8114c33 elementor-widget elementor-widget-heading\" data-id=\"8114c33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Estructuraci\u00f3n t\u00e9cnica del programa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb1477a elementor-widget elementor-widget-text-editor\" data-id=\"eb1477a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La configuraci\u00f3n de programas de bienes f\u00edsicos requiere evaluar valores asegurables, escenarios de p\u00e9rdida m\u00e1xima probable y condiciones contractuales espec\u00edficas. Ello implica definir l\u00edmites adecuados, deducibles coherentes y cl\u00e1usulas complementarias que respondan a la realidad de cada operaci\u00f3n.<\/p><p>El dise\u00f1o del programa considera la actividad desarrollada, el tipo de activo protegido y el entorno regulatorio, evitando soluciones gen\u00e9ricas y privilegiando estructuras ajustadas al riesgo real.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-7046eb7 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-parent\" data-id=\"7046eb7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-6560736 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-child\" data-id=\"6560736\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3bc232 elementor-widget elementor-widget-heading\" data-id=\"b3bc232\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Gesti\u00f3n t\u00e9cnica y continuidad del programa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58e35ba elementor-widget elementor-widget-text-editor\" data-id=\"58e35ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La protecci\u00f3n patrimonial no concluye con la contrataci\u00f3n de la p\u00f3liza. Requiere revisi\u00f3n peri\u00f3dica de valores, actualizaci\u00f3n conforme a ampliaciones o cambios operativos y seguimiento t\u00e9cnico ante eventuales siniestros.<\/p><p>Este enfoque permite mantener coherencia entre la evoluci\u00f3n del negocio y la estructura aseguradora, resguardando continuidad operativa y respaldo financiero frente a eventos de alta severidad.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-c4f5a9d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-child\" data-id=\"c4f5a9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28a5822 elementor-widget elementor-widget-image\" data-id=\"28a5822\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"960\" height=\"960\" src=\"https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/gestion_tecnica-1024x1024.webp\" class=\"attachment-large size-large wp-image-61473\" alt=\"\" srcset=\"https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/gestion_tecnica-1024x1024.webp 1024w, https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/gestion_tecnica-300x300.webp 300w, https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/gestion_tecnica-150x150.webp 150w, https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/gestion_tecnica-768x768.webp 768w, https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/gestion_tecnica.webp 1200w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3dc677 elementor-widget elementor-widget-image\" data-id=\"a3dc677\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/istockphoto-1257567814-1024x1024-1.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\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\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-4a04f66 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-parent\" data-id=\"4a04f66\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-e3aa765 bdt-backdrop-filter-yes e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-child\" data-id=\"e3aa765\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-fc617b1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-child\" data-id=\"fc617b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dddb5c6 elementor-widget elementor-widget-heading\" data-id=\"dddb5c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Inf\u00f3rmese y tome la mejor decisi\u00f3n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c328f42 elementor-widget elementor-widget-heading\" data-id=\"c328f42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Solicite asesor\u00eda experta<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47ea10b elementor-widget elementor-widget-text-editor\" data-id=\"47ea10b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\">Resuelva sus consultas con nuestros especialistas, solicite su asesor\u00eda personalizada ahora.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff65364 elementor-position-inline-start elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"ff65364\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/veritas.cl\/veritas\/formulario-de-contacto\/\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Cont\u00e1ctenos\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" viewBox=\"0 0 241 69\"><defs><style>      .st0 {        fill: #039;      }      .st1 {        fill: none;        stroke: #039;        stroke-miterlimit: 10;        stroke-width: 6px;      }    <\/style><\/defs><path class=\"st1\" d=\"M3,35h227.06\"><\/path><path class=\"st0\" d=\"M184.96,66.68c-.98-1.53-.52-3.58,1.02-4.56l42.58-27.12-42.58-27.12c-1.54-.98-2-3.02-1.02-4.56.98-1.53,3.04-1.98,4.56-1.01l46.95,29.91c.95.61,1.53,1.66,1.53,2.78s-.58,2.18-1.53,2.78l-46.95,29.91c-.55.35-1.17.52-1.77.52-1.09,0-2.16-.54-2.79-1.53Z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/veritas.cl\/veritas\/formulario-de-contacto\/\" >\n\t\t\t\t\t\t\tCont\u00e1ctenos\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-7d6d5e3 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-equal-height-no e-con e-child\" data-id=\"7d6d5e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aba4abd elementor-widget elementor-widget-image\" data-id=\"aba4abd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"960\" height=\"640\" src=\"https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/solicite-asesoria-experta-1024x683.webp\" class=\"attachment-large size-large wp-image-61185\" alt=\"\" srcset=\"https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/solicite-asesoria-experta-1024x683.webp 1024w, https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/solicite-asesoria-experta-300x200.webp 300w, https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/solicite-asesoria-experta-768x512.webp 768w, https:\/\/veritas.cl\/veritas\/wp-content\/uploads\/2026\/03\/solicite-asesoria-experta.webp 1200w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Gesti\u00f3n estructural aseguradora Bienes F\u00edsicos Los activos materiales constituyen la base operativa y patrimonial de personas y organizaciones. Su adecuada protecci\u00f3n exige estructuras aseguradoras consistentes con la naturaleza de la actividad, el entorno de exposici\u00f3n y la magnitud del riesgo asumido. Exposici\u00f3n y naturaleza del riesgo Infraestructura, instalaciones, maquinaria, inventarios y contenidos se encuentran expuestos a eventos que pueden afectar de manera directa la continuidad operativa y la estabilidad financiera.\u00a0 Incendios, fen\u00f3menos naturales, da\u00f1os accidentales o eventos externos pueden comprometer tanto el patrimonio como la capacidad de operaci\u00f3n. La identificaci\u00f3n precisa de estos riesgos constituye el punto de partida para una protecci\u00f3n t\u00e9cnicamente consistente. Estructuraci\u00f3n t\u00e9cnica del programa La configuraci\u00f3n de programas de bienes f\u00edsicos requiere evaluar valores asegurables, escenarios de p\u00e9rdida m\u00e1xima probable y condiciones contractuales espec\u00edficas. Ello implica definir l\u00edmites adecuados, deducibles coherentes y cl\u00e1usulas complementarias que respondan a la realidad de cada operaci\u00f3n. El dise\u00f1o del programa considera la actividad desarrollada, el tipo de activo protegido y el entorno regulatorio, evitando soluciones gen\u00e9ricas y privilegiando estructuras ajustadas al riesgo real. Gesti\u00f3n t\u00e9cnica y continuidad del programa La protecci\u00f3n patrimonial no concluye con la contrataci\u00f3n de la p\u00f3liza. Requiere revisi\u00f3n peri\u00f3dica de valores, actualizaci\u00f3n conforme a ampliaciones o cambios operativos y seguimiento t\u00e9cnico ante eventuales siniestros. Este enfoque permite mantener coherencia entre la evoluci\u00f3n del negocio y la estructura aseguradora, resguardando continuidad operativa y respaldo financiero frente a eventos de alta severidad. Inf\u00f3rmese y tome la mejor decisi\u00f3n Solicite asesor\u00eda experta Resuelva sus consultas con nuestros especialistas, solicite su asesor\u00eda personalizada ahora. Cont\u00e1ctenos<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-46771","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/veritas.cl\/veritas\/wp-json\/wp\/v2\/pages\/46771","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/veritas.cl\/veritas\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/veritas.cl\/veritas\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/veritas.cl\/veritas\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/veritas.cl\/veritas\/wp-json\/wp\/v2\/comments?post=46771"}],"version-history":[{"count":340,"href":"https:\/\/veritas.cl\/veritas\/wp-json\/wp\/v2\/pages\/46771\/revisions"}],"predecessor-version":[{"id":62522,"href":"https:\/\/veritas.cl\/veritas\/wp-json\/wp\/v2\/pages\/46771\/revisions\/62522"}],"wp:attachment":[{"href":"https:\/\/veritas.cl\/veritas\/wp-json\/wp\/v2\/media?parent=46771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}