{"id":2739,"date":"2024-02-26T11:48:03","date_gmt":"2024-02-26T11:48:03","guid":{"rendered":"https:\/\/caralticonesa.com\/?p=2739"},"modified":"2024-02-26T11:54:01","modified_gmt":"2024-02-26T11:54:01","slug":"com-a-empresari-estic-obligat-a-tenir-una-asseguranca-daccidents-de-conveni","status":"publish","type":"post","link":"https:\/\/caralticonesa.com\/ca\/com-a-empresari-estic-obligat-a-tenir-una-asseguranca-daccidents-de-conveni\/","title":{"rendered":"Com a empresari estic obligat a tenir una asseguran\u00e7a d’accidents de conveni?"},"content":{"rendered":"

 <\/p>\n

 <\/p>\n

Com a empresari estic obligat a complir una s\u00e8rie de requisits i regulacions davant dels meus clients, davant de l’Administraci\u00f3 P\u00fablica i davant del meu equip.<\/p>\n

L’asseguran\u00e7a d’ACCIDENTS DE CONVENI permet externalitzar els compromisos que el conveni col\u00b7lectiu de cada sector exigeix \u200b\u200ba l’empresari en mat\u00e8ria de protecci\u00f3 i indemnitzacions dels seus treballadors.<\/p>\n

Cada conveni col\u00b7lectiu descriu unes condicions laborals en mat\u00e8ria de remuneraci\u00f3, vacances, dies de pr\u00f2pia disposici\u00f3, permisos, horaris i tamb\u00e9 regulen i defineixen en cas d’accident laboral, que l’empresari haur\u00e0 d’assumir indemnitzacions.<\/p>\n

Tipus de cobertura<\/h3>\n

Cada conveni obliga a contractar garanties, capitals i cobertures diferents encara que les cobertures m\u00e9s comunes s\u00f3n les de:<\/p>\n

Mort per accident<\/p>\n

Incapacitat permanent total<\/p>\n

Incapacitat absoluta<\/p>\n

Malaltia professional<\/p>\n

Gran invalidesa.<\/p>\n

Exemples dels convenis m\u00e9s populars amb els seus capitals:<\/h3>\n

-Conveni siderometal\u00b7l\u00fargic<\/strong><\/p>\n

Mort Laboral 25.000<\/p>\n

Incapac.Pte.Absoluta per Acc.Laboral 25.000<\/p>\n

 <\/p>\n

-Conveni construcci\u00f3 provincial<\/strong><\/p>\n

Mort Natural 2.000<\/p>\n

Mort Laboral 47.000<\/p>\n

Mort No laboral 2.000<\/p>\n

Mort Malaltia Professional 47.000<\/p>\n

Incapac. Pte Total per Acc Laboral 28.000<\/p>\n

Incapac. Pte Absoluta per Acc Laboral 47.000<\/p>\n

Gran Invalidesa per Acc Laboral 47.000<\/p>\n

Incapac Pte Total per Malaltia. Professional 28.000<\/p>\n

Incapac Pte Absoluta per Malaltia. Professional 47.000<\/p>\n

Gran Invalidesa Malaltia Professional 47.000<\/p>\n

 <\/p>\n

-Conveni comer\u00e7 al detall<\/strong><\/p>\n

Mort Laboral 30.000<\/p>\n

Incapac. Pte.Total per Acc. Laboral 30.000<\/p>\n

Incapac Pte Absoluta per Acc Laboral 30.000<\/p>\n

Gran Invalidesa per Acc Laboral 30.000<\/p>\n

Mort per qualsevol causa, per a majors de 45 anys i m\u00e9s de 10 anys.<\/p>\n

-Conveni Agropecuari de Catalunya<\/strong><\/p>\n

Mort Laboral 20.000<\/p>\n

Mort Malaltia Professional 20.000<\/p>\n

Incapac. Pte Parcial per Acc Laboral 20.000<\/p>\n

Incapac. Pte Total per Acc Laboral 20.000<\/p>\n

Incapac Pte Absoluta per Acc Laboral 20.000<\/p>\n

Gran Invalidesa per Acc Laboral 20.000<\/p>\n

Incapac. Pte Total per Malalt. Professional<\/p>\n

Incapac.Pte.Absoluta per Enferm. Professional 20.000<\/p>\n

Incapac. Pte. Parcial per Enfer,. Professional 20.000<\/p>\n

Gran Invalidesa Malaltia Professional 20.000<\/p>\n

 <\/p>\n

-Conveni de Neteja d’edificis i locals<\/strong><\/p>\n

Mort Laboral 7.500<\/p>\n

Incapac. Pte Absoluta per Acc Laboral 7.500<\/p>\n

Gran Invalidesa per Acc. Laboral 7.500<\/p>\n

 <\/p>\n

-Conveni del comer\u00e7 del moble Catalunya<\/strong><\/p>\n

Mort Laboral 24.000<\/p>\n

Incapacitat Pte Abs per Acc Laboral 24.000<\/p>\n

 <\/p>\n

 <\/p>\n

Qu\u00e8 passar\u00e0 si no tinc contractada lasseguran\u00e7a daccidents de conveni?<\/h3>\n

Que haur\u00e9 d’indemnitzar el perjudicat o la fam\u00edlia de la persona morta directament del compte d’explotaci\u00f3 de l’empresa, amb les conseq\u00fc\u00e8ncies que aix\u00f2 pot generar.<\/p>\n

 <\/p>\n

Com tenir actualitzada l’asseguran\u00e7a de conveni<\/h3>\n

La manera de tenir el contracte d’asseguran\u00e7a actualitzada i preparada per indemnitzar en cas de sinistre \u00e9s tenir la precauci\u00f3 cada anualitat d’asseguran\u00e7a de regularitzar els treballadors que estan donats d’alta al TC2 dels darrers 12 mesos. I despr\u00e9s d’aix\u00f2 l’asseguradora generar\u00e0 un c\u00e0rrec o un extorn de prima per les modificacions, que vindr\u00e0 per l’augment o la disminuci\u00f3 de treballadors assegurats davant dels reals.<\/p>\n

Les companyies d’assegurances de manera autom\u00e0tica ja adaptessin els capitals i les garanties si el conveni col\u00b7lectiu es canvi\u00e9s o ampli\u00e9s.<\/p>\n

 <\/p>\n

Totes les asseguradores cobreixen els mateixos?<\/h3>\n

S\u00ed, tot segura d’accidents de conveni ha de reflectir les garanties, capitals i prestacions recollides al conveni referenciat, \u00e9s m\u00e9s s’adapten a les modificacions que temporalment va realitzant el conveni, sense necessitat que l’assegurat hagi de fer cap gesti\u00f3.<\/p>\n

Com saber si necessito una asseguran\u00e7a d’accidents de conveni a la meva empresa?
\nEl m\u00e9s f\u00e0cil i r\u00e0pid\u00a0 contactar<\/a><\/strong>, escriu-nos i et respondrem amb solucions.<\/p>\n

Marc Conesa<\/a><\/strong><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

    Com a empresari estic obligat a complir una s\u00e8rie de requisits i regulacions davant dels meus clients, davant de l’Administraci\u00f3 P\u00fablica i davant […]<\/p>\n","protected":false},"author":1,"featured_media":2740,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-2739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-ca"],"yoast_head":"\nCom a empresari estic obligat a tenir una asseguran\u00e7a d'accidents de conveni? - Caralt i Conesa<\/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:\/\/caralticonesa.com\/ca\/com-a-empresari-estic-obligat-a-tenir-una-asseguranca-daccidents-de-conveni\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Com a empresari estic obligat a tenir una asseguran\u00e7a d'accidents de conveni? 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