{"id":412,"date":"2014-11-17T16:26:26","date_gmt":"2014-11-17T14:26:26","guid":{"rendered":"http:\/\/www.mcasadellapol.cat\/?page_id=412"},"modified":"2025-09-12T13:13:00","modified_gmt":"2025-09-12T12:13:00","slug":"rams-tecnics","status":"publish","type":"page","link":"https:\/\/www.mcasadellapol.cat\/?page_id=412","title":{"rendered":"Rams T\u00e8cnics"},"content":{"rendered":"<p data-start=\"285\" data-end=\"672\">Sota el nom de <strong data-start=\"300\" data-end=\"318\">\u201crams t\u00e8cnics\u201d<\/strong> s\u2019inclou un conjunt d\u2019assegurances especialitzades que tenen com a objectiu protegir instal\u00b7lacions, maquin\u00e0ria, equips i projectes davant riscos molt concrets. S\u00f3n assegurances pensades especialment per a empreses industrials, de serveis i del sector de la construcci\u00f3, per\u00f2 tamb\u00e9 \u00fatils per a qualsevol negoci que depengui de maquin\u00e0ria o tecnologia.<\/p>\n<h3 data-start=\"674\" data-end=\"721\">Tipus principals d\u2019assegurances t\u00e8cniques<\/h3>\n<ul data-start=\"722\" data-end=\"1699\">\n<li data-start=\"722\" data-end=\"997\">\n<p data-start=\"724\" data-end=\"997\"><strong data-start=\"724\" data-end=\"770\">Construcci\u00f3 (CAR \u2013 Construction All Risks)<\/strong>: cobreix els danys i imprevistos que poden sorgir durant l\u2019execuci\u00f3 d\u2019una obra (incendis, robatoris, fen\u00f2mens atmosf\u00e8rics, errors de muntatge, etc.). Inclou tant els materials com la responsabilitat civil derivada de l\u2019obra.<\/p>\n<\/li>\n<li data-start=\"998\" data-end=\"1157\">\n<p data-start=\"1000\" data-end=\"1157\"><strong data-start=\"1000\" data-end=\"1039\">Muntatge (EAR \u2013 Erection All Risks)<\/strong>: destinada a cobrir els riscos durant el muntatge i instal\u00b7laci\u00f3 de maquin\u00e0ria, plantes industrials o grans equips.<\/p>\n<\/li>\n<li data-start=\"1158\" data-end=\"1317\">\n<p data-start=\"1160\" data-end=\"1317\"><strong data-start=\"1160\" data-end=\"1184\">Avaria de maquin\u00e0ria<\/strong>: protegeix les empreses davant les avaries sobtades i imprevisibles de les seves m\u00e0quines, fossin o no causades per errors humans.<\/p>\n<\/li>\n<li data-start=\"1318\" data-end=\"1509\">\n<p data-start=\"1320\" data-end=\"1509\"><strong data-start=\"1320\" data-end=\"1342\">Equips electr\u00f2nics<\/strong>: cobreix els danys o avaries d\u2019ordinadors, servidors, equips m\u00e8dics, maquin\u00e0ria electr\u00f2nica o sistemes de comunicaci\u00f3, tant dins l\u2019empresa com quan s\u00f3n traslladats.<\/p>\n<\/li>\n<li data-start=\"1510\" data-end=\"1699\">\n<p data-start=\"1512\" data-end=\"1699\"><strong data-start=\"1512\" data-end=\"1554\">P\u00e8rdua de beneficis derivada d\u2019avaries<\/strong>: complementa l\u2019asseguran\u00e7a de maquin\u00e0ria o equips electr\u00f2nics per compensar la p\u00e8rdua d\u2019ingressos quan una avaria obliga a aturar l\u2019activitat.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"1701\" data-end=\"1730\">Per qu\u00e8 s\u00f3n importants?<\/h3>\n<ul data-start=\"1731\" data-end=\"2172\">\n<li data-start=\"1731\" data-end=\"1856\">\n<p data-start=\"1733\" data-end=\"1856\"><strong data-start=\"1733\" data-end=\"1768\">Protegeixen inversions elevades<\/strong>: la maquin\u00e0ria i els equips solen ser una de les principals inversions d\u2019una empresa.<\/p>\n<\/li>\n<li data-start=\"1857\" data-end=\"2004\">\n<p data-start=\"1859\" data-end=\"2004\"><strong data-start=\"1859\" data-end=\"1898\">Asseguren la continu\u00eftat del negoci<\/strong>: una avaria o imprevist t\u00e8cnic pot provocar p\u00e8rdues econ\u00f2miques molt superiors al cost de la reparaci\u00f3.<\/p>\n<\/li>\n<li data-start=\"2005\" data-end=\"2172\">\n<p data-start=\"2007\" data-end=\"2172\"><strong data-start=\"2007\" data-end=\"2034\">S\u2019adapten a cada sector<\/strong>: no \u00e9s el mateix protegir una constructora que una cl\u00ednica amb equips m\u00e8dics d\u2019alta tecnologia o una empresa TIC amb servidors cr\u00edtics.<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"2174\" data-end=\"2177\" \/>\n<p data-start=\"2179\" data-end=\"2489\">\ud83d\udc49 En resum, les assegurances de rams t\u00e8cnics s\u00f3n imprescindibles per a empreses que depenen de la seva tecnologia, equips o processos productius. Amb una cobertura adequada, es garanteix la <strong data-start=\"2370\" data-end=\"2400\">continu\u00eftat de l\u2019activitat<\/strong> i la protecci\u00f3 d\u2019una de les parts m\u00e9s valuoses del negoci: la infraestructura t\u00e8cnica.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sota el nom de \u201crams t\u00e8cnics\u201d s\u2019inclou un conjunt d\u2019assegurances especialitzades que tenen com a objectiu protegir instal\u00b7lacions, maquin\u00e0ria, e<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":42,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"fullwidth.php","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-412","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/412","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=412"}],"version-history":[{"count":5,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/412\/revisions"}],"predecessor-version":[{"id":3276,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/412\/revisions\/3276"}],"up":[{"embeddable":true,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/42"}],"wp:attachment":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}