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    Cobertura de autos contratados y no propios (HNOA): qué cubre y quién la necesitaLa HNOA cubre a su negocio cuando alquila un auto o un empleado usa el suyo en el trabajo. Cómo paga, qué excluye y dónde comprarla.Oct 24, 2026Empleados que manejan su propio auto por trabajo: ¿quién responde?Si un empleado choca su auto personal en un mandado de trabajo, él y el empleador pueden responder. Qué seguro paga primero, los huecos y qué política adoptar.Oct 24, 2026Seguro de auto comercial: qué cubre y qué deja fueraCómo funciona la póliza de auto comercial: responsabilidad civil, daños físicos, quién es asegurado, qué vehículos cubre, huecos comunes y qué fija la prima.Oct 24, 2026

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