{"id":29121,"date":"2026-10-27T20:06:27","date_gmt":"2026-10-27T18:06:27","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/qui-paga-els-danys-per-tumults\/"},"modified":"2026-10-27T20:06:27","modified_gmt":"2026-10-27T18:06:27","slug":"qui-paga-els-danys-per-tumults","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/qui-paga-els-danys-per-tumults\/","title":{"rendered":"Qui paga els danys per tumults?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h2 class=\"p1\"><b>Estan els comer\u00e7os preparats per afrontar els danys d\u2019uns disturbis?<\/b><\/h2>\n<p>\n[\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]<em>29\/10\/26<\/em>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<em>El Col\u00b7legi adverteix de la import\u00e0ncia, com a mediador, d\u2019estar en contacte amb el client i revisar que la cobertura de les assegurances sigui l\u2019adequada<\/em>[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1793124124051{margin-bottom: 20px !important;}&#8221;]<\/p>\n<p class=\"p2\">Els recents aldarulls a Barcelona, que han afectat establiments comercials, aparadors i altres b\u00e9ns, posen sobre la taula una q\u00fcesti\u00f3 que molts propietaris de negocis no es plantegen fins que pateixen un sinistre: <b>respondria la meva asseguran\u00e7a si la meva botiga fos objecte d\u2019actes vand\u00e0lics, destrosses o saquejos?<\/b><b><\/b><\/p>\n<p><\/p>\n<p class=\"p2\">Davant d\u2019aquesta situaci\u00f3, el Col\u00b7legi de Mediadors d\u2019Assegurances de Barcelona vol cridar l\u2019atenci\u00f3 dels comerciants sobre la import\u00e0ncia de comptar amb una p\u00f2lissa adaptada als riscos reals de la seva activitat i dels mediadors sobre la import\u00e0ncia d\u2019estar en contacte amb els clients en moments tan preocupants per a ells.<\/p>\n<p><\/p>\n<p class=\"p2\"><b>Tenir una asseguran\u00e7a no significa necess\u00e0riament estar cobert davant de qualsevol situaci\u00f3.<\/b> Les garanties contractades, els l\u00edmits d\u2019indemnitzaci\u00f3 i les exclusions poden determinar quins danys queden protegits i quins haur\u00e0 d\u2019assumir el propietari del negoci.<\/p>\n<p><\/p>\n<p class=\"p3\"><b>Revisar les assegurances<\/b><\/p>\n<p><\/p>\n<p class=\"p2\">Un aparador destrossat, l\u2019entrada for\u00e7ada a un establiment, mercaderia robada o equips inform\u00e0tics inutilitzats poden suposar un perjudici econ\u00f2mic important. Per aix\u00f2, el Col\u00b7legi adverteix els assegurats que \u00e9s recomanable prestar una atenci\u00f3 especial a cinc aspectes:<\/p>\n<p><\/p>\n<p class=\"p2\"><b>1. Actes vand\u00e0lics i danys malintencionats.<\/b> Comprovar quins desperfectes cobreix la p\u00f2lissa quan s\u00f3n causats intencionadament per tercers i quines exclusions contempla.<\/p>\n<p><\/p>\n<p class=\"p2\"><b>2. Robatori i saqueig.<\/b> Revisar les garanties de robatori, els danys ocasionats per accedir a l\u2019establiment i els l\u00edmits d\u2019indemnitzaci\u00f3 de les mercaderies sostretes.<\/p>\n<p><\/p>\n<p class=\"p2\"><b>3. Aparadors, vidres i instal\u00b7lacions.<\/b> Verificar la protecci\u00f3 de vidres, portes, tancaments, mobiliari, maquin\u00e0ria i equips electr\u00f2nics.<\/p>\n<p><\/p>\n<p class=\"p2\"><b>4. Valor de les mercaderies.<\/b> Comprovar que els capitals assegurats corresponen al valor real de les exist\u00e8ncies, especialment en comer\u00e7os que acumulen m\u00e9s producte en determinades \u00e8poques de l\u2019any.<\/p>\n<p><\/p>\n<p class=\"p2\"><b>5. P\u00e8rdua d\u2019ingressos pel tancament del negoci.<\/b> Analitzar si es disposa d\u2019una cobertura de p\u00e8rdua de beneficis o interrupci\u00f3 de l\u2019activitat i en quines circumst\u00e0ncies s\u2019activa. Perqu\u00e8 el perjudici no sempre s\u2019acaba quan es reparen els desperfectes: un comer\u00e7 que no pot obrir tamb\u00e9 deixa de facturar.<\/p>\n<p><\/p>\n<p class=\"p2\">Les botigues s\u00f3n molt diferents entre si. No tenen les mateixes necessitats una joieria, una botiga de roba, una farm\u00e0cia o un establiment d\u2019alimentaci\u00f3. La ubicaci\u00f3, el tipus de mercaderia, les instal\u00b7lacions i l\u2019activitat determinen els riscos als quals est\u00e0 exposat cada comer\u00e7.<\/p>\n<p><\/p>\n<p class=\"p2\"><b>Aqu\u00ed \u00e9s on l\u2019agent o corredor d\u2019assegurances exerceix un paper fonamental.<\/b> La seva feina no consisteix \u00fanicament a oferir una p\u00f2lissa, sin\u00f3 a analitzar el negoci, identificar-ne els riscos i recomanar les garanties i els capitals adequats.<\/p>\n<p><\/p>\n<p class=\"p2\">El Col\u00b7legi recorda que revisar peri\u00f2dicament l\u2019asseguran\u00e7a amb un professional \u00e9s especialment important quan es fan reformes, s\u2019incorporen equips o augmenta el valor de les exist\u00e8ncies.<\/p>\n<p><\/p>\n<p class=\"p2\"><b>La millor p\u00f2lissa no \u00e9s necess\u00e0riament la m\u00e9s barata, sin\u00f3 la que respon a les necessitats reals del negoci.<\/b><b><\/b><\/p>\n<p><\/p>\n<p class=\"p2\">La cobertura dependr\u00e0 de les circumst\u00e0ncies dels fets i de les garanties contractades. En determinats sup\u00f2sits, els danys poden correspondre al <b>Consorci de Compensaci\u00f3 d\u2019Assegurances<\/b> si els esdeveniments reuneixen els requisits legals per ser considerats tumult popular.<\/p>\n<p><\/p>\n<p class=\"p2\">Aquesta qualificaci\u00f3 no \u00e9s autom\u00e0tica i s\u2019ha d\u2019analitzar d\u2019acord amb la normativa aplicable.<\/p>\n<p><\/p>\n<p class=\"p2\">Per aix\u00f2, davant de qualsevol dany, <b>el primer pas del comerciant ha de ser contactar amb el seu agent o corredor d\u2019assegurances<\/b>, que s\u2019encarregar\u00e0 de revisar la p\u00f2lissa, tramitar el sinistre i determinar la via de reclamaci\u00f3 que correspongui, ja sigui davant de l\u2019asseguradora o del Consorci.<\/p>\n<p><\/p>\n<p class=\"p2\">Tamb\u00e9 \u00e9s important fotografiar els desperfectes, conservar les factures i justificants, denunciar els robatoris o actes delictius i documentar les actuacions urgents necess\u00e0ries per evitar danys majors.<\/p>\n<p><\/p>\n<p class=\"p3\"><b>Qu\u00e8 han de fer els afectats?<\/b><\/p>\n<p><\/p>\n<p class=\"p2\">Per facilitar la tramitaci\u00f3 dels sinistres, el Col\u00b7legi recomana seguir una s\u00e8rie de passos:<\/p>\n<ul class=\"ul1\">\n<li class=\"li2\"><b>Documentar els danys.<\/b> Fer fotografies i v\u00eddeos dels desperfectes abans de retirar o reparar els elements danyats, sempre que sigui segur fer-ho.<\/li>\n<li class=\"li2\"><b>Comunicar el sinistre com m\u00e9s aviat millor.<\/b> Contactar amb el mediador d\u2019assegurances o la companyia asseguradora i facilitar la informaci\u00f3 disponible sobre el que ha passat.<\/li>\n<li class=\"li2\"><b>Conservar les proves.<\/b> Guardar factures, pressupostos de reparaci\u00f3, justificants dels b\u00e9ns danyats i qualsevol altre document que permeti acreditar les p\u00e8rdues.<\/li>\n<li class=\"li2\"><b>Presentar una den\u00fancia.<\/b> Si s\u2019han produ\u00eft actes vand\u00e0lics, robatoris o altres fets que puguin constituir una infracci\u00f3 penal, conv\u00e9 conservar la den\u00fancia i facilitar-la a l\u2019asseguradora quan sigui necessari.<\/li>\n<li class=\"li2\"><b>No llen\u00e7ar els b\u00e9ns danyats sense haver-los documentat.<\/b> En la mesura del possible, cal esperar a rebre instruccions de l\u2019asseguradora o del p\u00e8rit, excepte que sigui imprescindible actuar per evitar riscos o danys majors.<\/li>\n<li class=\"li2\"><b>Consultar abans d\u2019assumir que no hi ha cobertura.<\/b> La interpretaci\u00f3 de les garanties i la identificaci\u00f3 de la via de reclamaci\u00f3 adequada poden ser determinants per defensar els drets del perjudicat.<\/li>\n<\/ul>\n<p><\/p>\n<p class=\"p3\"><b>La prevenci\u00f3 tamb\u00e9 forma part de l\u2019asseguran\u00e7a<\/b><\/p>\n<p><\/p>\n<p class=\"p2\">Des del Col\u00b7legi de Mediadors d\u2019Assegurances de Barcelona s\u2019insisteix que el moment de comprovar si un comer\u00e7 est\u00e0 correctament assegurat no hauria de ser despr\u00e9s de patir un sinistre.<\/p>\n<p><\/p>\n<p class=\"p2\"><b>Un agent o corredor d\u2019assegurances pot detectar avui una manca de cobertura que dem\u00e0 suposi una p\u00e8rdua econ\u00f2mica important.<\/b><b><\/b><\/p>\n<p><\/p>\n<p class=\"p2\">Per aix\u00f2, el Col\u00b7legi anima els propietaris de botigues i establiments comercials a revisar les seves p\u00f2lisses amb el seu agent o corredor d\u2019assegurances i comprovar que la protecci\u00f3 contractada respon a la realitat actual del seu negoci.<\/p>\n<p><\/p>\n<p class=\"p2\"><b>Perqu\u00e8 quan es produeix un sinistre, l\u2019important no \u00e9s simplement tenir una asseguran\u00e7a. \u00c9s tenir l\u2019asseguran\u00e7a que necessites.<\/b><b><\/b><\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][stm_spacing lg_spacing=&#8221;50&#8243; md_spacing=&#8221;50&#8243; sm_spacing=&#8221;50&#8243; xs_spacing=&#8221;50&#8243;][vc_column_text]<\/p>\n<h2>\u00daltimes not\u00edcies<\/h2>\n<p>\n[\/vc_column_text][stm_news loop=&#8221;size:4|order_by:date|order:DESC|post_type:post|categories:8&#8243; posts_per_row=&#8221;2&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] Estan els comer\u00e7os preparats per afrontar els danys d\u2019uns disturbis? [\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]29\/10\/26[\/vc_column_text][vc_column_text css=&#8221;&#8221;]El Col\u00b7legi adverteix de la import\u00e0ncia, com a mediador, d\u2019estar en contacte amb el client i revisar que la cobertura de les assegurances sigui l\u2019adequada[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1793124124051{margin-bottom: 20px !important;}&#8221;] Els recents aldarulls a Barcelona, que<\/p>\n","protected":false},"author":562,"featured_media":29118,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2223],"class_list":["post-29121","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mn-308"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qui paga els danys per tumults? - Col-legi de Mediadors d&#039;Assegurances de Barcelona<\/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:\/\/www.elcol-legi.org\/w\/qui-paga-els-danys-per-tumults\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qui paga els danys per tumults? - Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] Estan els comer\u00e7os preparats per afrontar els danys d\u2019uns disturbis? [\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]29\/10\/26[\/vc_column_text][vc_column_text css=&#8221;&#8221;]El Col\u00b7legi adverteix de la import\u00e0ncia, com a mediador, d\u2019estar en contacte amb el client i revisar que la cobertura de les assegurances sigui l\u2019adequada[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1793124124051{margin-bottom: 20px !important;}&#8221;] Els recents aldarulls a Barcelona, que\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.elcol-legi.org\/w\/qui-paga-els-danys-per-tumults\/\" \/>\n<meta property=\"og:site_name\" content=\"Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-27T18:06:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2026\/10\/florian-olivo-9_s9txqplgM-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1707\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marc Alcaraz\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marc Alcaraz\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/qui-paga-els-danys-per-tumults\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/qui-paga-els-danys-per-tumults\\\/\"},\"author\":{\"name\":\"Marc Alcaraz\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#\\\/schema\\\/person\\\/4283d40fbd72a940d5fff484fe5ec410\"},\"headline\":\"Qui paga els danys per tumults?\",\"datePublished\":\"2026-10-27T18:06:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/qui-paga-els-danys-per-tumults\\\/\"},\"wordCount\":1139,\"image\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/qui-paga-els-danys-per-tumults\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/florian-olivo-9_s9txqplgM-unsplash-scaled.jpg\",\"keywords\":[\"MN 308\"],\"articleSection\":[\"Not\u00edcies\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/qui-paga-els-danys-per-tumults\\\/\",\"url\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/qui-paga-els-danys-per-tumults\\\/\",\"name\":\"Qui paga els danys per tumults? 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