{"id":4523,"date":"2023-01-05T08:21:53","date_gmt":"2023-01-05T06:21:53","guid":{"rendered":"https:\/\/www.wenalyze.com\/?p=4523"},"modified":"2025-06-18T15:21:42","modified_gmt":"2025-06-18T15:21:42","slug":"tendencias-en-los-seguros-comerciales-para-este-2023","status":"publish","type":"post","link":"https:\/\/wenalyze.com\/es\/blog-es\/tendencias-en-los-seguros-comerciales-para-este-2023\/","title":{"rendered":"Tendencias en los seguros comerciales para este 2023: IA, InsurTech y m\u00e1s."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4523\" class=\"elementor elementor-4523\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21100dfa e-flex e-con-boxed e-con e-parent\" data-id=\"21100dfa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-766e02f1 elementor-widget elementor-widget-text-editor\" data-id=\"766e02f1\" 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>El <strong>contexto econ\u00f3mico actual<\/strong> marcar\u00e1 las tendencias de este 2023. A medida que las<a href=\"https:\/\/elitebusinessmagazine.co.uk\/technology\/item\/four-steps-smes-should-take-to-navigate-economic-uncertainty\"> <strong>PYMEs se enfrentan a nuevos desaf\u00edos<\/strong><\/a>, sus <strong>seguros juegan un papel cr\u00edtico:<\/strong> desde ayudar a las empresas a protegerse contra posibles p\u00e9rdidas hasta gestionar riesgos y cumplir con regulaciones.<\/p><p>Hoy, nos centraremos en estas<strong> 4 tendencias para este 2023 <\/strong>y su impacto en la manera en que las <strong>PYMES comprar\u00e1n y gestionar\u00e1n su cobertura de seguros este a\u00f1o: <\/strong><\/p><h2>1. La creciente popularidad de la IA<\/h2><p>La <strong><a href=\"https:\/\/www.wenalyze.com\/es\/el-papel-de-la-ia-en-los-seguros-comerciales\/\">IA<\/a><\/strong> se est\u00e1 utilizando en<strong> diversas aplicaciones \u00faltimamente<\/strong>, as\u00ed como tambi\u00e9n ha llegado al <strong><a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/xe\/Documents\/financial-services\/Artificial-Intelligence-in-Insurance.pdf\">sector de los seguros comerciales<\/a><\/strong>. Los profesionales del seguro la utilizan para analizar grandes cantidades de datos y basar su <strong>evaluaci\u00f3n de riesgos <\/strong>y <strong>establecimiento de primas<\/strong> en informaci\u00f3n obtenida en tiempo real.<\/p><p>Tambi\u00e9n, la IA se puede utilizar para <strong>automatizar tareas rutinarias<\/strong>. Seg\u00fan <strong>Accenture<\/strong> en <a href=\"https:\/\/www.accenture.com\/es-es\/insightsnew\/insurance\/ai-transforming-claims-underwriting\"><strong>este informe<\/strong><\/a>, los <strong>gastos<\/strong> derivados de la baja eficiencia al realizar estas tareas pueden alcanzar los <strong>$85-$160 mil millones<\/strong> en los<strong> pr\u00f3ximos 5 a\u00f1os<\/strong>. Esto es debido a que los profesionales del seguro pasan el <strong>40% de su tiempo en actividades que no son esenciales.<\/strong><\/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-1a8bb93 elementor-widget elementor-widget-image\" data-id=\"1a8bb93\" 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=\"800\" height=\"534\" src=\"https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/AI-in-commercial-insurance-with-Wenalyze-e1672820306895-1024x683.jpg\" class=\"attachment-large size-large wp-image-8320\" alt=\"\" srcset=\"https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/AI-in-commercial-insurance-with-Wenalyze-e1672820306895-1024x683.jpg 1024w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/AI-in-commercial-insurance-with-Wenalyze-e1672820306895-300x200.jpg 300w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/AI-in-commercial-insurance-with-Wenalyze-e1672820306895-768x512.jpg 768w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/AI-in-commercial-insurance-with-Wenalyze-e1672820306895.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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 class=\"elementor-element elementor-element-dcea240 elementor-widget elementor-widget-text-editor\" data-id=\"dcea240\" 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<h2><span style=\"color: inherit; font-family: inherit; font-size: 2rem; letter-spacing: 0px; word-spacing: 0em;\">2. Enfoque en la gesti\u00f3n de riesgos<\/span><\/h2><p>A medida que las <strong>PYMES<\/strong> se enfrentan a un <strong>panorama de riesgos cada vez m\u00e1s complejo,<\/strong> las aseguradoras reconocen la <strong><a href=\"https:\/\/life.futuregenerali.in\/life-insurance-made-simple\/savings-investments\/role-of-insurance-in-risk-management\/\">importancia de realizar una gesti\u00f3n proactiva de estos<\/a><\/strong>. Esto incluye<strong> controles y procesos internos<\/strong> para <strong>reducir p\u00e9rdidas<\/strong>.<\/p><p>Adem\u00e1s, las <strong>compa\u00f1\u00edas de seguros<\/strong> cada vez ofrecen m\u00e1s <strong>servicios de gesti\u00f3n de riesgos<\/strong> para ayudar a las empresas a identificar y mitigar riesgos potenciales de antemano.<\/p><h2>3. Mayor uso de la anal\u00edtica de datos<\/h2><p>Las compa\u00f1\u00edas de seguros llevan ya unos a\u00f1os<a href=\"https:\/\/www.wenalyze.com\/es\/datos-abiertos-5-razones-para-incorporarlos-en-tu-aseguradora\/\"> empleando anal\u00edtica de datos<\/a>. De este modo, son capaces de <strong>entender mejor a sus clientes<\/strong>, <strong>automatizar procesos<\/strong> y <strong>evaluar riesgos<\/strong>, entre otras tareas.<\/p><p>As\u00ed mismo, al recopilar y analizar datos de una amplia gama de factores distintos, pueden <strong><a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/how-data-and-analytics-are-redefining-excellence-in-p-and-c-underwriting\">evaluar de manera m\u00e1s precisa<\/a><\/strong> la probabilidad de <strong>p\u00e9rdidas<\/strong> y <strong>establecer primas<\/strong> en consecuencia. Se espera que esta tendencia contin\u00fae en el 2023, ya que las <strong><a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/insurance-2030-the-impact-of-ai-on-the-future-of-insurance\">compa\u00f1\u00edas de seguros cada vez m\u00e1s dependen de la anal\u00edtica de big data<\/a><\/strong> para tomar decisiones de valoraci\u00f3n.<\/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-0fa8d26 elementor-widget elementor-widget-image\" data-id=\"0fa8d26\" 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=\"800\" height=\"534\" src=\"https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/Data-Analytics-in-Commercial-Insurance-e1672823393230-1024x683.jpg\" class=\"attachment-large size-large wp-image-9465\" alt=\"\" srcset=\"https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/Data-Analytics-in-Commercial-Insurance-e1672823393230-1024x683.jpg 1024w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/Data-Analytics-in-Commercial-Insurance-e1672823393230-300x200.jpg 300w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/Data-Analytics-in-Commercial-Insurance-e1672823393230-768x512.jpg 768w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/Data-Analytics-in-Commercial-Insurance-e1672823393230.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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 class=\"elementor-element elementor-element-be5717f elementor-widget elementor-widget-text-editor\" data-id=\"be5717f\" 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<h2><span style=\"color: inherit; font-family: inherit; font-size: 2rem; letter-spacing: 0px; word-spacing: 0em;\">4. El auge de las InsurTech<\/span><\/h2><p>Las empresas InsurTech est\u00e1n <strong>revolucionando la industria del seguro tradicional <\/strong>al utilizar tecnolog\u00eda para <strong><a href=\"https:\/\/aws.amazon.com\/blogs\/awsmarketplace\/innovating-insurance-value-chain-insurtechs\/\">simplificar la cadena de valor del seguro.<\/a> <\/strong><\/p><p>Adem\u00e1s, <strong><a href=\"https:\/\/www.wenalyze.com\/es\/insurtechs-confianza-de-aseguradoras\/\">muchas InsurTech<\/a><\/strong> ofrecen plataformas digitales que permiten a los profesionales del seguro <strong>clasificar a los clientes<\/strong>, <strong>obtener los datos m\u00e1s actualizados<\/strong> o <strong>personalizar p\u00f3lizas.<\/strong> El <strong>crecimiento en las colaboraciones<\/strong> entre grandes aseguradoras y soluciones InsurTech est\u00e1 haciendo que las primeras <strong>aumenten el ROI en un 10%. <\/strong><\/p><p>En general, la industria del seguro comercial experimentar\u00e1 un <strong>cambio significativo durante este 2023. <\/strong>Si eres un profesional del seguro que busca conocer las \u00faltimas novedades, <strong>es importante estar al tanto de estas tendencias<\/strong> y c\u00f3mo pueden afectar a tu negocio.<\/p><p>Mantente al tanto de las \u00faltimas tendencias en seguros contact\u00e1ndonos en <strong><a href=\"mailto:wenalyze@wenalyze.com\">wenalyze@wenalyze.com<\/a><\/strong> ahora mismo.<\/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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>El contexto econ\u00f3mico actual marcar\u00e1 las tendencias de este 2023. A medida que las PYMEs se enfrentan a nuevos desaf\u00edos, sus seguros juegan un papel cr\u00edtico: desde ayudar a las empresas a protegerse contra posibles p\u00e9rdidas hasta gestionar riesgos y cumplir con regulaciones. Hoy, nos centraremos en estas 4 tendencias para este 2023 y su [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7959,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1132],"tags":[992,950,925,976,989,993,994,880,915,902,995],"class_list":["post-4523","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-es","tag-992","tag-ai-es","tag-analitica-de-datos-es","tag-aseguradoras-es","tag-big-data-es","tag-gestion-de-riesgo-es","tag-ia-es","tag-insurtech-es","tag-pymes-es","tag-seguros-comerciales-es","tag-tendencias-es"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tendencias en los seguros comerciales para este 2023<\/title>\n<meta name=\"description\" content=\"La situaci\u00f3n econ\u00f3mica marcar\u00e1 este a\u00f1o. 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