{"id":4539,"date":"2023-01-19T08:02:24","date_gmt":"2023-01-19T06:02:24","guid":{"rendered":"https:\/\/www.wenalyze.com\/?p=4539"},"modified":"2025-06-18T15:18:51","modified_gmt":"2025-06-18T15:18:51","slug":"los-datos-abiertos-estan-transformando-los-seguros-comerciales","status":"publish","type":"post","link":"https:\/\/wenalyze.com\/es\/blog-es\/los-datos-abiertos-estan-transformando-los-seguros-comerciales\/","title":{"rendered":"Los datos abiertos est\u00e1n transformando los seguros comerciales"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4539\" class=\"elementor elementor-4539\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-efa2a43 e-flex e-con-boxed e-con e-parent\" data-id=\"efa2a43\" 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-df56620 elementor-widget elementor-widget-text-editor\" data-id=\"df56620\" 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>La industria de los seguros comerciales se encuentra en el punto de mira, y el uso de la<strong> <a href=\"https:\/\/www.infinitech-h2020.eu\/blog\/7-blog\/111-the-future-of-open-data-and-its-use-in-the-insurance-industry\">anal\u00edtica de datos abiertos<\/a><\/strong> (u open data) ser\u00e1 un factor determinante para su \u00e9xito futuro. En esta entrada, discutiremos<strong> 3 puntos clave<\/strong> sobre c\u00f3mo las nuevas tecnolog\u00edas, y concretamente lo datos abiertos u open data, est\u00e1n influyendo en el sector.<\/p><h2>La evaluaci\u00f3n de riesgos tradicional ya no es suficiente<\/h2>\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-180470b elementor-widget elementor-widget-image\" data-id=\"180470b\" 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\/pexels-karolina-grabowska-4386366-e1674039845908-1024x683.jpg\" class=\"attachment-large size-large wp-image-9459\" alt=\"\" srcset=\"https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/pexels-karolina-grabowska-4386366-e1674039845908-1024x683.jpg 1024w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/pexels-karolina-grabowska-4386366-e1674039845908-300x200.jpg 300w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/pexels-karolina-grabowska-4386366-e1674039845908-768x512.jpg 768w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/pexels-karolina-grabowska-4386366-e1674039845908.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-e469dc9 elementor-widget elementor-widget-text-editor\" data-id=\"e469dc9\" 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><span style=\"letter-spacing: 0px; word-spacing: 0em;\">Como ya mencionamos anteriormente, la<\/span><strong style=\"letter-spacing: 0px; word-spacing: 0em;\"> econom\u00eda se enfrenta a desaf\u00edos<\/strong><span style=\"letter-spacing: 0px; word-spacing: 0em;\"> que<\/span><strong style=\"letter-spacing: 0px; word-spacing: 0em;\"> <a href=\"https:\/\/www.wenalyze.com\/es\/tendencias-en-los-seguros-comerciales-para-este-2023\/\">afectan directamente a la forma en que las empresas operan<\/a><\/strong><span style=\"letter-spacing: 0px; word-spacing: 0em;\">, especialmente a la de las peque\u00f1as y medianas empresas. Esta complejidad en los riesgos puede llegar a exponer a aquellas<\/span><strong style=\"letter-spacing: 0px; word-spacing: 0em;\"> aseguradoras cuyos datos no est\u00e9n actualizados<\/strong><span style=\"letter-spacing: 0px; word-spacing: 0em;\"> y, por lo tanto, no sean correctos.<\/span><\/p><p>Los m\u00e9todos de evaluaci\u00f3n de riesgos tradicionales se basan en <strong>informaci\u00f3n antiguos y bases de datos,<\/strong> que no reflejan el entorno empresarial actual. Esto da lugar a p\u00e9rdidas potenciales. Una soluci\u00f3n es implementar software de <strong><a href=\"https:\/\/www.wenalyze.com\/es\/open-data-para-mejorar-ratio-de-siniestralidad\/\">an\u00e1lisis de datos abiertos<\/a><\/strong> para acceder r\u00e1pidamente a grandes cantidades de datos y <strong>tomar decisiones basadas en <a href=\"https:\/\/insuranceblog.accenture.com\/open-insurance-unlocks-the-data-treasure-trove\">informaci\u00f3n en tiempo real. <\/a><\/strong><\/p><figure><\/figure><h2>Las consecuencias de no implementar anal\u00edtica de datos en los seguros comerciales<\/h2>\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-3344eaa elementor-widget elementor-widget-image\" data-id=\"3344eaa\" 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\/The-negative-impact-of-not-implementing-open-data-in-commercial-insurance-e1674039222388-1024x683.jpg\" class=\"attachment-large size-large wp-image-8311\" alt=\"\" srcset=\"https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/The-negative-impact-of-not-implementing-open-data-in-commercial-insurance-e1674039222388-1024x683.jpg 1024w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/The-negative-impact-of-not-implementing-open-data-in-commercial-insurance-e1674039222388-300x200.jpg 300w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/The-negative-impact-of-not-implementing-open-data-in-commercial-insurance-e1674039222388-768x512.jpg 768w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/The-negative-impact-of-not-implementing-open-data-in-commercial-insurance-e1674039222388.jpg 1500w\" 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-fb24b48 elementor-widget elementor-widget-text-editor\" data-id=\"fb24b48\" 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><span style=\"letter-spacing: 0px; word-spacing: 0em;\">No utilizar el an\u00e1lisis de datos abiertos puede dar lugar a <\/span><strong style=\"letter-spacing: 0px; word-spacing: 0em;\"><a href=\"https:\/\/www.wenalyze.com\/es\/futuro-de-la-suscripcion\/\">errores en el procesamiento de p\u00f3lizas y reclamaciones<\/a><\/strong><span style=\"letter-spacing: 0px; word-spacing: 0em;\">, cuyo resultado son p\u00e9rdidas en ingresos y la insatisfacci\u00f3n de los clientes. Tambi\u00e9n puede dar lugar a la <\/span><strong style=\"letter-spacing: 0px; word-spacing: 0em;\">clasificaci\u00f3n incorrecta de las actividades de las empresas<\/strong><span style=\"letter-spacing: 0px; word-spacing: 0em;\">, lo que causa <\/span><strong style=\"letter-spacing: 0px; word-spacing: 0em;\">p\u00e9rdida de primas y fricci\u00f3n.<\/strong><\/p><p>Adem\u00e1s, no aprovechar el an\u00e1lisis de datos abiertos conlleva a <strong><a href=\"https:\/\/www.information-age.com\/why-insurance-firms-need-to-adopt-open-data-17894\/\">no tener una visi\u00f3n real de los riesgos de un cliente<\/a><\/strong>, llevando a asegurar a estos con p\u00f3lizas incorrectas.<\/p><figure><\/figure><h2>Aplicaciones de Open Data en seguros de l\u00edneas comerciales<\/h2>\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-4c18ecc elementor-widget elementor-widget-image\" data-id=\"4c18ecc\" 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=\"476\" src=\"https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/The-multiple-applications-of-Open-Data-Analytics-in-commercial-lines-e1674039318444.png\" class=\"attachment-large size-large wp-image-8313\" alt=\"\" srcset=\"https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/The-multiple-applications-of-Open-Data-Analytics-in-commercial-lines-e1674039318444.png 1024w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/The-multiple-applications-of-Open-Data-Analytics-in-commercial-lines-e1674039318444-300x178.png 300w, https:\/\/wenalyze.com\/wp-content\/uploads\/2025\/06\/The-multiple-applications-of-Open-Data-Analytics-in-commercial-lines-e1674039318444-768x457.png 768w\" 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-d02f040 elementor-widget elementor-widget-text-editor\" data-id=\"d02f040\" 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><span style=\"letter-spacing: 0px; word-spacing: 0em;\">La anal\u00edtica de datos abiertos <\/span><strong style=\"letter-spacing: 0px; word-spacing: 0em;\"><a href=\"https:\/\/www.wenalyze.com\/why-do-we-analyze-open-data-for-insurance-and-financial-processes\/\">ya se emplea de distintas maneras <\/a><\/strong><span style=\"letter-spacing: 0px; word-spacing: 0em;\">en la industria del seguro comercial: como el modelado predictivo, detecci\u00f3n de fraude, segmentaci\u00f3n de clientes, procesamiento de reclamaciones y gesti\u00f3n de riesgos entre otros usos.<\/span><\/p><p>Nuestro caso de uso m\u00e1s popular es el de <strong><a href=\"https:\/\/www.wenalyze.com\/es\/como-construir-sistemas-de-suscripcion-rapida\/\">corregir las actividades incorrectas de los clientes PYME<\/a><\/strong> para <strong>aumentar el GWP<\/strong> (Gross Written Premium) de las aseguradoras. Despu\u00e9s de analizar la cartera de una compa\u00f1\u00eda de seguros muy popular en Espa\u00f1a,<strong> el 42% de sus clientes PYMEs ten\u00eda informaci\u00f3n incorrecta.<\/strong> Los datos actualizados que les dimos les permitieron<strong> reasignar a sus clientes<\/strong> y aumentar las primas para un r<strong>iesgo m\u00e1s acertado a la actividad real de estos.<\/strong> El resultado fue un <strong>aumento del 11% en el GWP, un ahorro de \u20ac5.2M. <\/strong><\/p><figure><\/figure><p>La implementaci\u00f3n de an\u00e1lisis de<strong> datos abiertos<\/strong> en la industria del <strong>seguro comercial <\/strong>se est\u00e1 volviendo <strong>cada vez m\u00e1s importante <\/strong>para mantenerse competitivo. Como ya hemos visto con anterioridad, el entorno econ\u00f3mico est\u00e1 cambiando muy r\u00e1pidamente y todos los sectores deben adaptarse a esta velocidad. Por eso, las <strong>aseguradoras deben confiar en datos en tiempo real<\/strong>, obtenidos a trav\u00e9s de <strong>fuentes de datos abiertos. <\/strong><\/p><p>En el caso de Wenalyze, la implementaci\u00f3n de nuestra soluci\u00f3n de datos abiertos en las<strong> aseguradoras comerciales<\/strong> les ayud\u00f3 a reducir su p\u00e9rdida de primas, a <strong>multiplicar su ROI en un 10 <\/strong>y <strong>aumentar en un 10% su GWP. <\/strong>Cont\u00e1ctanos ahora para probarlo t\u00fa mismo con nuestra demo gratuita a trav\u00e9s de <a href=\"mailto:wenalyze@wenalyze.com\"><strong>wenalyze@wenalyze.com<\/strong><\/a>.<\/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>La industria de los seguros comerciales se encuentra en el punto de mira, y el uso de la anal\u00edtica de datos abiertos (u open data) ser\u00e1 un factor determinante para su \u00e9xito futuro. En esta entrada, discutiremos 3 puntos clave sobre c\u00f3mo las nuevas tecnolog\u00edas, y concretamente lo datos abiertos u open data, est\u00e1n influyendo [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":8263,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1132],"tags":[989,900,914,880,922,990,915,902,991],"class_list":["post-4539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-es","tag-big-data-es","tag-commercial-lines-insurance-es-2","tag-datos-abiertos-es","tag-insurtech-es","tag-open-data-es","tag-open-data-insurance-es","tag-pymes-es","tag-seguros-comerciales-es","tag-seguros-pymes-es"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Los datos abiertos est\u00e1n transformando los seguros comerciales<\/title>\n<meta name=\"description\" content=\"En entornos r\u00e1pidos, se requieren soluciones r\u00e1pidas. Por eso, los profesionales de seguros comerciales deben prestar atenci\u00f3n a sus datos.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wenalyze.com\/es\/blog-es\/los-datos-abiertos-estan-transformando-los-seguros-comerciales\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Los datos abiertos est\u00e1n transformando los seguros comerciales\" \/>\n<meta property=\"og:description\" content=\"En entornos r\u00e1pidos, se requieren soluciones r\u00e1pidas. 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