{"id":19995,"date":"2025-10-09T08:55:46","date_gmt":"2025-10-09T06:55:46","guid":{"rendered":"https:\/\/assoprovider.it\/?page_id=19995"},"modified":"2025-10-09T09:47:41","modified_gmt":"2025-10-09T07:47:41","slug":"polizze-catastrofali","status":"publish","type":"page","link":"https:\/\/assoprovider.it\/es\/polizze-catastrofali\/","title":{"rendered":"P\u00f3lizas Catastr\u00f3ficas"},"content":{"rendered":"
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\n\t\t\t\t\t\r\n\r\n\r\n \r\n \r\n Polizze Catastrofali - Guida Completa<\/title>\r\n <style>\r\n * {\r\n margin: 0;\r\n padding: 0;\r\n box-sizing: border-box;\r\n }\r\n\r\n body {\r\n font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;\r\n line-height: 1.6;\r\n color: #333;\r\n padding: 0;\r\n }\r\n\r\n .nav-menu {\r\n position: sticky;\r\n top: 0;\r\n background: rgba(255, 255, 255, 0.95);\r\n backdrop-filter: blur(10px);\r\n box-shadow: 0 2px 10px rgba(0,0,0,0.1);\r\n z-index: 1000;\r\n padding: 15px 0;\r\n }\r\n\r\n .nav-container {\r\n max-width: 1200px;\r\n margin: 0 auto;\r\n display: flex;\r\n justify-content: center;\r\n flex-wrap: wrap;\r\n gap: 10px;\r\n padding: 0 20px;\r\n }\r\n\r\n .nav-item {\r\n padding: 10px 20px;\r\n background: #2B69AD;\r\n color: white !important;\r\n text-decoration: none;\r\n border-radius: 8px;\r\n font-weight: 500;\r\n transition: all 0.3s;\r\n font-size: 0.9em;\r\n }\r\n\r\n .nav-item:hover {\r\n background: #1e4a7a;\r\n transform: translateY(-2px);\r\n color: white !important;\r\n }\r\n\r\n .nav-item:visited,\r\n .nav-item:active,\r\n .nav-item:focus {\r\n color: white !important;\r\n }\r\n\r\n .container {\r\n max-width: 1200px;\r\n margin: 0 auto;\r\n }\r\n\r\n .header {\r\n background: #D2D1CC;\r\n color: #333;\r\n padding: 60px 40px;\r\n text-align: center;\r\n }\r\n\r\n .header h1 {\r\n font-size: 2.5em;\r\n margin-bottom: 10px;\r\n color: #333;\r\n }\r\n\r\n .header p {\r\n font-size: 1.2em;\r\n opacity: 0.8;\r\n color: #555;\r\n }\r\n\r\n .content {\r\n padding: 40px;\r\n }\r\n\r\n .alert-box {\r\n background: linear-gradient(135deg, #2B69AD 0%, #1e4a7a 100%);\r\n color: white !important;\r\n padding: 25px;\r\n border-radius: 12px;\r\n margin-bottom: 30px;\r\n box-shadow: 0 4px 15px rgba(43, 105, 173, 0.3);\r\n display: flex;\r\n align-items: flex-start;\r\n gap: 15px;\r\n }\r\n\r\n .alert-box * {\r\n color: white !important;\r\n }\r\n\r\n .alert-icon {\r\n flex-shrink: 0;\r\n width: 40px;\r\n height: 40px;\r\n background: rgba(255, 255, 255, 0.2);\r\n border-radius: 50%;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n }\r\n\r\n .alert-icon svg {\r\n width: 24px;\r\n height: 24px;\r\n }\r\n\r\n .alert-content {\r\n flex: 1;\r\n }\r\n\r\n .alert-box h3 {\r\n margin-bottom: 10px;\r\n font-size: 1.3em;\r\n color: white !important;\r\n }\r\n\r\n .alert-box p {\r\n color: white !important;\r\n }\r\n\r\n .alert-box ul {\r\n color: white !important;\r\n }\r\n\r\n .alert-box li {\r\n color: white !important;\r\n }\r\n\r\n .grid {\r\n display: grid;\r\n grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));\r\n gap: 25px;\r\n margin-bottom: 40px;\r\n }\r\n\r\n .card {\r\n background: white;\r\n border-radius: 15px;\r\n padding: 25px;\r\n box-shadow: 0 5px 20px rgba(0,0,0,0.08);\r\n border: 2px solid #e8f2f8;\r\n transition: transform 0.3s, box-shadow 0.3s;\r\n }\r\n\r\n .card:hover {\r\n transform: translateY(-5px);\r\n box-shadow: 0 10px 30px rgba(43, 105, 173, 0.15);\r\n border-color: #2B69AD;\r\n }\r\n\r\n .card h3 {\r\n color: #2B69AD;\r\n margin-bottom: 15px;\r\n font-size: 1.4em;\r\n display: flex;\r\n align-items: center;\r\n gap: 10px;\r\n }\r\n\r\n .card-icon {\r\n width: 40px;\r\n height: 40px;\r\n background: linear-gradient(135deg, #2B69AD 0%, #3b82c4 100%);\r\n border-radius: 12px;\r\n display: inline-flex;\r\n align-items: center;\r\n justify-content: center;\r\n color: white;\r\n font-weight: bold;\r\n font-size: 1.1em;\r\n box-shadow: 0 3px 10px rgba(43, 105, 173, 0.3);\r\n }\r\n\r\n .timeline {\r\n position: relative;\r\n padding-left: 40px;\r\n margin: 30px 0;\r\n }\r\n\r\n .timeline::before {\r\n content: '';\r\n position: absolute;\r\n left: 15px;\r\n top: 0;\r\n bottom: 0;\r\n width: 3px;\r\n background: linear-gradient(180deg, #2B69AD 0%, #5a9bd5 100%);\r\n }\r\n\r\n .timeline-item {\r\n position: relative;\r\n margin-bottom: 30px;\r\n padding: 20px;\r\n background: #f8fbfd;\r\n border-radius: 12px;\r\n border-left: 4px solid #2B69AD;\r\n box-shadow: 0 2px 10px rgba(43, 105, 173, 0.1);\r\n }\r\n\r\n .timeline-item::before {\r\n content: '';\r\n position: absolute;\r\n left: -46px;\r\n top: 20px;\r\n width: 15px;\r\n height: 15px;\r\n border-radius: 50%;\r\n background: #2B69AD;\r\n border: 3px solid white;\r\n box-shadow: 0 0 0 3px #2B69AD;\r\n }\r\n\r\n .timeline-item h4 {\r\n color: #2B69AD;\r\n margin-bottom: 10px;\r\n font-size: 1.2em;\r\n }\r\n\r\n .timeline-item .date {\r\n font-weight: bold;\r\n color: #1e4a7a;\r\n font-size: 1.1em;\r\n display: flex;\r\n align-items: center;\r\n gap: 8px;\r\n }\r\n\r\n .date-icon {\r\n display: inline-flex;\r\n align-items: center;\r\n justify-content: center;\r\n width: 24px;\r\n height: 24px;\r\n background: #2B69AD;\r\n color: white;\r\n border-radius: 6px;\r\n }\r\n\r\n .date-icon svg {\r\n width: 14px;\r\n height: 14px;\r\n }\r\n\r\n .badge {\r\n display: inline-block;\r\n padding: 8px 16px;\r\n background: linear-gradient(135deg, #2B69AD 0%, #3b82c4 100%);\r\n color: white !important;\r\n border-radius: 20px;\r\n font-size: 0.85em;\r\n margin: 5px 5px 5px 0;\r\n box-shadow: 0 2px 8px rgba(43, 105, 173, 0.2);\r\n }\r\n\r\n .info-list {\r\n list-style: none;\r\n padding: 0;\r\n }\r\n\r\n .info-list li {\r\n padding: 12px 0;\r\n border-bottom: 1px solid #e0e0e0;\r\n position: relative;\r\n padding-left: 25px;\r\n }\r\n\r\n .info-list li::before {\r\n content: '\u2713';\r\n position: absolute;\r\n left: 0;\r\n color: #2B69AD;\r\n font-weight: bold;\r\n font-size: 1.1em;\r\n }\r\n\r\n .faq-section {\r\n margin-top: 50px;\r\n }\r\n\r\n .faq-section h2 {\r\n color: #2B69AD;\r\n margin-bottom: 30px;\r\n font-size: 2em;\r\n text-align: center;\r\n }\r\n\r\n .faq-item {\r\n background: white;\r\n border-radius: 12px;\r\n margin-bottom: 15px;\r\n box-shadow: 0 2px 10px rgba(43, 105, 173, 0.08);\r\n overflow: hidden;\r\n border: 1px solid #e8f2f8;\r\n transition: all 0.3s;\r\n }\r\n\r\n .faq-item:hover {\r\n border-color: #2B69AD;\r\n box-shadow: 0 4px 15px rgba(43, 105, 173, 0.15);\r\n }\r\n\r\n .faq-question {\r\n padding: 20px;\r\n cursor: pointer;\r\n display: flex;\r\n justify-content: space-between;\r\n align-items: center;\r\n background: linear-gradient(to right, #f8fbfd 0%, white 100%);\r\n transition: background 0.3s;\r\n }\r\n\r\n .faq-question:hover {\r\n background: linear-gradient(to right, #e8f2f8 0%, #f8fbfd 100%);\r\n }\r\n\r\n .faq-question h4 {\r\n color: #333;\r\n font-size: 1.05em;\r\n margin: 0;\r\n flex: 1;\r\n font-weight: 600;\r\n }\r\n\r\n .faq-toggle {\r\n width: 32px;\r\n height: 32px;\r\n border-radius: 8px;\r\n background: #2B69AD;\r\n color: white;\r\n display: flex;\r\n align-items: center;\r\n justify-content: center;\r\n font-size: 1.3em;\r\n transition: transform 0.3s, background 0.3s;\r\n font-weight: 300;\r\n }\r\n\r\n .faq-item:hover .faq-toggle {\r\n background: #1e4a7a;\r\n }\r\n\r\n .faq-item.active .faq-toggle {\r\n transform: rotate(45deg);\r\n background: #1e4a7a;\r\n }\r\n\r\n .faq-answer {\r\n max-height: 0;\r\n overflow: hidden;\r\n transition: max-height 0.3s ease-out, padding 0.3s;\r\n padding: 0 20px;\r\n background: white;\r\n }\r\n\r\n .faq-item.active .faq-answer {\r\n max-height: 500px;\r\n padding: 20px;\r\n }\r\n\r\n .highlight-box {\r\n background: linear-gradient(135deg, #e8f2f8 0%, #d4e8f5 100%);\r\n padding: 25px;\r\n border-radius: 12px;\r\n margin: 20px 0;\r\n border-left: 5px solid #2B69AD;\r\n box-shadow: 0 3px 15px rgba(43, 105, 173, 0.1);\r\n }\r\n\r\n .stats-grid {\r\n display: grid;\r\n grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));\r\n gap: 20px;\r\n margin: 30px 0;\r\n }\r\n\r\n .stat-card {\r\n background: linear-gradient(135deg, #2B69AD 0%, #3b82c4 100%);\r\n color: white !important;\r\n padding: 30px;\r\n border-radius: 15px;\r\n text-align: center;\r\n box-shadow: 0 5px 20px rgba(43, 105, 173, 0.3);\r\n position: relative;\r\n overflow: hidden;\r\n }\r\n\r\n .stat-card * {\r\n color: white !important;\r\n }\r\n\r\n .stat-card::before {\r\n content: '';\r\n position: absolute;\r\n top: -50%;\r\n right: -50%;\r\n width: 200%;\r\n height: 200%;\r\n background: radial-gradient(circle, rgba(255,255,255,0.1) 0%, transparent 70%);\r\n animation: pulse 3s ease-in-out infinite;\r\n }\r\n\r\n @keyframes pulse {\r\n 0%, 100% { transform: scale(1); opacity: 0.5; }\r\n 50% { transform: scale(1.1); opacity: 0.3; }\r\n }\r\n\r\n .stat-card h3 {\r\n font-size: 2.8em;\r\n margin-bottom: 10px;\r\n color: white !important;\r\n font-weight: 700;\r\n position: relative;\r\n z-index: 1;\r\n }\r\n\r\n .stat-card p {\r\n font-size: 0.95em;\r\n opacity: 0.95;\r\n position: relative;\r\n z-index: 1;\r\n color: white !important;\r\n }\r\n\r\n @media (max-width: 768px) {\r\n .header h1 {\r\n font-size: 1.8em;\r\n }\r\n \r\n .content {\r\n padding: 20px;\r\n }\r\n \r\n .grid {\r\n grid-template-columns: 1fr;\r\n }\r\n }\r\n\r\n .section-title {\r\n color: #a855f7;\r\n font-size: 1.8em;\r\n margin: 40px 0 20px;\r\n padding-bottom: 10px;\r\n border-bottom: 3px solid #a855f7;\r\n }\r\n\r\n html {\r\n scroll-behavior: smooth;\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n <!-- Menu di Navigazione -->\r\n <nav class=\"nav-menu\">\r\n <div class=\"nav-container\">\r\n <a href=\"#approfondimento\" class=\"nav-item\" style=\"color: white !important;\">Profundizaci\u00f3n<\/a>\r\n <a href=\"#verifica-obblighi\" class=\"nav-item\" style=\"color: white !important;\">Verificaci\u00f3n de Obligaciones<\/a>\r\n <a href=\"#scadenze\" class=\"nav-item\" style=\"color: white !important;\">Plazos<\/a>\r\n <a href=\"#beni\" class=\"nav-item\" style=\"color: white !important;\">Bienes<\/a>\r\n <a href=\"#eventi\" class=\"nav-item\" style=\"color: white !important;\">Eventos<\/a>\r\n <a href=\"#premi\" class=\"nav-item\" style=\"color: white !important;\">Premios<\/a>\r\n <a href=\"#faq\" class=\"nav-item\" style=\"color: white !important;\">FAQ<\/a>\r\n <\/div>\r\n <\/nav>\r\n\r\n <div class=\"container\">\r\n <div class=\"header\">\r\n <div style=\"display: flex; align-items: center; justify-content: center; gap: 20px; flex-wrap: wrap;\">\r\n <svg width=\"60\" height=\"60\" viewbox=\"0 0 64 64\" fill=\"none\" stroke=\"#2B69AD\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M32 8L8 20v16c0 14 10 24 24 28 14-4 24-14 24-28V20L32 8z\"\/>\r\n <polyline points=\"20 32 28 40 44 24\"\/>\r\n <\/svg>\r\n <div>\r\n <h1>P\u00f3lizas Catastr\u00f3ficas en Italia<\/h1>\r\n <p>Gu\u00eda completa del decreto sobre seguros cat-nat para las empresas<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"content\">\r\n <div class=\"alert-box\">\r\n <div class=\"alert-icon\">\r\n <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M10.29 3.86L1.82 18a2 2 0 0 0 1.71 3h16.94a2 2 0 0 0 1.71-3L13.71 3.86a2 2 0 0 0-3.42 0z\"\/>\r\n <line x1=\"12\" y1=\"9\" x2=\"12\" y2=\"13\"\/>\r\n <line x1=\"12\" y1=\"17\" x2=\"12.01\" y2=\"17\"\/>\r\n <\/svg>\r\n <\/div>\r\n <div class=\"alert-content\">\r\n <h3 style=\"color: white !important;\">Atenci\u00f3n: Obligaci\u00f3n Normativa en Vigor<\/h3>\r\n <p style=\"color: white !important;\">A partir de 2024, es obligatorio para las empresas italianas contar con un seguro contra eventos catastr\u00f3ficos. Los plazos var\u00edan seg\u00fan el tama\u00f1o de la empresa.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"stats-grid\">\r\n <div class=\"stat-card\">\r\n <h3>2024<\/h3>\r\n <p>A\u00f1o de introducci\u00f3n de la obligaci\u00f3n<\/p>\r\n <\/div>\r\n <div class=\"stat-card\">\r\n <h3>15%<\/h3>\r\n <p>Franquicia m\u00e1xima hasta 30M\u20ac<\/p>\r\n <\/div>\r\n <div class=\"stat-card\">\r\n <h3>70%<\/h3>\r\n <p>Indemnizaci\u00f3n m\u00ednima (1-30M\u20ac)<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"approfondimento\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/>\r\n <polyline points=\"14 2 14 8 20 8\"\/>\r\n <line x1=\"16\" y1=\"13\" x2=\"8\" y2=\"13\"\/>\r\n <line x1=\"16\" y1=\"17\" x2=\"8\" y2=\"17\"\/>\r\n <polyline points=\"10 9 9 9 8 9\"\/>\r\n <\/svg>\r\n <\/span>\r\n Marco Normativo\r\n <\/h2>\r\n \r\n <div class=\"grid\">\r\n <div class=\"card\">\r\n <h3><span class=\"card-icon\">1<\/span> Origen Legislativa<\/h3>\r\n <ul class=\"info-list\">\r\n <li>Ley de Presupuestos 2024 (L. 213\/2023)<\/li>\r\n <li>Apartados 101-111, art\u00edculo 1<\/li>\r\n <li>D.I. 30 de enero de 2025, n. 18<\/li>\r\n <li>D.L. 31 marzo 2025, n. 39<\/li>\r\n <\/ul>\r\n <\/div>\r\n\r\n <div class=\"card\" id=\"verifica-obblighi\">\r\n <h3><span class=\"card-icon\">2<\/span> Sujetos Obligados<\/h3>\r\n <ul class=\"info-list\">\r\n <li>Empresas con sede en Italia<\/li>\r\n <li>Empresas extranjeras con establecimiento permanente<\/li>\r\n <li>Inscritas en el Registro Mercantil (art. 2188 c.c.)<\/li>\r\n <li>Profesionales con n\u00famero de IVA<\/li>\r\n <\/ul>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3><span class=\"card-icon\">3<\/span> Exclusiones<\/h3>\r\n <ul class=\"info-list\">\r\n <li>Empresas agr\u00edcolas (protecci\u00f3n espec\u00edfica)<\/li>\r\n <li>Inmuebles en construcci\u00f3n<\/li>\r\n <li>Inmuebles con infracciones urban\u00edsticas<\/li>\r\n <li>Construcciones sin autorizaciones<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"scadenze\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <rect x=\"3\" y=\"4\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/>\r\n <line x1=\"16\" y1=\"2\" x2=\"16\" y2=\"6\"\/>\r\n <line x1=\"8\" y1=\"2\" x2=\"8\" y2=\"6\"\/>\r\n <line x1=\"3\" y1=\"10\" x2=\"21\" y2=\"10\"\/>\r\n <\/svg>\r\n <\/span>\r\n Plazos por Tama\u00f1o Empresarial\r\n <\/h2>\r\n \r\n <div class=\"timeline\">\r\n <div class=\"timeline-item\">\r\n <h4>Grandes Empresas<\/h4>\r\n <p class=\"date\">\r\n <span class=\"date-icon\">\r\n <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <polyline points=\"12 6 12 12 16 14\"\/>\r\n <\/svg>\r\n <\/span>\r\n 31 marzo 2025\r\n <\/p>\r\n <p>Fecha de vencimiento original para las grandes empresas. Las sanciones indirectas (exclusi\u00f3n de incentivos) comienzan a partir del 30 de junio de 2025 (90 d\u00edas despu\u00e9s).<\/p>\r\n <\/div>\r\n\r\n <div class=\"timeline-item\">\r\n <h4>Medianas Empresas<\/h4>\r\n <p class=\"date\">\r\n <span class=\"date-icon\">\r\n <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <polyline points=\"12 6 12 12 16 14\"\/>\r\n <\/svg>\r\n <\/span>\r\n 1 Octubre 2025\r\n <\/p>\r\n <p>Plazo prorrogado para las medianas empresas. Es necesario contratar la p\u00f3liza antes de esta fecha para mantener el acceso a los incentivos.<\/p>\r\n <\/div>\r\n\r\n <div class=\"timeline-item\">\r\n <h4>Peque\u00f1as y Microempresas<\/h4>\r\n <p class=\"date\">\r\n <span class=\"date-icon\">\r\n <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <polyline points=\"12 6 12 12 16 14\"\/>\r\n <\/svg>\r\n <\/span>\r\n 31 de diciembre de 2025\r\n <\/p>\r\n <p>Fecha l\u00edmite para PYMES y microempresas. Incluye tambi\u00e9n empresas del sector pesquero y acu\u00edcola.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"beni\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z\"\/>\r\n <polyline points=\"9 22 9 12 15 12 15 22\"\/>\r\n <\/svg>\r\n <\/span>\r\n Bienes a Asegurar\r\n <\/h2>\r\n \r\n <div class=\"highlight-box\">\r\n <h3>Inmovilizaciones Materiales (Art. 2424, partida B-II)<\/h3>\r\n <div style=\"margin-top: 15px;\">\r\n <span class=\"badge\">Terrenos y Edificios<\/span>\r\n <span class=\"badge\">Instalaciones y Maquinaria<\/span>\r\n <span class=\"badge\">Equipos Industriales<\/span>\r\n <span class=\"badge\">Equipos Comerciales<\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3><span class=\"card-icon\">!<\/span> Bienes de Terceros<\/h3>\r\n <p>Pueden estar cubiertos bienes utilizados \"a cualquier t\u00edtulo\" (leasing, alquiler), salvo que el propietario ya tenga una cobertura equivalente. El empresario tiene derecho a reembolso y puede obtener hasta el 40% de la indemnizaci\u00f3n por lucro cesante si el propietario no restablece el bien.<\/p>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"eventi\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M12 2.69l5.66 5.66a8 8 0 1 1-11.31 0z\"\/>\r\n <path d=\"M12 8v8\"\/>\r\n <path d=\"M8 12h8\"\/>\r\n <\/svg>\r\n <\/span>\r\n Eventos Catastr\u00f3ficos Cubiertos\r\n <\/h2>\r\n \r\n <div class=\"grid\">\r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M3 12h3l3-9 6 18 3-9h3\"\/>\r\n <\/svg>\r\n <\/span>\r\n Eventos S\u00edsmicos\r\n <\/h3>\r\n <p>Terremotos y las correspondientes r\u00e9plicas dentro de las 72 horas desde el primer evento (consideradas parte del mismo siniestro).<\/p>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M16 16v6M8 16v6M12 2v6M4 8h16\"\/>\r\n <path d=\"M6 14h12v8H6z\"\/>\r\n <path d=\"M6 8h12v6H6z\"\/>\r\n <\/svg>\r\n <\/span>\r\n Eventos Hidrogeol\u00f3gicos\r\n <\/h3>\r\n <p>Inundaciones, deslizamientos, inundaciones y desbordamientos seg\u00fan mapas de peligrosidad y modelos predictivos.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"premi\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <line x1=\"12\" y1=\"1\" x2=\"12\" y2=\"23\"\/>\r\n <path d=\"M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6\"\/>\r\n <\/svg>\r\n <\/span>\r\n Premios e Indemnizaciones\r\n <\/h2>\r\n \r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M9 11l3 3L22 4\"\/>\r\n <path d=\"M21 12v7a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h11\"\/>\r\n <\/svg>\r\n <\/span>\r\n Criterios de C\u00e1lculo del Premio\r\n <\/h3>\r\n <ul class=\"info-list\">\r\n <li>Proporcional al riesgo real<\/li>\r\n <li>Basado en ubicaci\u00f3n geogr\u00e1fica<\/li>\r\n <li>Vulnerabilidad del bien<\/li>\r\n <li>Mapas de peligrosidad<\/li>\r\n <li>Modelos predictivos territoriales<\/li>\r\n <\/ul>\r\n <\/div>\r\n\r\n <div class=\"grid\">\r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">1<\/span>\r\n Hasta 1 Mill\u00f3n \u20ac\r\n <\/h3>\r\n <p><strong>Indemnizaci\u00f3n:<\/strong> 100% del da\u00f1o<br>\r\n <strong>Franquicia\/Descubierto:<\/strong> Max 15%<\/p>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">2<\/span>\r\n De 1 a 30 Millones \u20ac\r\n <\/h3>\r\n <p><strong>Indemnizaci\u00f3n:<\/strong> Min 70%<br>\r\n <strong>Franquicia\/Descubierto:<\/strong> Max 15%<\/p>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3>\r\n <span class=\"card-icon\">3<\/span>\r\n M\u00e1s de 30 Millones \u20ac\r\n <\/h3>\r\n <p><strong>Indemnizaci\u00f3n:<\/strong> Negociable<br>\r\n <strong>Franquicia\/Descubierto:<\/strong> Mayor libertad<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <path d=\"M16 12l-4-4-4 4\"\/>\r\n <path d=\"M12 16V8\"\/>\r\n <\/svg>\r\n <\/span>\r\n Consecuencias e Incentivos\r\n <\/h2>\r\n \r\n <div class=\"alert-box\">\r\n <div class=\"alert-icon\">\r\n <svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"white\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"\/>\r\n <line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"\/>\r\n <\/svg>\r\n <\/div>\r\n <div class=\"alert-content\">\r\n <h3>Consecuencias del Incumplimiento<\/h3>\r\n <p><strong>No se prev\u00e9n sanciones pecuniarias directas.<\/strong> Sin embargo, la ausencia de la p\u00f3liza conlleva:<\/p>\r\n <ul style=\"margin-top: 10px; margin-left: 20px;\">\r\n <li>Exclusi\u00f3n de contribuciones p\u00fablicas<\/li>\r\n <li>Bloqueo de subvenciones y ayudas<\/li>\r\n <li>Imposibilidad de acceder a convocatorias ministeriales<\/li>\r\n <li>Revocaci\u00f3n de incentivos ya concedidos<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"card\">\r\n <h3><span class=\"card-icon\">\u2713<\/span> Requisito para Incentivos<\/h3>\r\n <p>El D.M. 18 de junio de 2025 del Ministerio de Empresas y del Made in Italy ha hecho que el seguro catastr\u00f3fico sea un requisito para acceder a los instrumentos de ayuda de competencia. Otras administraciones deben incorporar formalmente esta condici\u00f3n en sus convocatorias.<\/p>\r\n <\/div>\r\n\r\n <h2 class=\"section-title\" id=\"faq\">\r\n <span class=\"section-icon\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <circle cx=\"12\" cy=\"12\" r=\"10\"\/>\r\n <path d=\"M9.09 9a3 3 0 0 1 5.83 1c0 2-3 3-3 3\"\/>\r\n <line x1=\"12\" y1=\"17\" x2=\"12.01\" y2=\"17\"\/>\r\n <\/svg>\r\n <\/span>\r\n Preguntas Frecuentes (FAQ)\r\n <\/h2>\r\n \r\n <div class=\"faq-section\">\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>1. \u00bfQui\u00e9n est\u00e1 obligado a contratar la p\u00f3liza catastr\u00f3fica?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Todas las empresas con sede legal en Italia y las empresas extranjeras con organizaci\u00f3n estable en Italia, siempre que est\u00e9n inscritas en el Registro de Empresas (art. 2188 c.c.). Tambi\u00e9n se incluyen estudios profesionales y peque\u00f1as actividades con n\u00famero de IVA, mientras que se excluyen las empresas agr\u00edcolas.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>2. \u00bfQu\u00e9 bienes deben ser asegurados?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Los bienes materiales inscritos en el activo del estado patrimonial (art. 2424, partida B-II): terrenos, edificios, instalaciones, maquinaria y equipos industriales\/comerciales. Tambi\u00e9n pueden incluirse bienes de terceros utilizados para la actividad empresarial.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>3. \u00bfCu\u00e1les son los plazos para contratar la p\u00f3liza?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Los plazos var\u00edan seg\u00fan el tama\u00f1o: grandes empresas hasta el 31 de marzo de 2025, medianas empresas hasta el 1 de octubre de 2025, peque\u00f1as y microempresas hasta el 31 de diciembre de 2025.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>4. \u00bfQu\u00e9 sucede si no contrato la p\u00f3liza antes del vencimiento?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>No hay sanciones pecuniarias directas, pero la empresa queda excluida del acceso a contribuciones, subvenciones y ayudas p\u00fablicas. Para las grandes empresas, las sanciones indirectas entran en vigor a partir del 30 de junio de 2025.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>5. \u00bfQu\u00e9 eventos catastr\u00f3ficos est\u00e1n cubiertos?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>La p\u00f3liza debe cubrir al menos: terremotos, inundaciones, deslizamientos de tierra, riadas y desbordamientos. Para los terremotos, los temblores dentro de las 72 horas desde el primer evento se consideran parte del mismo siniestro.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>6. \u00bfC\u00f3mo se calcula la prima del seguro?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>El premio es proporcional al riesgo, considerando la ubicaci\u00f3n geogr\u00e1fica, la vulnerabilidad del bien, los mapas de peligrosidad y los modelos predictivos. Las \u00e1reas con alto riesgo s\u00edsmico o hidrogeol\u00f3gico tendr\u00e1n premios m\u00e1s elevados.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>7. \u00bfCu\u00e1l es el descubierto m\u00e1ximo o franquicia aplicable?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Para sumas aseguradas hasta 30 millones de euros, la franquicia y el descubierto no pueden superar el 15% del da\u00f1o indemnizable. Para sumas superiores o grandes empresas hay mayor libertad contractual.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>8. \u00bfC\u00f3mo funciona la indemnizaci\u00f3n en caso de siniestro?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Para valores hasta 1 mill\u00f3n, la indemnizaci\u00f3n cubre el 100% del da\u00f1o. Para valores entre 1 y 30 millones, la indemnizaci\u00f3n m\u00ednima es el 70% de la suma asegurada. Por encima de los 30 millones, los l\u00edmites son negociables.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>9. \u00bfLas empresas agr\u00edcolas est\u00e1n obligadas?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>No, las empresas agr\u00edcolas est\u00e1n expresamente excluidas de la obligaci\u00f3n porque ya est\u00e1n sujetas al fondo mutualista nacional para eventos meteorol\u00f3gicos.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>10. \u00bfPuedo asegurar bienes en leasing o en alquiler?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>S\u00ed, los bienes utilizados \"a cualquier t\u00edtulo\" para la actividad pueden ser asegurados, salvo que el propietario ya tenga una cobertura equivalente. El empresario tiene derecho a reembolso si el propietario no restablece el bien.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>11. \u00bfQu\u00e9 sucede si ya tengo una p\u00f3liza existente?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Las p\u00f3lizas ya existentes deben adecuarse a las nuevas prescripciones en la primera renovaci\u00f3n \u00fatil o en el recibo posterior a la entrada en vigor del decreto.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>12. \u00bfPuedo asegurar un inmueble con infracciones urban\u00edsticas?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>No, los inmuebles con abusos urban\u00edsticos o construidos sin autorizaciones no pueden ser cubiertos por las p\u00f3lizas catastr\u00f3ficas seg\u00fan el decreto.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>13. \u00bfC\u00f3mo se determina el valor asegurable de los bienes?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>El valor debe estimarse seg\u00fan: reconstrucci\u00f3n a nuevo para inmuebles, costo de reemplazo para maquinaria, costo de restauraci\u00f3n para terrenos. Es crucial una evaluaci\u00f3n correcta para evitar el infraseguro.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>14. \u00bfLa p\u00f3liza es un requisito para todas las licitaciones p\u00fablicas?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>No autom\u00e1ticamente. Cada administraci\u00f3n (ministerial, regional, local) debe incorporar formalmente este requisito en sus convocatorias. El Ministerio de las Empresas ya lo ha hecho con D.M. 18 de junio de 2025.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>15. \u00bfQu\u00e9 sucede si mi zona est\u00e1 en alt\u00edsimo riesgo y ninguna compa\u00f1\u00eda me asegura?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>El decreto n. 18\/2025 prev\u00e9 esquemas de seguros estatales o p\u00fablico-privados para gestionar las zonas de alto riesgo no asegurables por el mercado ordinario.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>16. \u00bfCu\u00e1les son las principales referencias normativas?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>Ley 30 de diciembre de 2023 n. 213 (Presupuesto 2024), p\u00e1rrafos 101-111 art. 1; Decreto Interministerial 30 de enero de 2025 n. 18; Decreto-Ley 31 de marzo de 2025 n. 39 convertido en ley.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>17. \u00bfCu\u00e1ndo entra en vigor el decreto de aplicaci\u00f3n?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>El decreto interministerial n. 18\/2025 entr\u00f3 en vigor el 14 de marzo de 2025 para sus disposiciones operativas, pero los plazos para el cumplimiento var\u00edan seg\u00fan el tama\u00f1o de la empresa.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>18. \u00bfC\u00f3mo se definen micro, peque\u00f1a y mediana empresa?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>La definizione segue la Raccomandazione UE recepita nel decreto in fase di conversione: microimprese (< 10 dipendenti, < 2M\u20ac), piccole (< 50 dipendenti, < 10M\u20ac), medie (< 250 dipendenti, < 50M\u20ac).<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>19. \u00bfCu\u00e1l es el papel de la IVASS?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>La IVASS tiene la funci\u00f3n de supervisi\u00f3n del mercado asegurador, verificando que las compa\u00f1\u00edas tengan una capacidad de asunci\u00f3n de riesgos adecuada, modelos fiables y cumplan con las prescripciones normativas.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"faq-item\">\r\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\r\n <h4>20. \u00bfConviene contratar la p\u00f3liza incluso si mi empresa no accede a incentivos p\u00fablicos?<\/h4>\r\n <div class=\"faq-toggle\">+<\/div>\r\n <\/div>\r\n <div class=\"faq-answer\">\r\n <p>S\u00ed, la obligaci\u00f3n es normativa e independiente del acceso a los incentivos. Adem\u00e1s, la p\u00f3liza protege el patrimonio empresarial de eventos catastr\u00f3ficos que podr\u00edan comprometer la continuidad operativa. Las sanciones indirectas limitan fuertemente el acceso futuro a cualquier forma de ayuda.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"highlight-box\" style=\"margin-top: 40px;\">\r\n <h3 style=\"color: #2B69AD; display: flex; align-items: center; gap: 10px;\">\r\n <span class=\"section-icon\" style=\"margin: 0;\">\r\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">\r\n <path d=\"M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72 12.84 12.84 0 0 0 .7 2.81 2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45 12.84 12.84 0 0 0 2.81.7A2 2 0 0 1 22 16.92z\"\/>\r\n <\/svg>\r\n <\/span>\r\n Recomendaciones Pr\u00e1cticas\r\n <\/h3>\r\n <ul class=\"info-list\">\r\n <li>Hacer un inventario completo de los bienes asegurables<\/li>\r\n <li>Estimar correctamente los valores seg\u00fan los criterios requeridos.<\/li>\r\n <li>Solicitar presupuestos conformes al D.I. 18\/2025<\/li>\r\n <li>No esperes al \u00faltimo momento (riesgo de saturaci\u00f3n del mercado)<\/li>\r\n <li>Planificar los ajustes de las p\u00f3lizas existentes<\/li>\r\n <li>Verificar requisitos de seguros en las licitaciones p\u00fablicas<\/li>\r\n <li>Utilizar consultores especializados para PYMES<\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n <script>\r\n function toggleFaq(element) {\r\n const faqItem = element.parentElement;\r\n const allFaqItems = document.querySelectorAll('.faq-item');\r\n \r\n \/\/ Close all other FAQ items\r\n allFaqItems.forEach(item => {\r\n if (item !== faqItem && item.classList.contains('active')) {\r\n item.classList.remove('active');\r\n }\r\n });\r\n \r\n \/\/ Toggle current FAQ item\r\n faqItem.classList.toggle('active');\r\n }\r\n <\/script>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Polizze Catastrofali – Guida Completa Approfondimento Verifica Obblighi Scadenze Beni Eventi Premi FAQ Polizze Catastrofali in Italia Guida completa al decreto sulle assicurazioni cat-nat per le imprese Attenzione: Obbligo Normativo in Vigore Dal 2024 \u00e8 operativo l’obbligo per le imprese italiane di dotarsi di assicurazione contro eventi catastrofali. Le scadenze variano in base alla dimensione […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-19995","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Polizze Catastrofali - Assoprovider<\/title>\n<meta name=\"description\" content=\"Polizze Catastrofali - Guida Completa Approfondimento Verifica Obblighi Scadenze Beni Eventi Premi FAQ Polizze Catastrofali in Italia Guida completa al\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/assoprovider.it\/es\/polizze-catastrofali\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Polizze Catastrofali - 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