{"id":1665,"date":"2025-08-24T23:03:50","date_gmt":"2025-08-24T23:03:50","guid":{"rendered":"https:\/\/garitasinsurance.com\/?page_id=1665"},"modified":"2025-08-25T05:55:34","modified_gmt":"2025-08-25T05:55:34","slug":"compliance-conduct","status":"publish","type":"page","link":"https:\/\/garitasinsurance.com\/es\/compliance-conduct\/","title":{"rendered":"Cumplimiento y conducta"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1665\" class=\"elementor elementor-1665\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26fee051 e-flex e-con-boxed e-con e-parent\" data-id=\"26fee051\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a19c60f elementor-widget elementor-widget-heading\" data-id=\"a19c60f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cumplimiento y conducta\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cc7d83 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8cc7d83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/garitasinsurance.com\/es\/home\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Inicio <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/garitasinsurance.com\/es\/compliance-conduct\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-arrow-right-solid\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cumplimiento y conducta<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a10cdb3 e-flex e-con-boxed e-con e-parent\" data-id=\"3a10cdb3\" 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-047e104 elementor-widget elementor-widget-text-editor\" data-id=\"047e104\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h5><b>Declaraci\u00f3n de divulgaci\u00f3n<\/b><\/h5><p><span style=\"font-weight: 400;\">Garitas Insurance se enorgullece de ser su corredor de seguros elegido. Nos dedicamos a ayudarle a encontrar los productos y servicios de seguros adecuados que mejor se adapten a sus necesidades en funci\u00f3n de la cobertura, el valor y el precio. Nuestros servicios profesionales incluyen asesoramiento personalizado sobre seguros, gesti\u00f3n continua de p\u00f3lizas, asistencia en reclamaciones y representaci\u00f3n de clientes.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/p><p><span style=\"font-weight: 400;\">La remuneraci\u00f3n de nuestra corredur\u00eda est\u00e1 incluida en su prima anual de seguro y es abonada por su compa\u00f1\u00eda de seguros en forma de comisi\u00f3n porcentual. La comisi\u00f3n se aplica tanto a las p\u00f3lizas nuevas como a las renovadas y se basa en un porcentaje que var\u00eda en funci\u00f3n del producto adquirido. A continuaci\u00f3n se muestra una lista de las compa\u00f1\u00edas de seguros de propiedad y accidentes que representamos.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/p><table><tbody><tr><td><p><span style=\"font-weight: 400;\">Empresa<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Autom\u00f3vil personal<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Bienes personales<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Autom\u00f3vil comercial<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Propiedad comercial<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Aviva\/Scottish &amp; York*<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">7,5% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20% a 22%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">7,5% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">CAA<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Chieftain<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Cochero<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">5% a 12.5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Echelon<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">5% a 12.5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">5% a 12.5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Econ\u00f3mico*.<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">5% a 12.5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">5% a 12.5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Mutua Gore<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Intacto*<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Jevco<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">5% a 12.5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">N\u00f3rdico<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a $300 m\u00e1x.<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Pafco<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">5% a 12.5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Pembridge*<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">N\/A<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">SGI<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">15% a 20%<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Viajeros Canad\u00e1*<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">15% a 20%<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Unica<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">15% a 20%<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Wawanesa<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">20%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">10% a 12,5%<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">15% a 20%<\/span><\/p><\/td><\/tr><\/tbody><\/table><p><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/p><p><span style=\"font-weight: 400;\">Garitas Insurance Group Inc. es una empresa independiente y privada sin afiliaci\u00f3n o v\u00ednculos de propiedad con ninguna compa\u00f1\u00eda de seguros o instituci\u00f3n financiera. Nuestras recomendaciones se basan \u00fanicamente en sus necesidades y en las mejores opciones de cobertura disponibles.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/p><p><span style=\"font-weight: 400;\">Mantenemos s\u00f3lidas relaciones con aseguradoras de alta calidad, ofreci\u00e9ndoles el tipo de negocio que desean. Algunas de estas aseguradoras, marcadas con un asterisco, recompensan nuestros esfuerzos mediante un contrato de comisi\u00f3n contingente. Esta comisi\u00f3n no est\u00e1 garantizada y se basa en factores como el crecimiento, la rentabilidad, el volumen, la retenci\u00f3n y los servicios adicionales que proporcionamos a la aseguradora. La comisi\u00f3n se revisa anualmente para toda nuestra cartera de negocios con esa aseguradora y no sobre p\u00f3lizas individuales. Visite el sitio web de su aseguradora para obtener m\u00e1s informaci\u00f3n sobre la comisi\u00f3n contingente.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/p><p><span style=\"font-weight: 400;\">Ocasionalmente, nuestras aseguradoras pueden ofrecer concursos de ventas o invitarnos a convenciones de ventas exclusivas, pero esto no afecta a las recomendaciones que le hacemos, que se basan \u00fanicamente en sus necesidades y en las mejores opciones de cobertura disponibles.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/p><p><span style=\"font-weight: 400;\">Si se produce alg\u00fan cambio en nuestro programa de comisiones o en cualquier otro acuerdo de remuneraci\u00f3n que pueda afectar a nuestra remuneraci\u00f3n, se lo comunicaremos. Del mismo modo, si se produce alg\u00fan cambio en nuestra propiedad o financiaci\u00f3n que pueda crear posibles conflictos de intereses, se lo notificaremos.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/p><p><span style=\"font-weight: 400;\">Su compa\u00f1\u00eda de seguros le proporcionar\u00e1 un C\u00f3digo de Derechos y Responsabilidades del Cliente, que se le enviar\u00e1 junto con su p\u00f3liza. Si tiene alguna pregunta sobre este o cualquier otro aspecto de su seguro, no dude en ponerse en contacto con nosotros.<\/span><\/p>\t\t\t\t\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\n    <div class=\"xs_social_share_widget xs_share_url after_content \t\tmain_content  wslu-style-1 wslu-share-box-shaped wslu-fill-colored wslu-none wslu-share-horizontal wslu-theme-font-no wslu-main_content\">\n\n\t\t\n        <ul>\n\t\t\t        <\/ul>\n    <\/div>","protected":false},"excerpt":{"rendered":"<p>Compliance &amp; Conduct Home Compliance &#038; Conduct Disclosure Statement Garitas Insurance is proud to be your chosen insurance broker. We [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1665","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/garitasinsurance.com\/es\/wp-json\/wp\/v2\/pages\/1665","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/garitasinsurance.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/garitasinsurance.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/garitasinsurance.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/garitasinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=1665"}],"version-history":[{"count":10,"href":"https:\/\/garitasinsurance.com\/es\/wp-json\/wp\/v2\/pages\/1665\/revisions"}],"predecessor-version":[{"id":1680,"href":"https:\/\/garitasinsurance.com\/es\/wp-json\/wp\/v2\/pages\/1665\/revisions\/1680"}],"wp:attachment":[{"href":"https:\/\/garitasinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=1665"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}