{"id":7735,"date":"2023-06-15T16:19:55","date_gmt":"2023-06-15T14:19:55","guid":{"rendered":"https:\/\/cubeconcepts.de\/?p=7735"},"modified":"2025-05-14T17:02:39","modified_gmt":"2025-05-14T15:02:39","slug":"seguro-fotovoltaico-que-cubre","status":"publish","type":"post","link":"https:\/\/cubeconcepts.de\/es\/photovoltaik-versicherungen-was-leisten-sie\/","title":{"rendered":"Seguros fotovoltaicos: \u00bfQu\u00e9 cubren?"},"content":{"rendered":"<p>Todos los sistemas fotovoltaicos que CUBE CONCEPTS realiza para sus clientes est\u00e1n posteriormente asegurados. En Alemania <strong>Seguro fotovoltaico<\/strong> no son obligatorias, pero tienen mucho sentido en el sector comercial. En caso de da\u00f1os, no s\u00f3lo cubren las reparaciones necesarias, sino que tambi\u00e9n protegen a las empresas de <strong>Rendimiento<\/strong> o incluso <strong>Fallos operativos<\/strong>. Si un sistema fotovoltaico de varios cientos de kWp o varios MWp est\u00e1 fuera de servicio durante un periodo de tiempo m\u00e1s largo debido a trabajos de reparaci\u00f3n, la experiencia ha demostrado que la cuant\u00eda de los da\u00f1os puede ser considerable y situarse entre las cinco y las seis cifras.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 aseguran los seguros fotovoltaicos y cu\u00e1les son sus ventajas?<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"576\" height=\"1024\" src=\"https:\/\/cubeconcepts.de\/wp-content\/uploads\/2023\/06\/Photovoltaik-Versicherungen-hagelschaden-576x1024.jpg\" alt=\"Seguro fotovoltaico - da\u00f1os por granizo\" class=\"wp-image-11804\" style=\"width:255px;height:auto\" srcset=\"https:\/\/cubeconcepts.de\/wp-content\/uploads\/2023\/06\/Photovoltaik-Versicherungen-hagelschaden-576x1024.jpg 576w, https:\/\/cubeconcepts.de\/wp-content\/uploads\/2023\/06\/Photovoltaik-Versicherungen-hagelschaden-169x300.jpg 169w, https:\/\/cubeconcepts.de\/wp-content\/uploads\/2023\/06\/Photovoltaik-Versicherungen-hagelschaden-768x1365.jpg 768w, https:\/\/cubeconcepts.de\/wp-content\/uploads\/2023\/06\/Photovoltaik-Versicherungen-hagelschaden-864x1536.jpg 864w, https:\/\/cubeconcepts.de\/wp-content\/uploads\/2023\/06\/Photovoltaik-Versicherungen-hagelschaden.jpg 1152w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/><figcaption class=\"wp-element-caption\">Ejemplo: Da\u00f1os por granizo<\/figcaption><\/figure>\n\n\n\n<p>Para minimizar el riesgo, el sector de los seguros ha <a href=\"https:\/\/cubeconcepts.de\/es\/versicherungskonforme-pv-anlagen\/\">Requisitos de seguro<\/a> para los sistemas fotovoltaicos comerciales ya es muy alto. El objetivo es descartar de antemano muchos riesgos potenciales. Si se cumplen todos los requisitos durante la construcci\u00f3n y el funcionamiento, la operaci\u00f3n continua de una instalaci\u00f3n solar deber\u00eda funcionar sin problemas. No obstante, condiciones meteorol\u00f3gicas especiales como <strong>Salve<\/strong>, <strong>Tormenta<\/strong>, <strong>Rayo<\/strong>, <strong>Inundaciones<\/strong> o particularmente elevado <strong>Cargas de nieve<\/strong> provocar da\u00f1os en los m\u00f3dulos solares. Estos da\u00f1os suelen estar cubiertos por el seguro fotovoltaico, al igual que los da\u00f1os causados por <strong>Robo<\/strong>, <strong>Vandalismo<\/strong>, <strong>Errores de funcionamiento<\/strong>, <strong>B\u00fasqueda de animales<\/strong>, <strong>Fuego<\/strong>fallo de la tecnolog\u00eda de control y medici\u00f3n u otros <strong>Cortocircuitos<\/strong> y <strong>Accidentes<\/strong>.  <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 componentes fotovoltaicos est\u00e1n asegurados?<\/h2>\n\n\n\n<p>Las p\u00f3lizas de seguro fotovoltaico especiales para sistemas fotovoltaicos a gran escala aseguran los da\u00f1os en casi todos los casos. <strong>todos los componentes<\/strong>como m\u00f3dulos solares, inversores, elevaciones, cableado y contadores de alimentaci\u00f3n. El seguro tambi\u00e9n cubre, si se dispone de ellos, los <strong><a href=\"https:\/\/cubeconcepts.de\/es\/productos\/asignaturas-complementarias\/batteriespeicher-load-shifting\/\">Sistemas de almacenamiento de energ\u00eda<\/a> <\/strong>o estacionaria <strong>Estaciones de carga<\/strong>. Dado que algunas empresas tambi\u00e9n poseen sus propios transformadores, centros de transformaci\u00f3n, l\u00edneas de alimentaci\u00f3n y estaciones de transferencia (l\u00edneas de baja o media tensi\u00f3n), \u00e9stos tambi\u00e9n forman parte de la p\u00f3liza de seguro, al igual que todos los componentes del sistema fotovoltaico hasta el punto de alimentaci\u00f3n. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 da\u00f1os cubre el seguro fotovoltaico?<\/h2>\n\n\n\n<p>En el caso de grandes instalaciones fotovoltaicas comerciales como las realizadas por CUBE CONCEPTS, las soluciones individuales se acuerdan, por supuesto, con las respectivas compa\u00f1\u00edas de seguros fotovoltaicos. En principio, sin embargo, siempre se aplica lo siguiente <strong>todas las reparaciones<\/strong> todos <strong>Componentes fotovoltaicos<\/strong> est\u00e1n cubiertos. Tambi\u00e9n cubren la p\u00e9rdida de ingresos y las p\u00e9rdidas de explotaci\u00f3n. Compensan totalmente los costes adicionales de compra de electricidad a terceros durante los tiempos de reparaci\u00f3n o en caso de aver\u00eda total hasta el restablecimiento. El seguro fotovoltaico tambi\u00e9n cubre los trabajos relacionados con los da\u00f1os en tejados y\/o fachadas, as\u00ed como los movimientos de tierra necesarios, los trabajos de pavimentaci\u00f3n, alba\u00f1iler\u00eda y cincelado o la colocaci\u00f3n de andamios. Esto significa que todos los costes de desmontaje y montaje est\u00e1n cubiertos. Tambi\u00e9n est\u00e1n cubiertos los gastos de extinci\u00f3n de incendios, salvamento, limpieza, descontaminaci\u00f3n y eliminaci\u00f3n. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Seguro fotovoltaico: Alta seguridad por primas asequibles <\/h2>\n\n\n\n<p>En relaci\u00f3n con los costes de inversi\u00f3n, los posibles da\u00f1os y las primas manejables del seguro fotovoltaico, que se calculan individualmente seg\u00fan el tama\u00f1o del sistema en kWp y los componentes instalados, las primas anuales merecen la pena en cualquier caso. Las bajas primas son tambi\u00e9n el resultado de los elevados requisitos y normas que deben cumplirse al realizar un sistema fotovoltaico comercial. \u00c9stas minimizan considerablemente los riesgos durante el funcionamiento. Por esta raz\u00f3n, CUBE CONCEPTS realiza cada sistema fotovoltaico de acuerdo con los requisitos del seguro y prepara un certificado de seguro para cada sistema. <a href=\"https:\/\/cubeconcepts.de\/es\/servicios\/compra-de-cubos\/\">Sistema de compra<\/a> todos los documentos del seguro hasta la firma. En caso de <a href=\"https:\/\/cubeconcepts.de\/es\/servicios\/cubo-contratacion\/\">Sistema de contrataci\u00f3n<\/a> Por supuesto, se seguir\u00e1 el mismo procedimiento en el caso de un nuevo proyecto, pero CUBE CONCEPTS asumir\u00e1 todas las tareas y gastos. <\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/cubeconcepts.de\/es\/versicherungskonforme-pv-anlagen\/\">M\u00e1s informaci\u00f3n sobre el seguro FV<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/cubeconcepts.de\/es\/categoria\/temas-fotovoltaicos\/\">Volver a la vista general<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Alle Photovoltaikanlagen, die CUBE CONCEPTS f\u00fcr seine Auftraggeber realisiert, werden anschlie\u00dfend versichert. In Deutschland sind Photovoltaik Versicherungen zwar keine Pflicht, aber gerade im gewerblichen Bereich \u00e4u\u00dferst sinnvoll. Sie \u00fcbernehmen n\u00e4mlich im Schadensfall nicht nur die notwendigen Reparaturen, sondern sch\u00fctzen Unternehmen auch vor Ertrags- oder gar Betriebsausf\u00e4llen. Bei einem l\u00e4ngeren Ausfall einer PV-Anlage aufgrund von Reparaturarbeiten [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":7747,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[50,25],"tags":[],"class_list":["post-7735","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-photovoltaik-themen-in-deutschland-wissenswertes-fuer-energieprojekte","category-photovoltaik-themen"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Was bringen Photovoltaik Versicherungen? | CUBE CONCEPTS<\/title>\n<meta name=\"description\" content=\"Photovoltaik Versicherungen \u00fcbernehmen im Schadensfall nicht nur Reparaturarbeiten sondern sch\u00fctzen auch vor Ertrags- oder Betriebsausf\u00e4llen.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cubeconcepts.de\/es\/seguro-fotovoltaico-que-cubre\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Was bringen Photovoltaik Versicherungen? | CUBE CONCEPTS\" \/>\n<meta property=\"og:description\" content=\"Photovoltaik Versicherungen \u00fcbernehmen im Schadensfall nicht nur Reparaturarbeiten sondern sch\u00fctzen auch vor Ertrags- oder Betriebsausf\u00e4llen.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cubeconcepts.de\/es\/seguro-fotovoltaico-que-cubre\/\" \/>\n<meta property=\"og:site_name\" content=\"CUBE CONCEPTS\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-15T14:19:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-14T15:02:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cubeconcepts.de\/wp-content\/uploads\/2023\/06\/pexels-mikhail-nilov-7731331-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1868\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Guido Steenmans\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Guido Steenmans\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/cubeconcepts.de\\\/photovoltaik-versicherungen-was-leisten-sie\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/cubeconcepts.de\\\/photovoltaik-versicherungen-was-leisten-sie\\\/\"},\"author\":{\"name\":\"Guido Steenmans\",\"@id\":\"https:\\\/\\\/cubeconcepts.de\\\/#\\\/schema\\\/person\\\/2c762e4ca1ea252f42f23ab33248856e\"},\"headline\":\"Photovoltaik Versicherungen: Was leisten Sie?\",\"datePublished\":\"2023-06-15T14:19:55+00:00\",\"dateModified\":\"2025-05-14T15:02:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/cubeconcepts.de\\\/photovoltaik-versicherungen-was-leisten-sie\\\/\"},\"wordCount\":532,\"publisher\":{\"@id\":\"https:\\\/\\\/cubeconcepts.de\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/cubeconcepts.de\\\/photovoltaik-versicherungen-was-leisten-sie\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cubeconcepts.de\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/pexels-mikhail-nilov-7731331-scaled.jpg\",\"articleSection\":[\"Photovoltaik Themen in Deutschland: Wissenswertes f\u00fcr Energieprojekte\",\"Photovoltaik Themen: Wissenswertes f\u00fcr Energieprojekte\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/cubeconcepts.de\\\/photovoltaik-versicherungen-was-leisten-sie\\\/\",\"url\":\"https:\\\/\\\/cubeconcepts.de\\\/photovoltaik-versicherungen-was-leisten-sie\\\/\",\"name\":\"Was bringen Photovoltaik Versicherungen? 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