Gu\u00eda de prevenci\u00f3n Pymes | Seguros Bol\u00edvar<\/title>\n \n <link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n <link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Roboto:wght@300;400;500;700&family=Roboto+Condensed:wght@400;700;900&display=swap\" rel=\"stylesheet\">\n\n <style>\n \/* --- TOKENS RELUX --- *\/\n :root {\n --sb-green: #005F39;\n --sb-green-dark: #004529;\n --sb-green-soft: #F2F9F6;\n --sb-yellow: #FFE16F;\n --sb-text: #1B1B1B;\n --sb-text-light: #555555;\n --sb-white: #FFFFFF;\n --sb-radius: 16px;\n --sb-shadow: 0 10px 40px -10px rgba(0,95,57,0.1);\n }\n\n * { box-sizing: border-box; margin: 0; padding: 0; }\n body { font-family: 'Roboto', sans-serif; background-color: #FAFAFA; color: var(--sb-text); overflow-x: hidden; }\n h1, h2, h3, h4 { font-family: 'Roboto Condensed', sans-serif; }\n \n .sb-container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }\n\n \/* --- HERO BANNER --- *\/\n .sb-hero { \n padding: 60px 0 80px; \n background: var(--sb-white); \n border-bottom: 1px solid #eee;\n }\n \n .sb-hero-grid {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 50px;\n align-items: center;\n }\n\n .sb-hero-content { text-align: left; }\n\n .sb-hero h1 { \n font-size: clamp(2.2rem, 5vw, 3.2rem); \n font-weight: 900; \n color: var(--sb-green); \n margin-bottom: 20px; \n line-height: 1.1; \n text-transform: none;\n }\n \n .sb-hero p { \n font-size: 1.15rem; \n color: var(--sb-text-light); \n margin-bottom: 30px; \n line-height: 1.6;\n }\n \n .sb-cta-btn { \n display: inline-block; \n background-color: var(--sb-yellow); \n color: var(--sb-green-dark); \n padding: 15px 35px; \n border-radius: 50px; \n font-weight: 800; \n font-size: 1rem; \n text-decoration: none; \n transition: 0.3s; \n text-transform: none;\n letter-spacing: 0.5px;\n }\n .sb-cta-btn:hover { transform: translateY(-3px); box-shadow: 0 10px 20px rgba(255,225,111,0.4); }\n\n .sb-hero-image {\n width: 100%;\n height: 100%;\n max-height: 450px;\n object-fit: cover;\n border-radius: 20px;\n box-shadow: 0 20px 50px rgba(0,0,0,0.12);\n }\n\n \/* --- NUEVO: P\u00c1RRAFO INTRODUCTORIO --- *\/\n .sb-intro-text {\n padding: 60px 0 40px; \/* Espaciado superior e inferior *\/\n background-color: var(--sb-green-soft); \/* Fondo suave para conectar *\/\n }\n\n .sb-intro-box {\n max-width: 800px; \/* Ancho de lectura \u00f3ptimo *\/\n margin: 0 auto; \/* Centrado del bloque *\/\n text-align: left; \/* Alineaci\u00f3n del texto a la izquierda *\/\n }\n\n .sb-intro-p {\n font-size: 1.2rem;\n line-height: 1.8;\n color: var(--sb-text);\n font-weight: 400;\n margin: 0;\n }\n\n .sb-intro-link {\n color: var(--sb-green);\n font-weight: 700;\n text-decoration: none;\n border-bottom: 2px solid transparent;\n transition: all 0.2s;\n }\n .sb-intro-link:hover {\n border-bottom-color: var(--sb-green);\n }\n\n \/* --- SCROLLYTELLING --- *\/\n .sb-scrolly-section { \n padding: 40px 0 80px; \/* Padding superior reducido por el texto previo *\/\n background-color: var(--sb-green-soft); \n position: relative;\n }\n \n .sb-scrolly-grid {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 60px;\n align-items: start;\n }\n\n .sb-scroll-content {\n display: flex;\n flex-direction: column;\n gap: 400px;\n padding-bottom: 100px;\n padding-top: 50px;\n position: relative;\n z-index: 2;\n }\n\n .sb-timeline-line {\n position: absolute;\n left: 20px;\n top: 70px;\n bottom: 150px;\n width: 4px;\n background: #E0E0E0;\n z-index: -1;\n }\n\n .sb-point-card {\n background: var(--sb-white);\n padding: 40px;\n border-radius: var(--sb-radius);\n border-left: 6px solid var(--sb-green);\n box-shadow: var(--sb-shadow);\n position: relative;\n opacity: 0.3; \n transform: scale(0.95);\n transition: all 0.5s ease-out;\n }\n \n .sb-point-card.active-step { opacity: 1; transform: scale(1); box-shadow: 0 20px 50px rgba(0,0,0,0.15); }\n\n .sb-point-marker {\n position: absolute;\n left: -43px; top: 40px;\n width: 24px; height: 24px;\n background: var(--sb-white);\n border: 5px solid var(--sb-green);\n border-radius: 50%;\n transition: 0.3s;\n }\n .sb-point-card.active-step .sb-point-marker { background: var(--sb-yellow); transform: scale(1.3); }\n\n .sb-point-card h3 { \n font-size: 1.6rem; \n margin-bottom: 15px; \n color: var(--sb-green); \n font-weight: 900; \n text-transform: none; \n }\n .sb-point-card p { font-size: 1.1rem; color: var(--sb-text-light); line-height: 1.7; }\n\n .sb-timeline-desc { font-size: 1.1rem; color: var(--sb-text-light); line-height: 1.6; }\n\n .sb-sticky-col {\n position: sticky;\n top: 100px;\n height: fit-content;\n display: flex;\n flex-direction: column;\n gap: 20px;\n }\n\n .sb-sticky-title {\n text-align: center;\n font-size: 2.2rem;\n color: var(--sb-green);\n font-weight: 900;\n background: rgba(255,255,255,0.9);\n padding: 15px;\n border-radius: 12px;\n backdrop-filter: blur(5px);\n margin-bottom: 10px;\n text-transform: none;\n }\n\n .sb-infographic-card {\n background: var(--sb-white);\n padding: 15px;\n border-radius: var(--sb-radius);\n box-shadow: 0 15px 40px rgba(0,0,0,0.12);\n text-align: center;\n border: 1px solid #eee;\n position: relative;\n cursor: zoom-in;\n overflow: hidden;\n }\n\n .sb-preview-img {\n width: 100%; height: auto;\n border-radius: 12px;\n transition: transform 0.4s ease;\n display: block;\n }\n\n .sb-zoom-icon {\n position: absolute;\n top: 50%; left: 50%;\n transform: translate(-50%, -50%) scale(0.8);\n background: rgba(0, 95, 57, 0.9);\n color: #fff;\n width: 70px; height: 70px;\n border-radius: 50%;\n display: flex; align-items: center; justify-content: center;\n opacity: 0;\n transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);\n box-shadow: 0 10px 30px rgba(0,0,0,0.3);\n font-size: 30px;\n }\n\n .sb-infographic-card:hover .sb-preview-img { filter: brightness(0.95); transform: scale(1.03); }\n .sb-infographic-card:hover .sb-zoom-icon { opacity: 1; transform: translate(-50%, -50%) scale(1); }\n\n \/* --- FORMULARIO --- *\/\n .sb-form-module { padding: 80px 0; background: var(--sb-white); text-align: center; }\n \n .bloque-pymes-intext {\n --sb-green: #005F39;\n --sb-green-dark: #004529;\n --sb-yellow: #FFE16F;\n --sb-text: #1B1B1B;\n --sb-text-light: #757575;\n --sb-bg-light: #F2F9F6;\n --sb-white: #FFFFFF;\n --sb-radius: 12px;\n }\n\n .bloque-pymes-intext .cotizador-wrap {\n width: 100%; max-width: 980px; margin: 40px auto; padding: 0;\n box-sizing: border-box; font-family: 'Roboto', sans-serif;\n }\n\n .bloque-pymes-intext .cta-ahorro-banner {\n background: var(--sb-white);\n border-left: 6px solid var(--sb-yellow);\n border-radius: var(--sb-radius);\n padding: 30px;\n display: flex; align-items: flex-start; gap: 24px;\n margin: 0 auto 20px;\n box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);\n transition: transform 0.2s ease, box-shadow 0.2s ease;\n text-align: left;\n }\n .bloque-pymes-intext .cta-ahorro-banner:hover { transform: translateY(-3px); box-shadow: 0 10px 25px rgba(0, 0, 0, 0.12); }\n\n .bloque-pymes-intext .cta-ahorro-icon {\n background-color: var(--sb-green); width: 56px; height: 56px;\n border-radius: 50%; display: flex; align-items: center; justify-content: center;\n flex-shrink: 0; box-shadow: 0 4px 12px rgba(0, 95, 57, 0.3);\n }\n .bloque-pymes-intext .cta-ahorro-icon svg { width: 28px; height: 28px; color: var(--sb-yellow); fill: none; stroke: currentColor; stroke-width: 2; }\n\n .bloque-pymes-intext .cta-ahorro-text { flex: 1; }\n \n .bloque-pymes-intext .cta-ahorro-text h3 {\n margin: 0 0 8px 0; font-size: 24px; font-weight: 700; color: var(--sb-green); line-height: 1.2;\n text-transform: none; \n }\n\n .bloque-pymes-intext .sb-subtitle { margin: 0 0 16px 0; font-size: 16px; font-weight: 400; color: var(--sb-text-light); line-height: 1.5; }\n .bloque-pymes-intext .sb-cta-box { background-color: var(--sb-bg-light); padding: 15px 20px; border-radius: 8px; border-left: 4px solid var(--sb-green); font-size: 14px; color: var(--sb-text); line-height: 1.5; }\n .bloque-pymes-intext .sb-cta-box strong { color: var(--sb-green-dark); font-weight: 700; display: block; margin-top: 4px; font-size: 16px; }\n\n .bloque-pymes-intext .iframe-container {\n margin: 0 auto; height: 490px; position: relative; width: 100%;\n background-color: var(--sb-white); border-radius: var(--sb-radius);\n box-shadow: 0 4px 20px rgba(0,0,0,0.05); overflow: hidden; border: 1px solid #E0E0E0;\n }\n .bloque-pymes-intext .iframe-container iframe { width: 100%; height: 100%; border: 0; display: block; }\n\n \/* --- FEATURES --- *\/\n .sb-features { padding: 80px 0; background: var(--sb-white); }\n .sb-features-header { \n background: var(--sb-yellow); padding: 30px 20px; border-radius: 16px; \n text-align: center; max-width: 900px; margin: 0 auto 50px; \n box-shadow: 0 10px 30px rgba(255, 225, 111, 0.3); \n }\n \n .sb-features-title { \n margin: 0; color: var(--sb-green); font-size: clamp(1.5rem, 4vw, 2.2rem); \n font-weight: 900; line-height: 1.2; text-transform: none; \n }\n \n .sb-features-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 30px; }\n \n .sb-feat-card { \n padding: 30px 20px; background: #fff; border-radius: 16px; border: 1px solid #eee; \n text-align: center; transition: 0.3s; box-shadow: 0 5px 15px rgba(0,0,0,0.03); \n }\n .sb-feat-card:hover { box-shadow: 0 15px 30px rgba(0,0,0,0.08); border-color: var(--sb-green); transform: translateY(-5px); }\n \n .sb-feat-icon-circle { \n width: 70px; height: 70px; border: 2px solid var(--sb-yellow); border-radius: 50%; \n display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; \n color: var(--sb-green); background: #fff; font-size: 2rem; \n }\n .sb-feat-card p { font-size: 1rem; color: var(--sb-text); line-height: 1.5; font-weight: 500; }\n\n \/* --- LIGHTBOX --- *\/\n .sb-lightbox {\n display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%;\n background-color: rgba(0,0,0,0.95); justify-content: center; align-items: center;\n flex-direction: column; opacity: 0; transition: opacity 0.3s ease; padding: 20px;\n }\n .sb-lightbox.active { display: flex; opacity: 1; }\n .sb-lightbox-img { max-width: 95%; max-height: 85vh; border-radius: 8px; box-shadow: 0 0 50px rgba(0,0,0,0.5); object-fit: contain; }\n .sb-close-lightbox { position: absolute; top: 20px; right: 30px; color: #fff; font-size: 40px; font-weight: bold; cursor: pointer; transition: 0.2s; }\n .sb-close-lightbox:hover { color: var(--sb-yellow); }\n\n @media (max-width: 900px) {\n .sb-hero-grid { grid-template-columns: 1fr; text-align: center; }\n .sb-hero-content { padding-right: 0; }\n .sb-scrolly-grid { grid-template-columns: 1fr; }\n .sb-sticky-col { position: relative; top: 0; order: -1; margin-bottom: 40px; }\n .sb-scroll-content { gap: 60px; padding-top: 0; padding-bottom: 0; }\n .sb-timeline-line { top: 0; bottom: 0; }\n \n .bloque-pymes-intext .cta-ahorro-banner { flex-direction: column; align-items: center; text-align: center; border-left: none; border-top: 6px solid var(--sb-yellow); }\n .bloque-pymes-intext .iframe-container { height: 600px !important; }\n }\n <\/style>\n<\/head>\n<body>\n\n <header class=\"sb-hero\">\n <div class=\"sb-container\">\n <div class=\"sb-hero-grid\">\n <div class=\"sb-hero-content\">\n <h1>Gu\u00eda de prevenci\u00f3n para da\u00f1os por agua<\/h1>\n <p>Los da\u00f1os por agua representan hasta el <strong>65% de los incidentes<\/strong> reportados por Pymes en Colombia. Descubra c\u00f3mo proteger su negocio hoy mismo con nuestra gu\u00eda experta.<\/p>\n <a href=\"#form-section\" class=\"sb-cta-btn\">Cotizar seguro Pymes<\/a>\n <\/div>\n <div>\n <img decoding=\"async\" src=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/12162900\/Guia-prevencion-lluvias-seguros-bolivar.jpg\" alt=\"Importancia de un seguro para pymes\" class=\"sb-hero-image\">\n <\/div>\n <\/div>\n <\/div>\n <\/header>\n\n <section class=\"sb-intro-text\">\n <div class=\"sb-container\">\n <div class=\"sb-intro-box\">\n <p class=\"sb-intro-p\">\n Prevenir los da\u00f1os por agua no solo reduce p\u00e9rdidas econ\u00f3micas, tambi\u00e9n protege la operaci\u00f3n, los equipos y la continuidad de su negocio. Con informaci\u00f3n clara y acciones concretas, es posible anticiparse a los riesgos m\u00e1s comunes y evitar interrupciones innecesarias. Porque cuando su empresa est\u00e1 protegida, usted puede concentrarse en lo m\u00e1s importante: hacerla crecer. Con <a href=\"https:\/\/www.segurosbolivar.com\/\" target=\"_blank\" rel=\"noopener\" class=\"sb-intro-link\">Seguros Bol\u00edvar<\/a> usted tiene un negocio bien seguro.\n <\/p>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"sb-scrolly-section\">\n <div class=\"sb-container\">\n \n <div class=\"sb-scrolly-grid\">\n \n <div class=\"sb-scroll-content\">\n <div class=\"sb-timeline-line\"><\/div>\n\n <div class=\"sb-point-card step-trigger\">\n <div class=\"sb-point-marker\"><\/div>\n <h3>1. Techos y canales<\/h3>\n <p>Revise techos, canales y bajantes al menos <strong>dos veces al a\u00f1o<\/strong>. Un mantenimiento regular previene problemas mayores. Mant\u00e9ngalos libres de hojas y suciedad para asegurar que el agua fluya sin problemas.<\/p>\n <\/div>\n \n <div class=\"sb-point-card step-trigger\">\n <div class=\"sb-point-marker\"><\/div>\n <h3>2. Estado de las tejas<\/h3>\n <p>\u00bfTejas voladoras? Aseg\u00farese de que no est\u00e9n corridas, agrietadas o fisuradas. Verifique que los amarres y platinas est\u00e9n en buenas condiciones para evitar filtraciones inesperadas.<\/p>\n <\/div>\n\n <div class=\"sb-point-card step-trigger\">\n <div class=\"sb-point-marker\"><\/div>\n <h3>3. Elevaci\u00f3n de mercanc\u00eda<\/h3>\n <p>Evite que sus equipos \"naufraguen\". Utilice <strong>estibas<\/strong> para elevar materiales m\u00ednimo <strong>10 cm del piso<\/strong>. Mant\u00e9ngalos separados de las paredes y alejados de tubos de agua.<\/p>\n <\/div>\n\n <div class=\"sb-point-card step-trigger\">\n <div class=\"sb-point-marker\"><\/div>\n <h3>4. Control de suministro<\/h3>\n <p>\u00a1No permita sorpresas! Revise los soportes de las tuber\u00edas. No olvide suspender el suministro de agua cerrando las llaves de paso en <strong>d\u00edas y horas no laborales<\/strong>.<\/p>\n <\/div>\n\n <div class=\"sb-point-card step-trigger\" style=\"border-left-color: var(--sb-yellow);\">\n <div class=\"sb-point-marker\"><\/div>\n <h3>5. Plan de emergencia<\/h3>\n <div class=\"sb-timeline-desc\">\n <p>Defina funciones espec\u00edficas. Identifique eventos cr\u00edticos, defina procesos vitales y asigne cargos prioritarios para reaccionar organizadamente.<\/p>\n <ul style=\"margin-top:10px; padding-left:20px; list-style:disc; color:#555;\">\n <li>Identificaci\u00f3n de riesgos.<\/li>\n <li>Definici\u00f3n de procesos cr\u00edticos.<\/li>\n <li>Asignaci\u00f3n de roles y cargos.<\/li>\n <\/ul>\n <\/div>\n <\/div>\n\n <\/div>\n\n <div class=\"sb-sticky-col\">\n <h2 class=\"sb-sticky-title\">Ruta de prevenci\u00f3n<\/h2>\n \n <div class=\"sb-infographic-card\" onclick=\"openLightbox()\">\n <img decoding=\"async\" src=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/09200129\/Prevencion-Danos-por-Agua-Lluvias.jpg\" class=\"sb-preview-img\" alt=\"Infograf\u00eda prevenci\u00f3n pymes\">\n <div class=\"sb-zoom-icon\">\ud83d\udd0d<\/div>\n <\/div>\n\n <p style=\"text-align:center; font-size:0.9rem; color:#666; margin-top:5px;\">Clic para ampliar la imagen<\/p>\n \n <div style=\"margin-top:10px; text-align:center;\">\n <a href=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/09170710\/Prevencion-Danos-por-Agua-Lluvias.pdf\" target=\"_blank\" class=\"sb-cta-btn\" style=\"background:var(--sb-white); border:1px solid var(--sb-green); color:var(--sb-green); width:100%;\" rel=\"noopener\">\n \u2b07 Descargar PDF\n <\/a>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n <\/section>\n\n <section id=\"form-section\" class=\"sb-form-module\" style=\"background: white; padding: 40px 0;\">\n <div class=\"sb-container\">\n <h2 style=\"font-size:2rem; color:var(--sb-green); margin-bottom:20px; font-weight:900;\">Cotice su Seguro Tranquilidad Pymes<\/h2>\n \n <div class=\"bloque-pymes-intext\">\n <div class=\"cotizador-wrap\">\n \n <div class=\"cta-ahorro-banner\">\n <div class=\"cta-ahorro-icon\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\">\n <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M3.75 21h16.5M4.5 3h15M5.25 3v18m13.5-18v18M9 6.75h1.5m-1.5 3h1.5m-1.5 3h1.5m3-6H15m-1.5 3H15m-1.5 3H15M9 21v-3.375c0-.621.504-1.125 1.125-1.125h3.75c.621 0 1.125.504 1.125 1.125V21\" \/>\n <\/svg>\n <\/div>\n \n <div class=\"cta-ahorro-text\">\n <h3>Impulse y proteja su negocio<\/h3>\n <p class=\"sb-subtitle\">Sabemos que su empresa es su mayor proyecto. Asegure su continuidad, patrimonio y empleados ante cualquier imprevisto.<\/p>\n <div class=\"sb-cta-box\">\n Asesor\u00eda experta a su alcance.<br>\n <strong>D\u00e9jenos sus datos y dise\u00f1aremos el plan perfecto para su sector.<\/strong>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"iframe-container\">\n <iframe\n id=\"cotizador-bolivar\"\n name=\"cotizador-bolivar\"\n src=\"https:\/\/digital.experienciasbolivar.segurosbolivar.com\/pymes-ofertas-por-sector-form?utm_source=Blog&utm_medium=Blog&utm_campaign=Pymes_formulario\"\n scrolling=\"yes\" \n allowtransparency=\"true\"\n loading=\"lazy\">\n <\/iframe>\n <\/div>\n \n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"sb-features\">\n <div class=\"sb-container\">\n <div class=\"sb-features-header\">\n <h2 class=\"sb-features-title\">Con el <em>Seguro Tranquilidad Pymes<\/em> usted podr\u00e1 disfrutar de:<\/h2>\n <\/div>\n\n <div class=\"sb-features-grid\">\n <div class=\"sb-feat-card\">\n <div class=\"sb-feat-icon-circle\">\n <svg width=\"32\" height=\"32\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M2 20h20\"\/><path d=\"M5 20V8a2 2 0 0 1 2-2h10a2 2 0 0 1 2 2v12\"\/><path d=\"M10 20v-6h4v6\"\/><\/svg>\n <\/div>\n <p>Acompa\u00f1amiento en caso de p\u00e9rdida o da\u00f1o de sus muebles, aparatos o equipos.<\/p>\n <\/div>\n <div class=\"sb-feat-card\">\n <div class=\"sb-feat-icon-circle\">\n <svg width=\"32\" height=\"32\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg>\n <\/div>\n <p>Protecci\u00f3n a su negocio en caso de movilizaci\u00f3n de mercanc\u00eda, robo, p\u00e9rdida de dinero o da\u00f1os a terceros.<\/p>\n <\/div>\n <div class=\"sb-feat-card\">\n <div class=\"sb-feat-icon-circle\">\n <svg width=\"32\" height=\"32\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21 2l-2 2m-7.61 7.61a5.5 5.5 0 1 1-7.778 7.778 5.5 5.5 0 0 1 7.777-7.777zm0 0L15.5 7.5m0 0l3 3L22 7l-3-3m-3.5 3.5L19 4\"\/><\/svg>\n <\/div>\n <p>Ayuda en caso de emergencias con el gas, cerrajer\u00eda, tubos o vidrios rotos, entre otros.<\/p>\n <\/div>\n <div class=\"sb-feat-card\">\n <div class=\"sb-feat-icon-circle\">\n <svg width=\"32\" height=\"32\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"5\" y=\"2\" width=\"14\" height=\"20\" rx=\"2\" ry=\"2\"\/><line x1=\"12\" y1=\"18\" x2=\"12.01\" y2=\"18\"\/><\/svg>\n <\/div>\n <p>Asesor\u00eda jur\u00eddica en caso de necesitar un experto.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <div id=\"lightbox\" class=\"sb-lightbox\" onclick=\"closeLightbox()\">\n <span class=\"sb-close-lightbox\">×<\/span>\n <img decoding=\"async\" class=\"sb-lightbox-img\" src=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/09200129\/Prevencion-Danos-por-Agua-Lluvias.jpg\" alt=\"Infograf\u00eda prevenci\u00f3n pymes completa\">\n \n <a href=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/09170710\/Prevencion-Danos-por-Agua-Lluvias.pdf\" target=\"_blank\" class=\"sb-cta-btn\" style=\"margin-top:20px; background:white; color:var(--sb-green); z-index:10001; position:relative; text-transform:none;\" rel=\"noopener\">\n Descargar PDF original\n <\/a>\n <\/div>\n\n <script>\n \/\/ 1. Lightbox Logic\n function openLightbox() {\n document.getElementById('lightbox').classList.add('active');\n document.body.style.overflow = 'hidden'; \n }\n function closeLightbox() {\n document.getElementById('lightbox').classList.remove('active');\n document.body.style.overflow = 'auto'; \n }\n\n \/\/ 2. Scroll Animation Logic\n document.addEventListener(\"DOMContentLoaded\", function() {\n const cards = document.querySelectorAll('.step-trigger');\n \n const observer = new IntersectionObserver((entries) => {\n entries.forEach(entry => {\n if (entry.isIntersecting) {\n cards.forEach(c => c.classList.remove('active-step'));\n entry.target.classList.add('active-step');\n }\n });\n }, { \n threshold: 0.6, \/\/ Activaci\u00f3n al 60% visible\n rootMargin: \"-10% 0px -10% 0px\"\n });\n\n cards.forEach(card => observer.observe(card));\n });\n <\/script>\n\n<\/body>\n<\/html>\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>Los da\u00f1os por agua son una de las principales causas de p\u00e9rdidas en las Pymes. Identificar los riesgos y actuar a tiempo es clave para proteger su negocio.<\/p>\n","protected":false},"author":14,"featured_media":46280,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[196],"tags":[],"class_list":["post-45652","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guias"],"_links":{"self":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts\/45652","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/comments?post=45652"}],"version-history":[{"count":56,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts\/45652\/revisions"}],"predecessor-version":[{"id":46496,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts\/45652\/revisions\/46496"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/media\/46280"}],"wp:attachment":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/media?parent=45652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/categories?post=45652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/tags?post=45652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

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\n\t\t\t\t\t\n\n\n \n \n Gu\u00eda de prevenci\u00f3n Pymes | Seguros Bol\u00edvar<\/title>\n \n <link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n <link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Roboto:wght@300;400;500;700&family=Roboto+Condensed:wght@400;700;900&display=swap\" rel=\"stylesheet\">\n\n <style>\n \/* --- TOKENS RELUX --- *\/\n :root {\n --sb-green: #005F39;\n --sb-green-dark: #004529;\n --sb-green-soft: #F2F9F6;\n --sb-yellow: #FFE16F;\n --sb-text: #1B1B1B;\n --sb-text-light: #555555;\n --sb-white: #FFFFFF;\n --sb-radius: 16px;\n --sb-shadow: 0 10px 40px -10px rgba(0,95,57,0.1);\n }\n\n * { box-sizing: border-box; margin: 0; padding: 0; }\n body { font-family: 'Roboto', sans-serif; background-color: #FAFAFA; color: var(--sb-text); overflow-x: hidden; }\n h1, h2, h3, h4 { font-family: 'Roboto Condensed', sans-serif; }\n \n .sb-container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }\n\n \/* --- HERO BANNER --- *\/\n .sb-hero { \n padding: 60px 0 80px; \n background: var(--sb-white); \n border-bottom: 1px solid #eee;\n }\n \n .sb-hero-grid {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 50px;\n align-items: center;\n }\n\n .sb-hero-content { text-align: left; }\n\n .sb-hero h1 { \n font-size: clamp(2.2rem, 5vw, 3.2rem); \n font-weight: 900; \n color: var(--sb-green); \n margin-bottom: 20px; \n line-height: 1.1; \n text-transform: none;\n }\n \n .sb-hero p { \n font-size: 1.15rem; \n color: var(--sb-text-light); \n margin-bottom: 30px; \n line-height: 1.6;\n }\n \n .sb-cta-btn { \n display: inline-block; \n background-color: var(--sb-yellow); \n color: var(--sb-green-dark); \n padding: 15px 35px; \n border-radius: 50px; \n font-weight: 800; \n font-size: 1rem; \n text-decoration: none; \n transition: 0.3s; \n text-transform: none;\n letter-spacing: 0.5px;\n }\n .sb-cta-btn:hover { transform: translateY(-3px); box-shadow: 0 10px 20px rgba(255,225,111,0.4); }\n\n .sb-hero-image {\n width: 100%;\n height: 100%;\n max-height: 450px;\n object-fit: cover;\n border-radius: 20px;\n box-shadow: 0 20px 50px rgba(0,0,0,0.12);\n }\n\n \/* --- NUEVO: P\u00c1RRAFO INTRODUCTORIO --- *\/\n .sb-intro-text {\n padding: 60px 0 40px; \/* Espaciado superior e inferior *\/\n background-color: var(--sb-green-soft); \/* Fondo suave para conectar *\/\n }\n\n .sb-intro-box {\n max-width: 800px; \/* Ancho de lectura \u00f3ptimo *\/\n margin: 0 auto; \/* Centrado del bloque *\/\n text-align: left; \/* Alineaci\u00f3n del texto a la izquierda *\/\n }\n\n .sb-intro-p {\n font-size: 1.2rem;\n line-height: 1.8;\n color: var(--sb-text);\n font-weight: 400;\n margin: 0;\n }\n\n .sb-intro-link {\n color: var(--sb-green);\n font-weight: 700;\n text-decoration: none;\n border-bottom: 2px solid transparent;\n transition: all 0.2s;\n }\n .sb-intro-link:hover {\n border-bottom-color: var(--sb-green);\n }\n\n \/* --- SCROLLYTELLING --- *\/\n .sb-scrolly-section { \n padding: 40px 0 80px; \/* Padding superior reducido por el texto previo *\/\n background-color: var(--sb-green-soft); \n position: relative;\n }\n \n .sb-scrolly-grid {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 60px;\n align-items: start;\n }\n\n .sb-scroll-content {\n display: flex;\n flex-direction: column;\n gap: 400px;\n padding-bottom: 100px;\n padding-top: 50px;\n position: relative;\n z-index: 2;\n }\n\n .sb-timeline-line {\n position: absolute;\n left: 20px;\n top: 70px;\n bottom: 150px;\n width: 4px;\n background: #E0E0E0;\n z-index: -1;\n }\n\n .sb-point-card {\n background: var(--sb-white);\n padding: 40px;\n border-radius: var(--sb-radius);\n border-left: 6px solid var(--sb-green);\n box-shadow: var(--sb-shadow);\n position: relative;\n opacity: 0.3; \n transform: scale(0.95);\n transition: all 0.5s ease-out;\n }\n \n .sb-point-card.active-step { opacity: 1; transform: scale(1); box-shadow: 0 20px 50px rgba(0,0,0,0.15); }\n\n .sb-point-marker {\n position: absolute;\n left: -43px; top: 40px;\n width: 24px; height: 24px;\n background: var(--sb-white);\n border: 5px solid var(--sb-green);\n border-radius: 50%;\n transition: 0.3s;\n }\n .sb-point-card.active-step .sb-point-marker { background: var(--sb-yellow); transform: scale(1.3); }\n\n .sb-point-card h3 { \n font-size: 1.6rem; \n margin-bottom: 15px; \n color: var(--sb-green); \n font-weight: 900; \n text-transform: none; \n }\n .sb-point-card p { font-size: 1.1rem; color: var(--sb-text-light); line-height: 1.7; }\n\n .sb-timeline-desc { font-size: 1.1rem; color: var(--sb-text-light); line-height: 1.6; }\n\n .sb-sticky-col {\n position: sticky;\n top: 100px;\n height: fit-content;\n display: flex;\n flex-direction: column;\n gap: 20px;\n }\n\n .sb-sticky-title {\n text-align: center;\n font-size: 2.2rem;\n color: var(--sb-green);\n font-weight: 900;\n background: rgba(255,255,255,0.9);\n padding: 15px;\n border-radius: 12px;\n backdrop-filter: blur(5px);\n margin-bottom: 10px;\n text-transform: none;\n }\n\n .sb-infographic-card {\n background: var(--sb-white);\n padding: 15px;\n border-radius: var(--sb-radius);\n box-shadow: 0 15px 40px rgba(0,0,0,0.12);\n text-align: center;\n border: 1px solid #eee;\n position: relative;\n cursor: zoom-in;\n overflow: hidden;\n }\n\n .sb-preview-img {\n width: 100%; height: auto;\n border-radius: 12px;\n transition: transform 0.4s ease;\n display: block;\n }\n\n .sb-zoom-icon {\n position: absolute;\n top: 50%; left: 50%;\n transform: translate(-50%, -50%) scale(0.8);\n background: rgba(0, 95, 57, 0.9);\n color: #fff;\n width: 70px; height: 70px;\n border-radius: 50%;\n display: flex; align-items: center; justify-content: center;\n opacity: 0;\n transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);\n box-shadow: 0 10px 30px rgba(0,0,0,0.3);\n font-size: 30px;\n }\n\n .sb-infographic-card:hover .sb-preview-img { filter: brightness(0.95); transform: scale(1.03); }\n .sb-infographic-card:hover .sb-zoom-icon { opacity: 1; transform: translate(-50%, -50%) scale(1); }\n\n \/* --- FORMULARIO --- *\/\n .sb-form-module { padding: 80px 0; background: var(--sb-white); text-align: center; }\n \n .bloque-pymes-intext {\n --sb-green: #005F39;\n --sb-green-dark: #004529;\n --sb-yellow: #FFE16F;\n --sb-text: #1B1B1B;\n --sb-text-light: #757575;\n --sb-bg-light: #F2F9F6;\n --sb-white: #FFFFFF;\n --sb-radius: 12px;\n }\n\n .bloque-pymes-intext .cotizador-wrap {\n width: 100%; max-width: 980px; margin: 40px auto; padding: 0;\n box-sizing: border-box; font-family: 'Roboto', sans-serif;\n }\n\n .bloque-pymes-intext .cta-ahorro-banner {\n background: var(--sb-white);\n border-left: 6px solid var(--sb-yellow);\n border-radius: var(--sb-radius);\n padding: 30px;\n display: flex; align-items: flex-start; gap: 24px;\n margin: 0 auto 20px;\n box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);\n transition: transform 0.2s ease, box-shadow 0.2s ease;\n text-align: left;\n }\n .bloque-pymes-intext .cta-ahorro-banner:hover { transform: translateY(-3px); box-shadow: 0 10px 25px rgba(0, 0, 0, 0.12); }\n\n .bloque-pymes-intext .cta-ahorro-icon {\n background-color: var(--sb-green); width: 56px; height: 56px;\n border-radius: 50%; display: flex; align-items: center; justify-content: center;\n flex-shrink: 0; box-shadow: 0 4px 12px rgba(0, 95, 57, 0.3);\n }\n .bloque-pymes-intext .cta-ahorro-icon svg { width: 28px; height: 28px; color: var(--sb-yellow); fill: none; stroke: currentColor; stroke-width: 2; }\n\n .bloque-pymes-intext .cta-ahorro-text { flex: 1; }\n \n .bloque-pymes-intext .cta-ahorro-text h3 {\n margin: 0 0 8px 0; font-size: 24px; font-weight: 700; color: var(--sb-green); line-height: 1.2;\n text-transform: none; \n }\n\n .bloque-pymes-intext .sb-subtitle { margin: 0 0 16px 0; font-size: 16px; font-weight: 400; color: var(--sb-text-light); line-height: 1.5; }\n .bloque-pymes-intext .sb-cta-box { background-color: var(--sb-bg-light); padding: 15px 20px; border-radius: 8px; border-left: 4px solid var(--sb-green); font-size: 14px; color: var(--sb-text); line-height: 1.5; }\n .bloque-pymes-intext .sb-cta-box strong { color: var(--sb-green-dark); font-weight: 700; display: block; margin-top: 4px; font-size: 16px; }\n\n .bloque-pymes-intext .iframe-container {\n margin: 0 auto; height: 490px; position: relative; width: 100%;\n background-color: var(--sb-white); border-radius: var(--sb-radius);\n box-shadow: 0 4px 20px rgba(0,0,0,0.05); overflow: hidden; border: 1px solid #E0E0E0;\n }\n .bloque-pymes-intext .iframe-container iframe { width: 100%; height: 100%; border: 0; display: block; }\n\n \/* --- FEATURES --- *\/\n .sb-features { padding: 80px 0; background: var(--sb-white); }\n .sb-features-header { \n background: var(--sb-yellow); padding: 30px 20px; border-radius: 16px; \n text-align: center; max-width: 900px; margin: 0 auto 50px; \n box-shadow: 0 10px 30px rgba(255, 225, 111, 0.3); \n }\n \n .sb-features-title { \n margin: 0; color: var(--sb-green); font-size: clamp(1.5rem, 4vw, 2.2rem); \n font-weight: 900; line-height: 1.2; text-transform: none; \n }\n \n .sb-features-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 30px; }\n \n .sb-feat-card { \n padding: 30px 20px; background: #fff; border-radius: 16px; border: 1px solid #eee; \n text-align: center; transition: 0.3s; box-shadow: 0 5px 15px rgba(0,0,0,0.03); \n }\n .sb-feat-card:hover { box-shadow: 0 15px 30px rgba(0,0,0,0.08); border-color: var(--sb-green); transform: translateY(-5px); }\n \n .sb-feat-icon-circle { \n width: 70px; height: 70px; border: 2px solid var(--sb-yellow); border-radius: 50%; \n display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; \n color: var(--sb-green); background: #fff; font-size: 2rem; \n }\n .sb-feat-card p { font-size: 1rem; color: var(--sb-text); line-height: 1.5; font-weight: 500; }\n\n \/* --- LIGHTBOX --- *\/\n .sb-lightbox {\n display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%;\n background-color: rgba(0,0,0,0.95); justify-content: center; align-items: center;\n flex-direction: column; opacity: 0; transition: opacity 0.3s ease; padding: 20px;\n }\n .sb-lightbox.active { display: flex; opacity: 1; }\n .sb-lightbox-img { max-width: 95%; max-height: 85vh; border-radius: 8px; box-shadow: 0 0 50px rgba(0,0,0,0.5); object-fit: contain; }\n .sb-close-lightbox { position: absolute; top: 20px; right: 30px; color: #fff; font-size: 40px; font-weight: bold; cursor: pointer; transition: 0.2s; }\n .sb-close-lightbox:hover { color: var(--sb-yellow); }\n\n @media (max-width: 900px) {\n .sb-hero-grid { grid-template-columns: 1fr; text-align: center; }\n .sb-hero-content { padding-right: 0; }\n .sb-scrolly-grid { grid-template-columns: 1fr; }\n .sb-sticky-col { position: relative; top: 0; order: -1; margin-bottom: 40px; }\n .sb-scroll-content { gap: 60px; padding-top: 0; padding-bottom: 0; }\n .sb-timeline-line { top: 0; bottom: 0; }\n \n .bloque-pymes-intext .cta-ahorro-banner { flex-direction: column; align-items: center; text-align: center; border-left: none; border-top: 6px solid var(--sb-yellow); }\n .bloque-pymes-intext .iframe-container { height: 600px !important; }\n }\n <\/style>\n<\/head>\n<body>\n\n <header class=\"sb-hero\">\n <div class=\"sb-container\">\n <div class=\"sb-hero-grid\">\n <div class=\"sb-hero-content\">\n <h1>Gu\u00eda de prevenci\u00f3n para da\u00f1os por agua<\/h1>\n <p>Los da\u00f1os por agua representan hasta el <strong>65% de los incidentes<\/strong> reportados por Pymes en Colombia. Descubra c\u00f3mo proteger su negocio hoy mismo con nuestra gu\u00eda experta.<\/p>\n <a href=\"#form-section\" class=\"sb-cta-btn\">Cotizar seguro Pymes<\/a>\n <\/div>\n <div>\n <img decoding=\"async\" src=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/12162900\/Guia-prevencion-lluvias-seguros-bolivar.jpg\" alt=\"Importancia de un seguro para pymes\" class=\"sb-hero-image\">\n <\/div>\n <\/div>\n <\/div>\n <\/header>\n\n <section class=\"sb-intro-text\">\n <div class=\"sb-container\">\n <div class=\"sb-intro-box\">\n <p class=\"sb-intro-p\">\n Prevenir los da\u00f1os por agua no solo reduce p\u00e9rdidas econ\u00f3micas, tambi\u00e9n protege la operaci\u00f3n, los equipos y la continuidad de su negocio. Con informaci\u00f3n clara y acciones concretas, es posible anticiparse a los riesgos m\u00e1s comunes y evitar interrupciones innecesarias. Porque cuando su empresa est\u00e1 protegida, usted puede concentrarse en lo m\u00e1s importante: hacerla crecer. Con <a href=\"https:\/\/www.segurosbolivar.com\/\" target=\"_blank\" rel=\"noopener\" class=\"sb-intro-link\">Seguros Bol\u00edvar<\/a> usted tiene un negocio bien seguro.\n <\/p>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"sb-scrolly-section\">\n <div class=\"sb-container\">\n \n <div class=\"sb-scrolly-grid\">\n \n <div class=\"sb-scroll-content\">\n <div class=\"sb-timeline-line\"><\/div>\n\n <div class=\"sb-point-card step-trigger\">\n <div class=\"sb-point-marker\"><\/div>\n <h3>1. Techos y canales<\/h3>\n <p>Revise techos, canales y bajantes al menos <strong>dos veces al a\u00f1o<\/strong>. Un mantenimiento regular previene problemas mayores. Mant\u00e9ngalos libres de hojas y suciedad para asegurar que el agua fluya sin problemas.<\/p>\n <\/div>\n \n <div class=\"sb-point-card step-trigger\">\n <div class=\"sb-point-marker\"><\/div>\n <h3>2. Estado de las tejas<\/h3>\n <p>\u00bfTejas voladoras? Aseg\u00farese de que no est\u00e9n corridas, agrietadas o fisuradas. Verifique que los amarres y platinas est\u00e9n en buenas condiciones para evitar filtraciones inesperadas.<\/p>\n <\/div>\n\n <div class=\"sb-point-card step-trigger\">\n <div class=\"sb-point-marker\"><\/div>\n <h3>3. Elevaci\u00f3n de mercanc\u00eda<\/h3>\n <p>Evite que sus equipos \"naufraguen\". Utilice <strong>estibas<\/strong> para elevar materiales m\u00ednimo <strong>10 cm del piso<\/strong>. Mant\u00e9ngalos separados de las paredes y alejados de tubos de agua.<\/p>\n <\/div>\n\n <div class=\"sb-point-card step-trigger\">\n <div class=\"sb-point-marker\"><\/div>\n <h3>4. Control de suministro<\/h3>\n <p>\u00a1No permita sorpresas! Revise los soportes de las tuber\u00edas. No olvide suspender el suministro de agua cerrando las llaves de paso en <strong>d\u00edas y horas no laborales<\/strong>.<\/p>\n <\/div>\n\n <div class=\"sb-point-card step-trigger\" style=\"border-left-color: var(--sb-yellow);\">\n <div class=\"sb-point-marker\"><\/div>\n <h3>5. Plan de emergencia<\/h3>\n <div class=\"sb-timeline-desc\">\n <p>Defina funciones espec\u00edficas. Identifique eventos cr\u00edticos, defina procesos vitales y asigne cargos prioritarios para reaccionar organizadamente.<\/p>\n <ul style=\"margin-top:10px; padding-left:20px; list-style:disc; color:#555;\">\n <li>Identificaci\u00f3n de riesgos.<\/li>\n <li>Definici\u00f3n de procesos cr\u00edticos.<\/li>\n <li>Asignaci\u00f3n de roles y cargos.<\/li>\n <\/ul>\n <\/div>\n <\/div>\n\n <\/div>\n\n <div class=\"sb-sticky-col\">\n <h2 class=\"sb-sticky-title\">Ruta de prevenci\u00f3n<\/h2>\n \n <div class=\"sb-infographic-card\" onclick=\"openLightbox()\">\n <img decoding=\"async\" src=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/09200129\/Prevencion-Danos-por-Agua-Lluvias.jpg\" class=\"sb-preview-img\" alt=\"Infograf\u00eda prevenci\u00f3n pymes\">\n <div class=\"sb-zoom-icon\">\ud83d\udd0d<\/div>\n <\/div>\n\n <p style=\"text-align:center; font-size:0.9rem; color:#666; margin-top:5px;\">Clic para ampliar la imagen<\/p>\n \n <div style=\"margin-top:10px; text-align:center;\">\n <a href=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/09170710\/Prevencion-Danos-por-Agua-Lluvias.pdf\" target=\"_blank\" class=\"sb-cta-btn\" style=\"background:var(--sb-white); border:1px solid var(--sb-green); color:var(--sb-green); width:100%;\" rel=\"noopener\">\n \u2b07 Descargar PDF\n <\/a>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n <\/section>\n\n <section id=\"form-section\" class=\"sb-form-module\" style=\"background: white; padding: 40px 0;\">\n <div class=\"sb-container\">\n <h2 style=\"font-size:2rem; color:var(--sb-green); margin-bottom:20px; font-weight:900;\">Cotice su Seguro Tranquilidad Pymes<\/h2>\n \n <div class=\"bloque-pymes-intext\">\n <div class=\"cotizador-wrap\">\n \n <div class=\"cta-ahorro-banner\">\n <div class=\"cta-ahorro-icon\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\">\n <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M3.75 21h16.5M4.5 3h15M5.25 3v18m13.5-18v18M9 6.75h1.5m-1.5 3h1.5m-1.5 3h1.5m3-6H15m-1.5 3H15m-1.5 3H15M9 21v-3.375c0-.621.504-1.125 1.125-1.125h3.75c.621 0 1.125.504 1.125 1.125V21\" \/>\n <\/svg>\n <\/div>\n \n <div class=\"cta-ahorro-text\">\n <h3>Impulse y proteja su negocio<\/h3>\n <p class=\"sb-subtitle\">Sabemos que su empresa es su mayor proyecto. Asegure su continuidad, patrimonio y empleados ante cualquier imprevisto.<\/p>\n <div class=\"sb-cta-box\">\n Asesor\u00eda experta a su alcance.<br>\n <strong>D\u00e9jenos sus datos y dise\u00f1aremos el plan perfecto para su sector.<\/strong>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"iframe-container\">\n <iframe\n id=\"cotizador-bolivar\"\n name=\"cotizador-bolivar\"\n src=\"https:\/\/digital.experienciasbolivar.segurosbolivar.com\/pymes-ofertas-por-sector-form?utm_source=Blog&utm_medium=Blog&utm_campaign=Pymes_formulario\"\n scrolling=\"yes\" \n allowtransparency=\"true\"\n loading=\"lazy\">\n <\/iframe>\n <\/div>\n \n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"sb-features\">\n <div class=\"sb-container\">\n <div class=\"sb-features-header\">\n <h2 class=\"sb-features-title\">Con el <em>Seguro Tranquilidad Pymes<\/em> usted podr\u00e1 disfrutar de:<\/h2>\n <\/div>\n\n <div class=\"sb-features-grid\">\n <div class=\"sb-feat-card\">\n <div class=\"sb-feat-icon-circle\">\n <svg width=\"32\" height=\"32\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M2 20h20\"\/><path d=\"M5 20V8a2 2 0 0 1 2-2h10a2 2 0 0 1 2 2v12\"\/><path d=\"M10 20v-6h4v6\"\/><\/svg>\n <\/div>\n <p>Acompa\u00f1amiento en caso de p\u00e9rdida o da\u00f1o de sus muebles, aparatos o equipos.<\/p>\n <\/div>\n <div class=\"sb-feat-card\">\n <div class=\"sb-feat-icon-circle\">\n <svg width=\"32\" height=\"32\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"\/><\/svg>\n <\/div>\n <p>Protecci\u00f3n a su negocio en caso de movilizaci\u00f3n de mercanc\u00eda, robo, p\u00e9rdida de dinero o da\u00f1os a terceros.<\/p>\n <\/div>\n <div class=\"sb-feat-card\">\n <div class=\"sb-feat-icon-circle\">\n <svg width=\"32\" height=\"32\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21 2l-2 2m-7.61 7.61a5.5 5.5 0 1 1-7.778 7.778 5.5 5.5 0 0 1 7.777-7.777zm0 0L15.5 7.5m0 0l3 3L22 7l-3-3m-3.5 3.5L19 4\"\/><\/svg>\n <\/div>\n <p>Ayuda en caso de emergencias con el gas, cerrajer\u00eda, tubos o vidrios rotos, entre otros.<\/p>\n <\/div>\n <div class=\"sb-feat-card\">\n <div class=\"sb-feat-icon-circle\">\n <svg width=\"32\" height=\"32\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"5\" y=\"2\" width=\"14\" height=\"20\" rx=\"2\" ry=\"2\"\/><line x1=\"12\" y1=\"18\" x2=\"12.01\" y2=\"18\"\/><\/svg>\n <\/div>\n <p>Asesor\u00eda jur\u00eddica en caso de necesitar un experto.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <div id=\"lightbox\" class=\"sb-lightbox\" onclick=\"closeLightbox()\">\n <span class=\"sb-close-lightbox\">×<\/span>\n <img decoding=\"async\" class=\"sb-lightbox-img\" src=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/09200129\/Prevencion-Danos-por-Agua-Lluvias.jpg\" alt=\"Infograf\u00eda prevenci\u00f3n pymes completa\">\n \n <a href=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/09170710\/Prevencion-Danos-por-Agua-Lluvias.pdf\" target=\"_blank\" class=\"sb-cta-btn\" style=\"margin-top:20px; background:white; color:var(--sb-green); z-index:10001; position:relative; text-transform:none;\" rel=\"noopener\">\n Descargar PDF original\n <\/a>\n <\/div>\n\n <script>\n \/\/ 1. Lightbox Logic\n function openLightbox() {\n document.getElementById('lightbox').classList.add('active');\n document.body.style.overflow = 'hidden'; \n }\n function closeLightbox() {\n document.getElementById('lightbox').classList.remove('active');\n document.body.style.overflow = 'auto'; \n }\n\n \/\/ 2. Scroll Animation Logic\n document.addEventListener(\"DOMContentLoaded\", function() {\n const cards = document.querySelectorAll('.step-trigger');\n \n const observer = new IntersectionObserver((entries) => {\n entries.forEach(entry => {\n if (entry.isIntersecting) {\n cards.forEach(c => c.classList.remove('active-step'));\n entry.target.classList.add('active-step');\n }\n });\n }, { \n threshold: 0.6, \/\/ Activaci\u00f3n al 60% visible\n rootMargin: \"-10% 0px -10% 0px\"\n });\n\n cards.forEach(card => observer.observe(card));\n });\n <\/script>\n\n<\/body>\n<\/html>\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>Los da\u00f1os por agua son una de las principales causas de p\u00e9rdidas en las Pymes. Identificar los riesgos y actuar a tiempo es clave para proteger su negocio.<\/p>\n","protected":false},"author":14,"featured_media":46280,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[196],"tags":[],"class_list":["post-45652","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guias"],"_links":{"self":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts\/45652","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/comments?post=45652"}],"version-history":[{"count":56,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts\/45652\/revisions"}],"predecessor-version":[{"id":46496,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts\/45652\/revisions\/46496"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/media\/46280"}],"wp:attachment":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/media?parent=45652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/categories?post=45652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/tags?post=45652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}