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Why take out this insurance?
Benefits of this insurance for your business in Spain

What if, in addition to everything you expect from your insurance, it offered you much more at no extra cost? We want to make you feel special, so as well as speaking your language, we offer all these benefits without you having to pay more for them.

The advantages of Reale’s expat business insurance for commercialpremises  ​​
Expat business insurance coverage provided by Reale​​

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  • Maximum flexibility: Insurance with multiple configuration options, allowing us to offer you a specific solution tailored to your business activity
  • Emergency locksmith: What would happen if your keys got lost or stolen or the lock to your business were damaged during a break-in? At Reale we are there when you need us, ready to send an emergency locksmith who will solve your problems.
  • Emergency electrician: What would happen if you came to work and you had no electricity? We will send you an electrician to restore the power supply.
  • Security guard service: What would happen if your business suddenly became easily accessible from the outside? Call us and we will send a security guard to protect your business.
Reale’s quality comm

Quality commitment*

  • We are so sure of the quality of our service, that if we fail to comply with our commitments within the repair period, we will refund the annuity of your insurance policy:
    − Within 24 hours, a professional will contact you and visit your business.
    − Within 48 hours, we will inform you of the repair plan.
    − Within 72 hours, the designated professional will begin the repair work.

    * Request telephone advice or consult one of our brokers to find out more about the details of our commitment.


Cover and services

Insurance for every type of business.

  • Different types of cover

    We offer you specific insurance for 14 different types of business. This allows us to respond to your real needs. And if you need extra protection, you can customise your policy by selecting specific cover. Find out more about our insurance for:

    • Offices.
    • Textiles and accessories.
    • Catering sector.
    • Furniture and decoration.
    • Inactive commercial premises.
    • Sport and leisure.
    • Any many more.
    Civil Liability

    We cover general civil liability, operational civil liability and employer's civil liability, as the owner or tenant of the property.

    Legal protection

    We offer the legal assistance you may need in case of:

    • Friendly or judicial claim for personal injury, damage to the premises or the property in said premises, theft of property or money by employees or third parties unrelated to the business.
    • Criminal defence for incidents resulting from the performance of your business activity.
    • Defence of rights relating to the premises.
    • Legal assistance by telephone.
    Fire, explosion, lightning and extended guarantees in case of rain, wind, hail, any many more.

    We cover any damage to both furniture and the establishment as a result of:

    • Fire, explosion or lightning.
    • Smoke.
    • Rain, wind, hail or snow.
    • Flood, including the cost of clearing and removing mud and sludge.
    • Vandalism, riots and strikes.
    • Vehicles, animals or sonic waves.
    • Spillage or leakage from automatic fire extinguishing equipment.
    Water damage

    Our cover for damage caused by water leaks includes:

    • Escape, blowout, breakage and/or overflow.
    • Leaks from household appliances.
    • Frost damage.
    • Failure and forgetfulness when closing taps and stopcocks.
    • Expenses of locating the fault.
  • Electrical damage

    We cover the damage caused to installations and electrical appliances due to a short circuit, combustion, alteration in the electric grid or lightning.

    Loss of use of the premises

    Should the premises become uninhabitable as a result of an accident, we will take care of:

    • Loss of income due to rental fees not received, when the insured party is the lessor of the business.
    • If the insured party is the tenant, we will cover the difference in cost between renting new premises and renting the affected premises.
    • Transfer of contents.
    Optional cover

    If you need extra protection, you can also tailor the protection of your business or premises through different cover options:

    • Theft. With this cover, you and your business will be covered against the theft of contents, spoliation and robbery to customers and employees, replacing locks and keys, damage to cash registers, any many more.
    • Civil Liability (CL): This cover can be completed with: CL for operations in the main activity. Employer's CL, post-works products CL. CL for work outside the place where the activity is performed. CL for complementary activities. CL for food poisoning, any many more.
    • Breakdown of machinery and electronic equipment.
    • Accidents involving employees.
    • Transport of goods.
    • Loss of profit.
    Aesthetic damage and broken glass, signs and other elements.

    We cover the expenses needed to restore the aesthetic harmony of the affected area, as well as for replacement, transfer and placement following accidental breakage of:

    • Glass and signs.
    • Mirrors, windows and perspex furniture.
    • Countertops, counters and fixed shelves made of marble, granite or other natural and artificial stones.​
    • Sanitary equipment.


Download the documentation
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We speak your language

What do our customers think?

An expatriate client’s verified thoughts on Reale’s insurance services ​

I couldn't recommend this company enough! I have been a client with Reale for 9+ years and throughout this whole time they have been nothing but helpful. I recently had an accident and this company was very efficient in their work and helped me with all my needs. The employees are very helpful and easy to talk with. I will continue to use this company for many years to come.

April Cox - ENGLAND

An expatriate client’s verified thoughts on Reale’s insurance services 

Dear Jonathan,
Thank you for your prompt reply and excelllent service.
I'll not hesitate to contract again an insurance with Reale in the future.
Very best regards.

Marieke Dijkhuis - NETHERLANDS

An expatriate client’s verified thoughts on Reale’s insurance services 

When I move house again I will definitely use Reale.
Things like these make a company great and committed to its customers.
Thank you.

Maximiliano Pérez - ITALY
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About us

Specialists in caring for people like you.

What if your insurers could really relate to your problems? Our advisers and agents are people who, like you, one day decided to come and live in Spain. That is why we can anticipate your problems and offer you the best solution.Our job is to be on hand, to advise you and make your life easier.

All the advantages of taking out your insurance with Reale Seguros.

We are an insurance group with 190 years' experience behind us and over 4 million policy holders in Spain.

  • Specialist advice​​​
    Specialist advice

    Our professionals understand your problems because, like you, one day they decided to come and live in Spain.

  • Fast service​​​​​
    Fast service

    If we fail to meet our commitments, we will refund your money.

  • We speak your language
    We speak your language

    We want you to feel at home knowing that language is not a barrier when you communicate with us.

  • Special Conditions
    Special Conditions

    We want you to feel at home, so we offer you special conditions when you take out your insurance with us.​

  • Easy to contract
    Easy to contract

    Leave us your details and we will get back to you by phone, online or at your nearest insurance branch.

  • Payment plan​​​​​
    Payment plan

    Choose how to pay for your insurance: quarterly, six-monthly or annually.

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