Expat business insurance in Spain

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.