Business

We can help you protect your business

Business Insurances

Advantages on our Business Insurance

This insurance policy offers third party damages and public liability cover.

Plus all these benefits

We consider your insured goods at their value as new. In accordance with the terms of the policy, we provide compensation based on the cost of rebuilding as new. The contents are insured with “as new” value for their replacement.
The sum insured is updated annually, assuring that your insured sums are not out of date and that the adequate amount is compensated in the event of a claim. Damage due to pollution risks.
Compensation of Sums Insured: If the insured value of buiding or content is too high, the excess can be distributed to the other cover, to avoid a shortfall.
Claims for damages on your behalf against the party causing the damage to the insured goods, in the event of risks or amounts not covered by the policy.
We offer the possibility of premium payment in installments.

Our Covers

We offer you the most comprehensive insurance.

Basic Cover

The product offers competitive benefits in all aspects, in terms of the scope of cover, application and competitive rates.

Loss or material damage to the building and/or contents.
Pursuant to the limits and conditions agreed upon in the policy, direct material damage and/or losses sustained by buildings or contents are covered, including items considered as valuable objects, providing that the value does not exceed €1,800, and items of a higher value that are expressly listed in the schedule. Damage as a result of the following causes is covered:
Fire and its effects on insured goods, in addition to expenditure incurred through the transportation of goods in order to safeguard them against fire.
Explosion or implosion even if not followed by a fire, and in addition to the inevitable consequences of the event.
Lightning even if not followed by a fire.
Water damage and material losses due to water leaks and overflows.
Location and repair of damage. Failure to turn off taps.
Vandalism or acts of disorder, including those caused by legal strikes, meetings and demonstrations in accordance with the legislation in force.
Natural phenomena, such as rain, storms, hail, snow, wind and gales in excess of specified intensities and not covered by the Insurance Compensation Consortium. Flooding, as a result of the overflowing or accidental diversion of the normal route of water courses, such as canals, irrigation channels, gullies, river beds, sewers or other similar flows.
Smoke damage regardless of cause, apart from damage from continuous exposure of the insured goods to smoke or damage from smoke that originates in premises other than those insured, unless it is from a fire.
Impact from terrestrial, maritime or animal vehicles, in addition to impact from falling airborne objects such as satellites.

Opcional Cover

The product offers competitive benefits in all aspects, in terms of the scope of cover and of application and competitive rates.

Automatic cover for goods: covers, without prior notice to the insurer, a margin of 30 the sum insured for stock.
Deterioration of refrigerated stock: this covers loss or damage as a result of spoiled or rotten stock kept in cold storage, refrigeration and freezing devices installed at the insured business as a result of a breakdown of such devices or storage, an interruption of electrical energy supply or malfunction of the cold storage as a result of any risk covered by the policy.
Theft with violence and theft with intimidation: includes destruction, disappearance, deterioration and damage to the building and/or contents as a result of such theft or attempted theft, in addition to cash held within the insured permises.
Employee dishonesty: covers theft, fraud, diversion, embezzlement, counterfeit or misappropriation appropriation of cash, checks, securities or goods, commited by the insured´s employees while performing their duties in your own language, and are registered for Social Security benefits in Spain for the insured place of work.
Consequential losses: Daily compensation; Loss of Profit: if arranged; Permanent General Cost…