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Running a business in Spain comes with responsibilities, and the right insurance can help protect you against some of the risks that come with day-to-day trading.
Commercial and business insurance can be arranged for many different types of activity, from shops, offices and restaurants to trades, rental businesses and self-employed professionals.
The level of protection you need will depend on the type of work you do, the premises you use, the equipment you rely on, and whether members of the public, staff or third parties could be affected by your business activity.
We help business owners compare options, understand what is included, and arrange cover that suits how the business actually operates.
We also arrange car insurance in Spain and home insurance in Spain, making it easier to manage your business and personal cover in one place. Explore all our insurance services in Spain.
Business insurance in Spain can be arranged for many different sectors and working styles, depending on the risks involved.
Commercial insurance is usually built around the risks connected to your business. Some companies need public liability as the starting point, while others also need cover for premises, contents, stock, equipment, employers’ liability or legal protection.
The way the policy is arranged will depend on the nature of the business, but the process is generally straightforward:
The type of work you do is one of the biggest factors. A quiet office carries different risks to a busy restaurant, workshop or rental business.
Insurers will usually want to know where the business operates, if customers visit the premises, and what security is in place.
Cover can be arranged for office contents, tools, machinery, stock, furniture, computers and other equipment important to the business.
Many businesses need protection if a third party is injured or property is damaged in connection with the business activity.
Policies can be tailored depending on the size of the business, the value of equipment, and the level of protection you want in place.
When a problem arises, it helps to have a broker who can explain the policy and deal directly with the insurer to help move things forward.
We explain the options clearly, so you can arrange business insurance that fits the way your company works, rather than paying for cover that does not make sense for you.
The cover needed will vary from one business to another, but commercial policies are often designed to protect the main risks linked to your work, premises and responsibility to others.
Depending on the business and the insurer, cover may include the following:
Protection if a customer, visitor or third party suffers injury or property damage connected to your business activity.
Cover for furniture, computers, machinery, tools and other items used to run the business.
Protection for goods held on the premises, subject to policy terms and declared values.
Where relevant, some policies can include protection linked to the business premises themselves.
Important for businesses with staff, depending on legal requirements and the nature of the work.
Some policies include legal assistance for disputes or claims arising from business activity.
Selected policies may help protect income if a covered event disrupts trading for a period of time.
What is included will depend on the insurer, the business sector and the cover selected. We help you compare the details properly so you can see what protection is actually in place.
To provide a business insurance quote, insurers will usually need a clear picture of the business and the risks involved.
The more accurate the information, the easier it is to compare the right options and avoid gaps in cover later on.
Business insurance can raise a lot of practical questions, especially when you are setting up, renewing, or reviewing what protection your company really needs.
Here are some of the questions people ask most often.
Fill in the form and we’ll get back to you to discuss the details needed for your insurance enquiry.
Or, if you prefer, send us a message on WhatsApp and we’ll guide you through what information we need.
Independent insurance specialists supporting expats and residents across Spain since 1998.
Dragon Insure . All rights reserved.
Independent insurance specialists supporting expats and residents across Spain since 1998.