What if you could not open your business tomorrow?
Shop and business insurance in Spain
You have worked hard to build your business. We help you compare insurance for your premises, belongings and activity, with cover suited to what you do.
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Video guidance
Shop insurance: choose protection for your business
Look beyond price. Review what your policy protects and request a proposal for your shop, with no obligation.
Read the video transcript
Did you know that many people choose the cheapest insurance and only discover their mistake when a claim occurs? We speak with families, business owners and shopkeepers to understand what they really need to protect. Every situation is different: health, a car, a home, life or a business. Paying less is not what matters most. What matters is having suitable protection when you need it. Our job is not to sell you just any insurance. We help you compare options so you do not overpay or miss an important cover. Before renewing your insurance, send us a photo of your policy. We will review it with no obligation and help you find the best option for you. Because the best insurance is not the cheapest. The best insurance is the one that is there when you really need it.
Benefits
Protect what you have built
Cover to protect your business when it matters
Fire, explosion and material damage
Insured belongings against covered risks; for example, furniture damaged by a fire.
Water damage
Damage and possible leak tracing and repair costs according to the policy.
Theft and robbery
Stock, belongings and associated damage. Cash, limits and security requirements are checked separately.
Breakage
Shop windows, glass, signs and other insured items; for example, a broken pane.
Electrical damage
Installations and equipment under the agreed terms; we check covered causes and applicable limits.
Public liability
Damage to customers or third parties arising from the insured activity, such as an injury on the premises. We review the necessary forms of cover.
Loss of profits or business interruption
Financial protection for an interruption caused by an insured event, when purchased. We check periods, waiting periods and how compensation is calculated.
Machinery and equipment breakdown
Depending on the activity and policy, for example an internal failure of an insured machine.
Refrigerated stock
Relevant to food shops and hospitality, among other activities. We review stock losses and covered causes.
Legal expenses and assistance
Available legal and assistance services, their scope and limits in each product.
These are covers we can review and compare, not automatically included guarantees. Their scope depends on the covers purchased, sums insured, limits, excesses and exclusions. We review each proposal and its terms before you buy.
Comparison
What we review before making a recommendation
Cover is subject to the insurer’s terms, underwriting and acceptance.
Insurers
Leading insurance companies, all in one place
We look for options according to your profile, needs and each product’s underwriting conditions.
Common questions
Frequently asked questions
Can I insure rented premises?
Yes, we can review a tenant’s needs. We check the lease, your belongings and responsibilities, and the landlord’s cover before duplicating protection.
What is the difference between buildings and contents?
Buildings cover relates to insured structural and fixed elements. Contents include furniture, equipment and stock. Sums insured must match the belongings and policy terms.
Is a temporary closure after a claim covered?
It depends on having loss of profits or business interruption cover and a covered cause. We check the indemnity period, limits, excesses and exclusions.
How much does shop insurance cost?
The price depends on the activity, premises, location, sums insured and covers. We collect this information to compare proposals; there is no universal price.
Can you review my policy before renewal?
Yes. We can review covers, sums insured, limits and excesses and compare options before renewal, with no obligation. Do not upload documents or sensitive data through this form.
Receive personal guidance
We assist you in Spanish, French, Arabic and English, remotely throughout Spain and at our office in Torrelavega.