Find the Right Business Insurance Broker in Spain
Why Use a Business Insurance Broker in Spain?
An English-speaking business insurance broker helps SMEs and autónomos in Spain navigate mandatory and contractual insurance requirements, compare quotes from multiple insurers, and arrange covers like public liability, professional indemnity, and business contents insurance – all with support in your language and at no extra cost to you.
- Understand which covers are mandatory or contractually required for your activity
- Compare business insurance in Spain across several insurers, not just one offer
- Arrange public liability insurance in Spain for trades, shops, hospitality and services
- Get professional indemnity insurance in Spain for consultants, advisors and regulated professions
- Protect your stock, equipment and premises with business contents insurance
- Receive documents and support in English, Spanish, German and Finnish
Why Business Insurance Matters for Expats, SMEs & Autónomos in Spain
Spain has a large small-business and self-employed sector. Many expats work as autónomos (self-employed professionals and tradespeople), owners of shops, cafés, restaurants or rentals, consultants, coaches, designers, IT specialists and agency owners, or directors of Spanish SL companies.
For these activities, business insurance is often required by landlords, clients or professional bodies, a condition in contracts, tenders, franchise agreements, or essential protection against claims, accidents, property damage and legal costs.
The problem: most business insurance information is in Spanish, full of legal terms, and quotes may not clearly show what is and isn't covered.
An English-speaking business insurance broker in Spain solves that by:
- Explaining requirements and cover in your language
- Comparing several insurers for business insurance Spain
- Helping you choose the right combination of policies at a fair price
Main Types of Business Insurance in Spain
Below are the core covers most expats, SMEs and autónomos consider.
Public Liability Insurance (Responsabilidad Civil)
Protects you if a client or third party is injured, third-party property is damaged, or you are held liable for accidents related to your business activity.
Typical examples:
- • A customer slips in your shop or café
- • You damage a client's property during work
- • A product you sell causes damage or injury
Trades, construction, shops, salons, cafés, restaurants, event organisers
Professional Indemnity Insurance (RC Profesional)
For those who provide professional advice or services – protects against claims for errors, omissions or negligence in your professional work.
Typical professionals:
- • Consultants, coaches, trainers
- • IT and marketing professionals
- • Accountants, architects, engineers
Contracts, tenders, regulated professions
Business Contents & Property Insurance
Covers office equipment, computers, tools, machinery, furniture, fittings, fixtures, stock and merchandise.
Can combine:
- • Buildings insurance (if you own)
- • Contents and stock
- • Glass, signage and refrigeration
Business Interruption & Loss of Income
Helps protect your income if you cannot trade because of an insured event like fire, water damage, or storm damage.
Can help cover:
- • Lost profits
- • Ongoing fixed costs (rent, salaries, utilities)
- • Temporary relocation costs
Other Common Covers
Depending on your situation, you may also need:
- Fleet or commercial vehicle insurance
- Cyber and data insurance
- Directors & Officers (D&O) insurance
- Tenant liability insurance (required by landlords)
Typical Price Ranges for Business Insurance in Spain (2026)
The exact price depends on your activity, turnover, location and claims history. Below are indicative ranges to help you understand the market:
*These are typical example ranges seen in the market; actual quotes may be lower or higher depending on risk profile and insurer.
As a business insurance broker in Spain, we compare options from multiple insurers to find the most suitable solution for your activity and budget.
When Is Business Insurance Mandatory in Spain?
In Spain, some covers are legally required for certain sectors, while others are contractually required.
Common situations where public liability or professional indemnity is required:
- Trades & construction – often required by law, clients or building managers
- Professional services (architects, engineers, some regulated professions)
- Contracts with public authorities or large companies
- Landlords requiring tenant liability for commercial rentals
- Shopping centres and coworking spaces requiring proof of cover
Even when not strictly mandatory, many clients expect to see certificate of public liability insurance and details of professional indemnity insurance and limits.
A broker can review your business activity, contracts and landlord requirements and advise which covers are necessary or strongly recommended.
How a Business Insurance Broker Helps SMEs & Autónomos
Working with an English-speaking business insurance broker in Spain gives you several advantages.
Clear Advice in Your Language
We explain which covers are relevant for your business, what the policy actually covers and excludes, and what limits and deductibles make sense for your risk level.
Available in English, Spanish, German and Finnish
Comparing Business Insurance Quotes
Instead of going to just one company, we request quotes from several Spanish insurers, compare price, cover, limits and special conditions, and highlight differences.
You receive a simple overview that makes it easy to decide
Spanish Documentation & Certificates
We help with policy documents and conditions in Spanish, certificates of insurance for landlords and clients, and proof of public liability or professional indemnity for tenders and contracts.
All paperwork provided in the correct format
Support for Claims & Changes
If something goes wrong, we support you with reporting the claim to the insurer, providing documents and photos, following up with claims departments, and adjusting limits as your business grows.
Ongoing support throughout your policy
Choosing the Right Business Insurance as an Expat in Spain
For Autónomos (Self-Employed)
- Public liability insurance (responsabilidad civil)
- Professional indemnity if you give advice or consultancy
- Contents cover if you have a small office or studio
Key questions:
- • Do clients visit your premises?
- • Do you visit clients' premises?
- • Could your advice cause financial loss to a client?
For Shops, Salons & Retail Businesses
- Public liability
- Contents and stock
- Glass and signage
- Business interruption (optional but recommended)
Key questions:
- • What is the value of your stock and fittings?
- • What are landlord or shopping centre requirements?
- • How long could you survive if a fire or flood closed your business for a month?
For Cafés, Bars & Restaurants
- Higher-limit public liability
- Contents and kitchen equipment
- Business interruption
- Optional cover for terrace, refrigeration and theft
Key questions:
- • Capacity and foot traffic
- • Cooking equipment and fire risk
- • Contractual requirements from landlords or franchise agreements
For Consultants, Agencies & Online Businesses
- Professional indemnity
- Public liability (if clients visit you or you visit them)
- Office contents and IT equipment
Key questions:
- • Size and type of clients (individuals vs corporates)
- • Contractual requirements for professional indemnity insurance
- • Potential level of claims in case of an error or delay
Common Mistakes to Avoid
Watch out for these common pitfalls:
- ×Relying only on a basic public liability policy when you actually need professional indemnity
- ×Underestimating the value of stock and equipment – leading to underinsurance
- ×Accepting very low limits that are not enough for large contracts
- ×Not checking whether the policy covers all your activities (e.g., international work, online services)
- ×Not updating the insurer when your turnover, staff or services change
A broker reviews these points with you before you commit to a policy.
How to Get Business Insurance in Spain – Step by Step
Contact Our Business Insurance Team
Send us a message with your business type and activity, whether you are autónomo or have an SL company, your approximate turnover and location, and any contract or landlord requirements you already know about.
We Analyse Your Risk and Requirements
We identify which covers are mandatory or contractually required, what level of public liability or professional indemnity makes sense, and whether you need contents, business interruption, or other covers.
We Compare Business Insurance Quotes in Spain
We request quotes from several insurers and provide you with:
- Clear comparison of prices and limits
- Summary of what is covered and excluded
- Explanation of optional extras and extensions
You Choose – We Arrange the Policy
Once you select an option:
- We complete the application and paperwork
- You receive policy documents and certificates in the correct format
- We provide certificate of public liability insurance and any other proof needed
Ongoing Support & Claims Assistance
Throughout the life of your policy, we help with:
- Changes in limits, address or activity
- Adding new premises or vehicles
- Supporting you during claims and renewals
Need a Business Insurance Broker in Spain?
If you are an autónomo, SME or international company operating in Spain, our licensed team can analyse your business risks and requirements, compare business insurance Spain options across several insurers, and provide all support in English, Spanish, German and Finnish.
Talk to a Business Insurance Expert
ExpatInsurances.es – DGSFP-licensed insurance broker helping expats, autónomos and SMEs in Spain since 2012.
Expert reviewed
Written and reviewed by licensed insurance agents Maya Kallio and Marco Elsinger, who have helped over 15,000 expats in Spain since 2012.
Maya Kallio
Licensed Insurance Agent
Since 2012
Marco Elsinger
Licensed Insurance Agent
10+ years
Languages: English, Finnish, Spanish, German, Swedish
Frequently asked questions
Still have questions? Check these answers or get in touch.
What types of insurance do SMEs need in Spain?
Most SMEs and autónomos in Spain need public liability insurance (responsabilidad civil), which protects against third-party claims. Many also need professional indemnity insurance if they provide advice or services, contents insurance for equipment and stock, and business interruption cover to protect income if premises are damaged. The exact combination depends on your business activity, contracts, and landlord requirements.
Is business insurance mandatory in Spain?
Business insurance requirements vary by sector. Public liability insurance is legally required for certain trades, construction activities, and regulated professions. Even when not legally mandatory, it's often required by landlords, clients, shopping centres, or in contracts with public authorities. Professional indemnity insurance is mandatory for architects, engineers, and some regulated professions, and frequently required in commercial contracts.
What's the difference between public liability and professional indemnity insurance?
Public liability insurance covers physical damage or injury to third parties and their property (e.g., a customer slips in your shop, or you damage a client's property). Professional indemnity insurance covers financial loss caused by errors, omissions or negligence in your professional advice or services (e.g., a consultant's advice causes financial loss to a client). Many businesses need both types of cover.
How much does business insurance cost for an autónomo in Spain?
In 2026, basic public liability insurance for low-risk autónomos (consultants, tutors) typically costs €140-€420 per year. Tradespeople pay €250-€750 per year depending on risk level. Professional indemnity for small consultancies ranges from €220-€900 per year. Shops, salons, cafés and restaurants pay €280-€1,500+ annually depending on size, stock value, and risk profile. Actual costs vary based on your specific activity, turnover, location, and required coverage limits.
Can I get one policy for all my business covers?
Many insurers offer combined business insurance packages that include public liability, contents, glass, and business interruption in one policy. However, professional indemnity insurance is often a separate policy. As a broker, we can help structure your covers efficiently – either as a combined package or separate policies depending on which gives you better coverage and value for your specific situation.
Do I pay extra to use a broker?
No, you don't pay extra to use an insurance broker in Spain. Our commission is paid by the insurance company, not by you. The policy price is the same whether you buy directly or through a broker – but using a broker gives you access to multiple insurers, expert advice in your language, and ongoing support with claims and policy changes at no additional cost.
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