Office Insurance in Spain (2026) for Expat-Owned Businesses: What to cover and what landlords ask for
If you run an office in Spain as an expat business owner, you usually do not need an 'office-only' policy. What you need is a business insurance setup that matches how your office actually works: who visits, what you store, how you use laptops and devices, and what your lease says you are responsible for.
Key Takeaways
'Office insurance' in Spain is usually a business package: premises-related cover, contents and equipment, and liability for visitors and third parties.
- If you rent, the biggest gaps are often tenant improvements, landlord-required liability limits, and portable tech (laptops used off-site)
- If you hire staff, review work-accident/occupational coverage arrangements and whether you need an employers' liability clause
- A lot of 'mandatory insurance' depends on the activity – Spain has a public Register of Compulsory Insurance you can check by sector
- Cyber insurance is relevant if you handle client data, take payments, or depend on systems to deliver services
What "Office Insurance" Usually Means in Spain
For an office, the core risks are simple: a fire, theft, escape of water, a visitor injury, or a laptop loss that stops work. That's why office setups usually combine:
Premises-Related Cover
If you own the office, you may insure the structure. If you rent, many policies insure tenant improvements (fixtures you paid for, fit-out, partitions, flooring, signage) where you are responsible under the lease.
Contents and Equipment
The office version of "property cover": furniture, computers, screens, printers, server/network gear, and sometimes stock if you store items on-site.
Liability (What Landlords Care About)
Public liability covers injury or property damage to third parties (clients, couriers, visitors). Some leases ask for a minimum limit and for the landlord to be named or referenced.
Business Interruption
If your office is unusable after an insured event (fire, major water damage, serious theft), business interruption can cover lost income or extra costs.
The Office-Specific Add-Ons That Matter in 2026
Office risks have shifted. The space is quieter than retail, but it is more dependent on devices, data, and contracts.
Portable Equipment: Laptops and Devices Away from the Office
A common gap is that basic property cover only applies "on the premises." If your team works from home, travels, or uses coworking spaces, you usually need all-risks / portable equipment cover.
Cyber and Data Incidents
Cyber insurance is widely sold to SMEs and autónomos in Spain, typically blending own losses and third-party liability elements depending on the product. For an office, cyber is most relevant if you handle client data, take payments, store personal data, or depend on systems to deliver services.
Employers and Work-Accident Arrangements
If you hire staff, Spain's occupational accident and illness system is handled through Social Security contributions, often managed via a Mutua (mutual association) depending on the setup. Companies pay contributions for occupational accidents and diseases either to their Mutua or to the Social Security system along with other contributions.
Separately, many businesses also add an employers' liability clause to their liability policy to cover claims linked to negligence in workplace accidents (this is insurance-market language, not a replacement for Social Security).
Is Any Office Insurance "Mandatory" in Spain?
It depends on your activity, your professional body, your contracts, and sometimes your region. Spain has a Register of Compulsory Insurance (Registro de Seguros Obligatorios) that lists compulsory policies and the legal rules behind them.
Practical Takeaway
Do not assume "offices don't need anything mandatory." Some activities have compulsory liability requirements, and many landlords or clients make specific insurance a contract condition.
What Insurers Will Ask You For (And How to Get a Quote Faster)
Common documents and details needed: ID, NIE/tax number, business registration details, business activity, premises address, estimated annual turnover, and details of contents/stock.
You will also often need to answer office-specific questions:
- How many people work there and how many visitors come in a normal week?
- Do you store high-value equipment or client-owned items?
- Is there an alarm, shutters, security door, or building security?
- Do you have a kitchen area or water points inside the unit?
- Do staff take laptops off-site?
Business insurance can often start within 24–72 hours once details are provided and the insurer accepts the risk (complex risks can take longer).
Related Guide
If you want the full overview beyond offices, read: Business Insurance Spain 2026
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
Frequently asked questions
Still have questions? Check these answers or get in touch.
What does office insurance in Spain usually include?
Office insurance is usually a business package that combines premises-related cover, contents and equipment, and liability for third-party claims. For many offices, the core is contents (computers, furniture, network gear) plus public liability for visitors and accidents. Depending on your setup, you may also add business interruption after an insured event, cover for tenant improvements if you rent, and portable equipment cover for laptops used off-site. If your lease or client contracts require certain liability limits, the policy needs to match those requirements, not just "look insured."
I rent an office. Do I need buildings insurance?
Usually you do not insure the full building if you rent, but you may be responsible for tenant improvements and for damage you cause. Many office leases also require liability insurance and sometimes specify minimum limits. A good office package normally focuses on what you actually own and what you are contractually responsible for: fit-out, furniture, equipment, and your liability exposure. If you are unsure, start with your lease clauses about insurance, repairs, and responsibility for installations, then match the policy to those clauses.
Do I need cyber insurance for an office business?
Not every office needs cyber insurance, but many modern office businesses are dependent on systems and data. Cyber policies for SMEs in Spain generally aim to support recovery from cyber incidents and can include elements of liability linked to data or privacy issues, depending on the product. If you store client personal data, process payments, rely on booking systems, or your work stops without laptops and cloud tools, cyber becomes a practical risk, not a theoretical one.
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