They helped us set up business insurance for our salon, including premises, stock and liability. Everything was explained in English and adapted to our lease requirements.
Tailored cover for expat-run businesses in SpainPackages for shops, cafés, studios, offices & more
Protect your business in Spain
Running a business in Spain means dealing with premises, equipment, stock, contracts and staff – and all the risks that come with them. We help expats, autónomos and small companies build business insurance packages that match their real-world risks, explained clearly in English. From small offices and studios to shops, cafés and local service businesses, we recommend the right Caser cover and guide you through every step.
From €30 /monthTypical starting price for basic cover for a small, low-risk business. Final premium depends on your sector, turnover, size and cover selection.
4.8/5 rated by our business clients
15,000+ expats and small businesses insured in SpainEN • ES • DE • FIFrom
€30/month
Typical starting price for basic cover for a small, low-risk business. Final premium depends on your sector, turnover, size and cover selection.
Licensed Agent
DGSFP #C0031B93323293
Who is it for?
Autónomos, freelancers and small businesses in Spain – including shops, cafés, salons, offices, studios, wellness spaces and service providers run by expats.
Activation time
Once we have your details and the insurer accepts the risk, business insurance can often start within 24–72 hours. More complex risks may require extra underwriting.
Documents needed
ID or passport, NIE or tax number, business registration details, business activity, address of premises, estimated annual turnover, and details of your contents and stock.
Languages available
We explain everything in English and Spanish. Some insurers also provide policy schedules and key documents in multiple languages.
Compare insurance tiers
Choose the right level of protection for your needs
Tier 01
Business Starter – Premises & Contents
€30–€60/month
- Buildings or tenants' improvements cover (where applicable)
- Contents and basic equipment cover
- Protection against fire, escape of water, theft and certain weather damage
- Optional basic public liability add-on
- Option to insure laptops and key equipment on-site
- Lower limits for stock and business interruption
- Not designed for heavy trades or high-risk sectors
Best for
Small offices, studios, therapy rooms, co-working spaces · Low-footfall premises with limited stock
Not recommended for
Retail shops or cafés with significant customer traffic · Businesses with high-value stock or complex machinery
Most Popular
Tier 02
Business Plus – Retail & Hospitality
€50–€120/month
- All Business Starter cover
- Higher limits for stock and contents
- Cover for glass, signage and shopfront damage
- Business interruption cover following an insured event
- Public liability and product liability options
- Cover for money on premises (within specified limits)
- Optional cover for refrigerated stock
- Some exclusions for high-value or unusual stock unless declared
Best for
Shops, boutiques, salons, barbers, wellness studios · Cafés, small restaurants and food businesses
Not recommended for
Construction, industrial or high-hazard activities
Tier 03
Business Advanced – Trades & Growing Businesses
€80–€200+/month
- Buildings, contents and stock cover with higher limits
- Business interruption cover tailored to your turnover
- Public liability and product liability with higher indemnity limits
- Options for tools, equipment and some machinery
- Optional cover for goods in transit
- Extensions for multiple locations (subject to insurer acceptance)
- More detailed underwriting questions and documentation needed
Best for
Tradespeople with premises and stock · Growing SMEs with staff, premises and more complex risks
Not recommended for
Very small, low-risk, home-based businesses
What drives business insurance cost in Spain
Caser BAS PAQ is priced on a quote-by-quote basis. Premium depends on your sector, premises size, turnover, location and security features. Tell us about your business and we'll come back with a tailored quote.
Price drivers
- Business type: retail, hospitality, professional services, pharmacy, hairdressing — each has its own risk profile
- Premises size: square metres of trading area and any additional storage or back-office space
- Annual turnover: directly affects business interruption limits and civil liability exposure
- Location: urban vs rural, ground floor vs upper floor, neighbourhood crime statistics
- Security features: alarms, CCTV, reinforced doors, safe deposits — better security typically lowers premiums
- Sector add-ons: hospitality, pharmacy, real estate and hairdressing packages add tailored cover at fixed sector pricing
Example profiles
Small clothing shop or professional office, low footfall: usually BAS PAQ Basic — property, contents, basic civil liability, assistance
Restaurant, bar or pharmacy with regular customers: usually BAS PAQ Comfort with refrigerated goods and sector package
Established SME wanting maximum civil liability and personal accident: usually BAS PAQ Premium with full sector package
Hairdressing salon with rented premises: Comfort or Premium with First-Risk Building cover for tenant improvements
Request a quote and we will come back with the best option for your case.
Many expat business owners underinsure their contents and stock. Take time to calculate replacement values properly – it's the difference between a smooth claim and a painful shortfall.
Maya Kallio
Licensed Insurance Agent, DGSFP
How it works
Getting business insurance in Spain is straightforward with our expert guidance
01
Tell us how your business works
We start with a simple conversation about what you do, where you operate, your turnover and your key assets. No jargon – just real questions about your day-to-day business.
02
We map your risks and cover gaps
We identify what you need to protect: premises, equipment, stock, income, liability – and where your current setup might leave you exposed.
03
We recommend the right business cover
We build a tailored Caser package for your business. You'll see clear breakdowns of cover limits, key benefits, exclusions and price.
04
Finalise your policy and stay supported
Once you choose your cover, we arrange the policy, send your documents and make sure you understand how to use your insurance. If something happens, we'll help you with the claims process.
Running a business in Spain doesn't have to be complicated
Let us handle the insurance paperwork while you focus on your customers
Requirements and documents
Caser BAS PAQ is straightforward to set up. We need basic premises and business details — most quotes go out the same day.
Checklist
- Premises address and details (size in m², construction, ground floor or upper floor)
- Business type and activity description (retail, hospitality, pharmacy, professional, etc.)
- Estimated annual turnover
- Ownership status of premises — owner-occupied or rented (relevant for First-Risk Building cover)
- Inventory value — stock, equipment, fixtures, fittings
- Security features — alarm, CCTV, reinforced doors, safe
- ID or passport, NIE or Spanish tax number (CIF for companies)
- Business registration (alta de autónomo or Registro Mercantil extract)
Renting your premises?
We add First-Risk Building cover to insure modifications and improvements you've made. Contents and operations cover applies regardless of who owns the building.
Coverage overview
What does business insurance cover in Spain?
Business insurance is built from three core parts – premises and contents, public liability, and loss of income cover. You can choose a comprehensive package or build your own.
Standard cover
Included
- Buildings or tenants' improvements (if you own or have responsibilities under your lease)
- Contents, furniture and fixtures
- Stock held on the premises (up to specified limits)
- Fire, storm and certain water damage
- Theft following forcible and violent entry (subject to conditions)
- Business interruption following an insured event
- Basic public liability and product liability cover (depending on package)
- Some cover for money on premises and in safe (limits apply)
Add to your policy
Optional
- Higher limits for contents, stock and business interruption
- Specific cover for refrigerated or perishable stock
- Cover for outdoor seating, terraces and signage (for cafés, restaurants)
- All-risks cover for laptops, mobile devices and equipment used away from the premises
- Extended public liability limits to meet landlord or contract requirements
- Separate professional indemnity cover for advice-based businesses
- Cyber or data breach insurance (where available)
- Cover for multiple premises or locations
Read carefully
Not covered
- Wear and tear, gradual deterioration or poor maintenance
- Intentional or fraudulent damage
- Activities or properties not declared to the insurer
- Losses beyond the chosen sums insured or limits
- Certain high-risk activities or locations unless specifically agreed
- Losses from war, nuclear risks or large-scale cyber events (depending on policy)
- Losses not caused by an insured event (e.g. purely economic downturn without physical damage)
Eligible business types
Caser BAS PAQ covers most retail, hospitality, professional and specialty SMEs in Spain. Storage, industrial manufacturing, large garages, hotels and shopping centres are excluded — see below for excluded activities.
Retail
Footwear, leather goods, jewellery, fashion, electronics, computers, books, toys and similar shops. Cover for premises, stock, theft, breakage of displays and customer claims.
Learn moreHospitality
Restaurants, bars, cafés, ice cream shops, bakeries, butchers and delicatessens. Includes refrigerated goods cover and a dedicated hospitality sector package.
Learn moreProfessional Services
Teaching centres, photography studios, antique dealers, real estate agencies and similar premises-based professionals. Cover for equipment, civil liability and business interruption.
Learn moreSpecialty (Pharmacies, Florists, Tobacconists)
Pharmacies (with electronic-sales-loss compensation), florists, tobacconists. Sector-specific pharmacy package available with tailored limits and assistance.
Learn moreAutomotive Workshops & Hairdressing
Mechanical workshops, accessory shops, dealerships and hairdressing salons. Hairdressing has its own sector package; large-scale garages are excluded.
Learn moreNot eligible
Storage facilities, industrial manufacturing, large-scale garages, hotels and accommodation businesses (separate product available), and shopping centres are excluded from BAS PAQ.
Ask us insteadProtection for your business, wherever you operate
From shops and cafés to offices and studios
Why choose us
Why choose us?
Here's why thousands trust us with their insurance
i.
We specialise in expat-run businesses
We understand the mix of local rules, landlords, banks and suppliers you deal with as an expat in Spain. We translate that into clear business insurance solutions.
ii.
One point of contact for multiple covers
Instead of juggling separate policies for premises, contents and liability, we help you build a coordinated business insurance package – and we stay as your contact.
iii.
Clear explanations of Spanish insurance terms
We explain key policy terms and conditions in plain English, so you know what you're buying, what's covered and how to avoid unpleasant surprises.
iv.
Flexible options for autónomos and growing teams
Whether you're just starting out or already employing staff, we aim for cover that can grow with you – not something that needs to be replaced every year.
v.
Support with landlord and bank requirements
If your lease, bank or shopping centre requires specific cover, we help you understand those clauses and align your policy accordingly.
vi.
Caser: 75+ years of trust
We work exclusively with Caser, part of Grupo Helvetia, offering comprehensive business insurance with the right balance of cover and cost.
Excess (franquicia) on Caser BAS PAQ claims
Best for businesses wanting lower annual premiums
Standard excess
- Lower annual premium
- Fixed amount paid by you on each claim — typically applied to property and theft
- No excess on commercial assistance call-outs (locksmith, glazier, electrician, plumber)
- Civil liability claims usually have no excess
Best for businesses wanting simpler claims handling
Reduced or nil excess
- Higher annual premium
- Lower or no out-of-pocket cost when claiming
- Good for high-turnover businesses or those with tight cash flow
- Recommended for hospitality and pharmacy where breakage frequency is higher
BAS PAQ excess varies by tier and sector package. Tell us your preference and we'll recommend the best structure.
Key Terms
Key Spanish Business Insurance Terms
Essential vocabulary for understanding your business and liability insurance policy in Spain.
Seguro de responsabilidad civil
Public liability insurance
Seguro de responsabilidad civil profesional
Professional indemnity insurance
Seguro de responsabilidad civil general
General liability insurance
Seguro multirriesgo empresarial
Combined business insurance
Prima empresarial
Business premium
Franquicia
Excess or deductible
Límite de indemnización
Indemnity limit
Capital asegurado
Sum insured
Responsabilidad civil patronal
Employer's liability
Daños materiales
Property damage
Lucro cesante
Business interruption
Responsabilidad por productos
Product liability
Emergency call-out and claims at your business
01
Ensure safety first — call 112 if anyone is injured or there's fire/flooding
02
Call Caser's 24/7 commercial assistance hotline for immediate response — glazier under 3 hours for broken displays, plus locksmith, electrician and plumber
03
Document the incident with photos, video and notes (damage, time, cause if known)
04
Gather witness contact details if a customer is injured or a third party is involved
05
Do not admit liability or sign anything — Caser legal protection covers customer claims
06
Contact us within 24–48 hours — we open the claim file and stay your point of contact
07
Caser assesses the claim, confirms cover and coordinates repair, replacement or compensation
08
We follow up until settlement and check the renewal isn't penalised unfairly
Report incidents promptly — delays can affect your claim. The 24/7 commercial assistance hotline is your first call for emergency call-outs; we handle the formal claim file from there.
Where Caser BAS PAQ applies
01 · Region
Mainland Spain
Full cover for declared premises and activities anywhere on the Spanish mainland.
02 · Region
Canary Islands
BAS PAQ covers premises in the Canary Islands with the same tier structure and assistance services.
03 · Region
Balearic Islands
Full BAS PAQ cover for premises in Mallorca, Menorca, Ibiza and Formentera.
04 · Region
Civil liability scope
Civil liability typically extends to claims arising in Spain from your declared business activity. Cross-border or international scope requires a specific endorsement — ask us.
All Spain coverage applies to declared premises and activities. Hotels, accommodation and shopping centres are excluded from BAS PAQ regardless of location.
Business interruption cover is often overlooked but can be crucial. If a fire or flood closes your premises, how long could you survive without income? That's the period you need to insure.
Maya Kallio
Licensed Insurance Agent, DGSFP
Expert reviewed
Written and reviewed by licensed insurance agents.
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 · DGSFP License: C0031B93323293
Common questions
Frequently asked questions
Anything more specific — call or WhatsApp, we'll pick up.
What is business insurance in Spain?
Business insurance is a package of covers designed to protect your company's premises, contents, stock, income and liability. It can include buildings insurance, contents, stock, business interruption, public liability and more, depending on your activity.
Do I need business insurance if I work from home?
Possibly. Standard home insurance usually does not cover business activities, equipment or stock. If clients visit you at home or you store stock or professional equipment there, you should consider business insurance. We can help you choose the right setup.
Is business insurance mandatory in Spain?
Some elements can be required by law, your landlord, lenders or professional bodies. For example, certain sectors may need public liability or specific property cover. Even when not strictly mandatory, business insurance protects you from losses that could threaten your business.
What's the difference between business insurance and public liability?
Public liability is one part of business insurance – it covers injury or property damage claims from third parties. Business insurance usually includes additional cover for buildings, contents, stock and business interruption. We can help you decide whether you need a full package or a more focused policy.
How much business insurance do I need?
It depends on your premises, equipment, stock value and how long you could survive without income if something happened. We'll ask about these areas and help you choose realistic sums insured and limits based on your situation.
Does business insurance cover my employees?
Business insurance can include some covers that benefit employees (e.g. property or interruption), but injuries to employees are usually covered under a separate workers' or accident insurance. Tell us about your team and we'll recommend suitable solutions.
Can I include multiple locations on one policy?
In many cases, yes – but the insurer needs full details for each location. Depending on your structure, we may recommend separate policies or a combined package. We'll go through your setup and suggest the best approach.
Does business insurance cover online businesses?
It can. If you hold stock, use equipment, or have liability towards customers, you still have insurable risks. We can look at a combination of property, stock, liability and potentially cyber cover, depending on your business.
Are my tools and laptops covered outside the premises?
Only if the policy explicitly includes all-risks or specific portable equipment cover. Many base policies restrict cover to the premises. If you travel with equipment, we'll help you add the right extension.
What happens if a claim occurs?
Contact us as soon as possible. We'll guide you through the process – what evidence you need, how to report it and what to expect. The insurer will assess the claim under the policy terms and we'll stay on your side throughout.
Can my business insurance be combined with other policies?
Yes. We can coordinate your business insurance with your public liability, professional indemnity or vehicle insurance so that you're covered smoothly across different areas, without unnecessary overlaps.
How quickly can business insurance start?
For straightforward, low-risk activities, cover can start within a day or two. More complex sectors or larger businesses may require additional questions or documents, which can take longer. We'll always confirm your start date before you rely on the cover.
Related guides
Related guides
Professional Indemnity vs Public Liability Insurance
Understand the key differences between these two essential business insurance types
Read more →Professional Indemnity Insurance
Comprehensive guide to PI insurance for consultants and advisors
Read more →Contact us
Questions about business insurance? Get in touch with our team
Read more →Customer Reviews
Customer reviews
4.8/ 5
Based on 1,500+ reviews from expats across Spain
As expats opening a small café, we weren't sure what cover we needed. They built a Caser package that made sense without pushing unnecessary extras.
I run a small design studio from a co-working space. They arranged business insurance that covers my equipment and liability, and made sure it matched the space's requirements.
