Protect your business in Spain
Licensed Broker
DGSFP Registered
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 compare options and guide you through every step.
Typical starting price for basic cover for a small, low-risk business. Final premium depends on your sector, turnover, size and cover selection.
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
Business Starter – Premises & Contents
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
Business Plus – Retail & Hospitality
BEST FOR:
- • Shops, boutiques, salons, barbers, wellness studios
- • Cafés, small restaurants and food businesses
NOT RECOMMENDED FOR:
- • Construction, industrial or high-hazard activities
Business Advanced – Trades & Growing Businesses
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
How it works
Getting business insurance in Spain is straightforward with our expert guidance
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.
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.
Compare tailored business insurance options
We speak to suitable insurers and build one or more package options. You'll see clear comparisons of cover limits, key benefits, exclusions and price.
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.
Coverage overview
Understand what's included, what's optional, and what's not covered
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)
Optional add-ons
- 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
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)
Why choose us?
Here's why thousands trust us with their insurance
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.
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.
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.
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.
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.
Access to multiple insurers and markets
We're not tied to a single insurer. We compare business insurance options from different providers and help you select the right balance of cover and cost.
Frequently asked questions
Related guides
Learn more about insurance in Spain
Professional Indemnity vs Public Liability Insurance
Understand the key differences between these two essential business insurance types
Professional Indemnity Insurance
Comprehensive guide to PI insurance for consultants and advisors
Contact us
Questions about business insurance? Get in touch with our team
Based on 1,500+ reviews from expats across Spain
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.
Sophie M.
Málaga
As expats opening a small café, we weren't sure what cover we needed. They compared options and built a package that made sense without pushing unnecessary extras.
Daniel & Carla
Alicante
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.
Liam P.
Madrid