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
Business insurance cost in Spain and what affects your premium
Business insurance in Spain is priced based on your sector, premises, turnover, and claims history. Request a quote and we will arrange the best-fit policy for your situation.
Price drivers
- Business sector: low-risk office vs retail vs hospitality vs trades
- Annual turnover: higher turnover usually means higher premiums
- Premises type: size, location, age and construction of premises
- Number of employees: more staff can mean higher liability exposure
- Stock and equipment value: higher values require higher cover limits
- Claims history: previous claims can increase premiums
Example profiles
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
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.
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
Most cases are straightforward. If you are missing something, request a quote anyway and we will confirm what is required for your case.
We help you navigate Spanish business paperwork
Checklist
Just starting out?
Even if your business is new, we can often arrange cover. Tell us your situation and we'll confirm what's possible.
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.
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)
Business types we cover
We help a wide range of expat-run businesses in Spain. Send your details and we will confirm what cover options are available for your activity.
Autónomos (Self-Employed)
Freelancers and self-employed professionals with premises, equipment or client-facing activities. We help you build appropriate cover for your solo business.
Learn moreRetail & Hospitality
Shops, boutiques, cafés, restaurants, salons and wellness studios. Cover for premises, stock, liability and business interruption.
Learn moreOffices & Studios
Co-working spaces, design studios, therapy rooms and professional offices. Protection for your workspace, equipment and client interactions.
Learn moreTrades & Contractors
Electricians, plumbers, builders, painters and other tradespeople with premises, tools and on-site work. Tailored cover for your specific risks.
Learn moreHome-Based Businesses
Working from home with client visits, stock or professional equipment? Your home insurance may not cover business activities. We help you fill the gaps.
Learn moreProtection for your business, wherever you operate
From shops and cafés to offices and studios
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.
Excess (franquicia) on business insurance claims
Standard excess
- Lower annual premium
- You pay an agreed amount towards each claim
- Good for established businesses with lower claim risk
Reduced or nil excess
- Higher annual premium
- Lower or no out-of-pocket cost when claiming
- Good for businesses with tight cash flow or higher exposure
Tell us your preference and we will recommend the best structure for your situation.
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
When something goes wrong at your business
Ensure safety and call emergency services if needed
Document the incident with photos and notes
Gather witness information if applicable
Do not admit liability or make promises
Contact us within 24-48 hours
We will guide you through the claims process step by step
Report incidents promptly – delays can affect your claim.
Where your business cover applies
Your premises in Spain
Standard business insurance covers your declared premises and activities within Spain.
Work at client sites
Many policies extend cover to work carried out at customer premises within Spain. We will confirm the scope for your policy.
EU and international projects
Cover outside Spain may be possible with extensions. Tell us about your projects and we will confirm what's available.
Territorial scope varies by insurer and activity. We will confirm this for your specific case.
"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 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
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
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
Aug 2024
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
Oct 2024
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
Nov 2024