Business Insurance: for shops, restaurants, professionals and SMEs
Licensed Broker
DGSFP Registered
Caser Expertología: customisable cover across property, contents, civil liability, business interruption and IT support. Three tiers - Basic, Comfort, Premium. Specialist hotline for businesses.
From €360/year
Quote-based. Final premium depends on sector, turnover, premises size and cover selection.
Typical starting premium. Final price always depends on your individual circumstances.
Payment: Annual, half-yearly, quarterly or monthly.
What's covered
Cover included as standard with BAS PAQ business multi-cover
Property damage
Fire, explosion, lightning strike, water damage, electrical damage and machinery breakdown cover for the premises and fixtures.
Contents - theft & burglary
Theft and robbery of contents, plus 'breakages and aesthetic damage' (broken displays, signage, etc.). Refrigerated goods deterioration covered.
Civil liability
Basic and comprehensive civil liability options - covers property damage, tenant liability, customer injury claims, business operations.
Business interruption
Loss of profits and forced eviction during repairs. Includes rental expenses; pharmacies have specific electronic-sales-loss compensation.
Commercial assistance
24/7 emergency response for commercial premises - locksmith, glazier (response in under 3 hours for broken displays), electrician, plumber.
IT support - up to 5-10 computers
Tech support for business computers and devices. Useful for shops with POS systems and small offices.
Legal protection
Caser defends you against claims; covers legal fees if it goes to court.
Personal accidents
Cover for personal injury to the business owner and named employees.
Specialised services
Graffiti cleaning, air conditioning repair assistance - Premium tier.
Optional add-ons
Extend cover by adding any of these to your policy at quote stage.
For modifications and improvements when you rent the premises.
Spoilage cover for restaurants, butchers, etc.
Tailored cover for hospitality, pharmacy, real estate, hairdressing.
What's not covered
Be clear on what's excluded so you can decide if this tier suits you.
- Storage facilities (excluded business type)
- Industrial manufacturing (excluded business type)
- Large-scale garages (excluded business type)
- Accommodation businesses such as hotels and hostels - separate product
- Shopping centres (excluded business type)
- Treatments excluded by the General Conditions
Business Insurance, in one paragraph
Caser Expertología (BAS PAQ) is the business insurance product we recommend for SMEs in Spain: shops, restaurants, professional services, pharmacies, hairdressing salons and similar. Three customisable tiers (Basic, Comfort, Premium) cover property, contents (theft, breakage, refrigeration), civil liability (customer claims, professional negligence), business interruption (loss of profits during repairs), IT support and legal protection. Backed by 17 dedicated business specialists and 35+ years of business-insurance experience. Specialist sector packages available for hospitality, pharmacy, real estate and hairdressing.
Eligible business types
BAS PAQ covers most retail, hospitality and professional businesses, including: footwear, leather goods, jewellery, fashion, electronics, computers, books and toys; butchers, bakeries, restaurants, bars, cafés, ice cream shops and delicatessens; dealerships, mechanical workshops and accessory shops; teaching centres, photography studios, antique dealers and hairdressing salons; pharmacies, tobacconists and florists.
Excluded business types: storage facilities, industrial manufacturing, large-scale garages, accommodation businesses (hotels and hostels are a separate product) and shopping centres.
Tier comparison
Choose the tier that matches your risk profile. You can mix and match with sector-specific add-ons at quote stage.
- Basic - foundational cover: property damage, contents theft, basic civil liability, commercial assistance.
- Comfort - adds business interruption (loss of profits), enhanced civil liability, IT support and legal protection.
- Premium - adds personal accidents, specialised services (graffiti cleaning, air conditioning assistance) and maximum civil liability limits.
Frequently asked questions
Can I insure rented premises?
Yes - covering modifications through 'First-Risk Building' coverage if you're not the owner. The basic policy covers your contents and operations regardless of who owns the building.
Are all coverages mandatory?
No - the product is fully customisable. Choose only the packages that fit your business needs. Most businesses pick property + contents + civil liability + assistance as the core.
Is theft of money covered?
Cash and money-related theft is covered (with cash-on-premises limits) when the contents/theft package is included.
What about customer injury claims (e.g. slip and fall)?
Yes - civil liability covers customer injury claims. Caser will defend you against any claim and cover the necessary legal fees if it goes to court.
What businesses are EXCLUDED?
Storage facilities, industrial manufacturing, large-scale garages, accommodation businesses (hotels, separate product) and shopping centres are excluded from this product. Most retail, hospitality and professional businesses are eligible.
How fast is emergency response?
Examples include glazier response in less than 3 hours for broken displays. Specific SLAs depend on location and time of day.
Is there sector-specific cover?
Yes - Caser has specific BAS PAQ packages for Hospitality, Pharmacy, Real Estate and Hairdressing. We'll match the right package to your business at quote.
Get your BAS PAQ business multi-cover quote
Fill in the details and our team will come back to you with a written quote.
Policy documents
Underwritten by Caser - 75+ years in Spain
Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros S.A. (Caser)