Public liability insurance in Spain for expats
Licensed Broker
DGSFP Registered
If a client or member of the public is injured, or their property is damaged because of your business activities, public liability insurance protects you from costly claims. We help expats, autónomos and small businesses in Spain arrange the right public liability cover – explained clearly in English. From home-based consultants to trades, shops and cafés, we match your real risks to the right policy.
Typical starting price for basic public liability cover for low-risk activities. Final price depends on your sector, turnover and required limits.
Who is it for?
Self-employed professionals, freelancers, shop and café owners, tradespeople, therapists, coaches and other small businesses in Spain who interact with clients or the public.
Activation time
Once your details are confirmed and the insurer accepts the risk, cover can often start within 24–72 hours. Some sectors may require extra questions or documents.
Documents needed
ID or passport, NIE or tax number, business activity details, estimated annual turnover, address of premises (if any), and existing contracts or landlord requirements if available.
Languages available
We guide you through everything in English or Spanish. Some insurers also provide policy documents in multiple languages.
Choose the right public liability cover
From basic liability for consultants to comprehensive cover for trades and shops
Public Liability – Essential
BEST FOR:
- • Low-risk activities (consultants, coaches, designers, translators)
- • Home-based or office-based professionals seeing clients occasionally
NOT RECOMMENDED FOR:
- • High footfall premises (shops, cafés)
- • Trades and manual work with higher injury/property damage risk
Public Liability – Business
BEST FOR:
- • Shops, boutiques, salons, cafés, small restaurants
- • Offices with regular client visits
NOT RECOMMENDED FOR:
- • Construction, heavy trades or high-risk industries
Public Liability – Professional & Trades
BEST FOR:
- • Tradespeople (electricians, plumbers, painters, small contractors)
- • Higher-risk manual or on-site work involving tools and materials
NOT RECOMMENDED FOR:
- • Very low-risk, office-based professionals only
How it works
Getting public liability cover is straightforward with our guidance
Tell us about your business
Share what you do, where you work, your typical clients and estimated turnover. We use simple questions in plain English to understand your real risks.
We compare public liability options
We approach insurers that suit your activity, then compare public liability policies by cover, limits, conditions and price – not just the headline premium.
Choose limits that match your contracts
Whether your landlord, clients or tenders ask for specific indemnity limits, we help you pick cover levels that match those requirements without overpaying.
Get your certificate and stay supported
Once you're happy with the offer, we arrange the policy and provide proof of insurance. If a claim happens, we stay involved to help you with next steps and communication.
What does public liability insurance cover?
Understand what's included, what's optional and what's typically excluded
Included
- Injury to clients or members of the public on your premises or at client sites
- Damage to third-party property caused by your business activities
- Legal defence costs related to covered claims
- Settlements or court-awarded compensation (within policy limits)
- Cover for incidents linked to your declared business activities
- Cover at your business address and, where agreed, at customer premises
- Basic cover for temporary work away from your main premises (depending on policy)
Optional add-ons
- Higher indemnity limits to meet landlord, client or contract requirements
- Product liability (if you sell or supply physical products)
- Tenants' liability for damage to rented premises
- Tools, equipment and stock cover (separate section/policy)
- Professional indemnity (for pure financial loss from professional advice – usually separate policy)
- Cover for participation in fairs, markets, exhibitions and events
- Retroactive cover (in some cases, subject to insurer approval)
Not covered
- Claims from activities not declared to the insurer or not within your policy description
- Intentional or criminal acts, fines and penalties
- Injury to your employees (this requires separate workers' or accident cover)
- Professional advice or services causing purely financial loss (that's professional indemnity)
- Gradual pollution or environmental damage (unless specifically covered)
- Work at heights, heavy construction or other high-risk work not accepted by the insurer
- Claims exceeding your chosen indemnity limit
Why choose us for public liability insurance?
Expert guidance for expat businesses, autónomos and small teams in Spain
We understand expat businesses in Spain
Whether you run a small shop, café, therapy practice or freelance consultancy, we focus on expats who live and work in Spain – and who need clear information, not complicated insurance language.
Help matching cover to real-world requirements
Landlords, co-working spaces and corporate clients in Spain often ask for specific liability limits and wording. We help interpret those requirements and find a policy that actually fits.
Clear explanations of what's covered (and what isn't)
Public liability can be confusing. We explain in English what's covered, what isn't and how it works with other covers like professional indemnity or contents insurance.
Flexible options for autónomos and small teams
From one-person businesses to small teams, we can explore options that grow as your turnover and risk grow – without locking you into something oversized from day one.
Support if something goes wrong
If a client trips, something breaks or a claim letter arrives, we help you understand what to do, how to report it and what information the insurer will need.
Access to multiple insurers, not just one
We're not tied to a single insurance company. We compare public liability options from different insurers and help you pick based on value, not just headline price.
Need public liability cover for your business in Spain?
Tell us about your activity, clients and contracts, and we'll compare public liability insurance options in Spain – with clear explanations in English.
Frequently asked questions
Based on 850+ reviews from expats across Spain
As an expat running a small wellness studio, I needed liability cover for my landlord and clients. They explained everything clearly and arranged a policy that ticked all the boxes.
Julia S.
Barcelona
We opened a café and were overwhelmed by all the insurance requirements. They helped us choose public liability with the right limits for our lease and the bank.
Tom & Ana
Valencia
I work as a freelance IT consultant visiting client offices. They quickly arranged basic public liability and explained how it fits with my professional indemnity.
Mark R.
Madrid
Get a tailored public liability insurance quote
Fill in a short form and we'll send you personalised quotes for public liability insurance in Spain, with support choosing the right limits for your business.
Related guides
Learn more about insurance in Spain