Personal Liability Insurance
In Spain
A guest trips on your stairs. Your child breaks something at a friend’s house. Your dog damages someone’s property.
In Spain, you can be held personally liable and be forced to pay for damage or injury, even if it was unintentional.
Many people think they’re already covered.
But unless you have specific civil liability insurance (RC Particular), chances are: you’re not.
We help individuals and families get the right cover. Fast, affordable, and with proper legal protection.
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What’s Covered and Why It Matters
Personal liability insurance (RC Particular) protects you if you or someone in your household causes damage to others—at home or in everyday life. It covers accidental harm caused by you, your family members, or even your pets, helping you avoid serious financial risk.
This insurance can cover situations such as:
- Damage caused by your child to someone else’s property
- Damage spreading to neighbouring properties (fire, water, etc.)
- Incidents involving your pet in public spaces
- Accidental damage in rented or holiday properties
- Injuries to guests inside your home
Key Protection
- Covers third-party damage only
- Includes legal and liability costs
- Prevents personal financial loss
- Protects against large compensation claims
Frequently Asked Questions
Is personal liability insurance mandatory in Spain?
Not by law — but in many situations, it’s required in practice.
Think rental contracts, school enrolment or visa applications.
Even if no one asks for it, one accident can lead to thousands in personal claims.
What does personal liability insurance cover?
It covers damage or injury caused to third parties — by you, someone in your household, or your pets.
Examples include:
Physical injury to others
Damage to property (e.g. furniture, electronics, vehicles)
Legal defence and compensation if you’re found liable
What is not covered?
Personal liability insurance does not cover:
Damage to your own property
Injuries to yourself or your family
Business-related claims (you need business liability for that)
Gross negligence or intentional damage
Does it cover my children or pets?
Yes — most policies cover everyone living in the household, including minor children and pets.
Let us know if you own a dog: civil liability insurance is mandatory for dog owners, and we’ll make sure your policy meets legal requirements.
Is this the same as pet insurance?
No.
Pet insurance may cover medical costs for your animal.
Personal liability insurance covers damage your pet causes to others — like biting someone, or damaging property.
Does it cover rented property or holiday homes?
Yes — many policies cover damage you cause as a tenant or guest.
For example, if you break a window in an Airbnb or flood the apartment below.
Let us know how and where you live — we’ll make sure it’s included.
Does this replace home insurance?
No.
Home insurance typically includes limited liability cover, but it may not be enough — or valid outside your home.
Personal liability insurance is standalone and broader.
We’ll check what you already have and whether it covers what you need.
I already have home or travel insurance — do I still need this?
Some policies include limited liability coverage, but with low limits or narrow conditions.
We’ll review your existing cover for free and tell you if it’s enough.
Can I be personally sued for something my child does?
Yes.
In Spain, parents are responsible for damage caused by their minor children.
Even if it was an accident. Liability insurance covers this risk.
Can I cancel or adjust the policy during the year?
Policies usually run for 12 months. Cancellation is possible up to 30 days before renewal.
If your activity or structure changes during the year, we’ll help adjust the cover accordingly.
Which insurers do you work with?
We work with leading insurers in Spain: Mapfre, Allianz, Zurich en Asisa.
We choose based on what’s best for your property and risk profile, not based on commission.
What happens if I need to make a claim?
You contact us — not a call centre.
We help you report the claim, deal with the insurer, and make sure the process runs smoothly.
Raising the Standard of Service
Allianz
Strong international coverage
Allianz is one of Europe’s largest insurers with over 100 million clients worldwide. Why people choose Allianz:
- Access to top private hospitals
- Dental, physio, and mental health usually included no extras.
- English app and support for non-Spanish speakers.
Zurich
Solid cover in and outside of Spain
Zurich offers straightforward policies with clear benefits and no fine-print confusion. Why people choose Zurich:
- Easy to choose between standard and premium cover levels
- Well-rated service and simple claims process
- Trusted by families and long-term residents.
Mapfre
Spain’s largest homegrown insurer
Mapfre is Spain’s largest insurance company, with a massive medical network. Why people choose Mapfre:
- Wide national coverage, including smaller towns
- See any doctor with up to 90% reimbursement.
- Reliable, efficient, and trusted by both locals and expats
Asisa
Spain’s largest medical network
Asisa was founded by doctors and now runs Spain’s biggest network of clinics and hospitals. Why people choose Asisa:
- Access to 40,000+ doctors and 1,000+ clinics and hospitals
- 24/7 English-speaking helpline and telemedicine options
- “Hospital at home” care available in many areas
Get in touch
Everyone here at Exactly is dedicated to helping you start your SL business in Spain quickly and professionally.
Send an e-mail: support@exactly.es
Call us: +34 9650 20262
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