Business Liability Insurance
In Spain
One mistake, one complaint, one accident and your business is legally exposed.
A broken floor tile in your office. A miscalculation in client work.
A small water leak that damages the neighbour’s shop.
Without liability insurance, you or your company pay the full cost, including claims, repairs and legal fees.
In Spain, civil liability insurance isn’t just smart. It’s often required.
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What Business Liability Insurance Covers
In business, even small incidents can lead to serious claims. If someone is injured, property is damaged, or a client suffers a loss, responsibility often falls on the business named on the invoice. Business liability insurance protects you when things go wrong.
This cover typically includes:
- Property damage caused during your work
- Injuries to third parties on-site or at project locations
- Claims from clients, suppliers, or the public
- Legal defence and court costs
Key Benefits
- Protects your business finances
- Covers real-world business risks
- Includes legal support
- Prevents underinsurance issues
Frequently Asked Questions
Is liability insurance mandatory in my sector?
Not always by law — but in many cases, you simply won’t be able to operate without it.
In construction and technical trades, liability insurance is required to access worksites or register as a contractor. In hospitality, it’s often demanded by landlords, health inspectors or local authorities. Shops and retail businesses typically need it to sign lease agreements. And if you rent out property, you’re expected to have cover in place in case of damage to tenants or neighbours.
Even for advisors, consultants and accountants, liability insurance isn’t legally required — but it often is by your clients. Many tenders and contracts include it as a condition.
Freelancers and small business owners without staff aren’t exempt either. If your work involves physical space, advice or third parties, a single claim can have serious financial consequences.
What does it cover?
Liability insurance protects your business against damage or injury caused to others during your work.
This includes:
Physical injury on your premises or job site
Damage to client property
Claims based on mistakes, delays or omissions
Legal defence and court costs
Does it cover damage caused by subcontractors?
In many cases: yes — but only if they’re declared.
If you use subcontractors, we’ll make sure your policy is set up correctly to include them or advise you to require their own coverage.
Does this also cover professional mistakes?
Yes — if the policy includes professional liability (RC profesional).
This is crucial for consultants, accountants, advisors and technical professionals.
General liability (RC general) doesn’t cover bad advice or calculation errors.
I already have a policy. Can you check if it’s enough?
Yes. Many businesses think they’re covered — until something happens and it turns out the policy excludes the key risk.
We’ll review your current insurance, explain what’s missing (if anything), and fix it if needed.
I’m self-employed. Do I really need this?
If your work involves clients, physical spaces, tools or advice — yes.
One small mistake or claim can put personal assets at risk.
Even if it’s not legally required, it’s often required by contract, by a landlord, or to join a professional association.
Does this replace my contents or property insurance?
No.
Liability insurance covers damage to others — not damage to your own equipment, stock or space.
We can help combine liability with contents or building insurance if needed.
How much does it cost?
That depends on:
Your activity
Turnover
Business structure (freelance or company)
Claims history
Type of coverage (general / professional / combined)
As a rough guide:
Basic liability starts from €150–250 per year
More complex sectors or professional liability from €300–800+ per year
We will always give a clear quote.
Can I pay monthly?
Yes, most insurers offer monthly or quarterly payments.
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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