Liability Insurance
General, employer's, product and completed-operations liability, tailored to the business's sector and turnover.
What does it cover?
Liability cover includes payment of compensation for bodily injury, material damage or financial loss caused to third parties for which the insured party, or those they are responsible for, may be at fault, arising from events in their private or professional life.
It includes, among others, damage to third parties caused by water, fire or explosion, and damage caused by the acts or omissions of domestic staff.
For a business, liability cover is sized according to the sector, turnover and geographic scope of the activity, and is coordinated with the rest of the insurance programme so there are no gaps or overlaps.
Typical cover
- Operational liability
- Employer's liability
- Premises liability
- Product and completed-operations liability
- Bodily injury, material damage and financial loss to third parties
- Legal defence and provision of bonds
What an Insurance Broker really is
The broker is the expert who mediates between the insurance company and the client, representing the insured party and their interests, rather than the insurer exclusively.
We are the only qualified professionals legally authorised to advise with strict independence and impartiality from insurance companies.
- We compare the marketAdvice based on an objective analysis of contracts from a sufficient number of insurance companies.
- It costs you nothingThe broker is paid by the insurer in the form of commissions. As a rule, the service costs the client nothing.
- We take care of everythingFrom taking out the policy to the claim, if one occurs.
- We defend your interestsWith the insurer, in the same way a lawyer would.
Other insurance for businesses
Industrial multi-risk insurance
Facilities, machinery and stock, plus loss of profits if a claim halts the business.
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Directors and Officers (D&O)
Protects the personal assets of those who manage or direct the company against claims arising from their management decisions.
View insurance
Cybersecurity
Covers the costs and business impact of incidents arising from a cyberattack.
View insurance
Environmental Liability
Covers the obligation to prevent, avoid and repair environmental damage imposed by Ley 26/2007 (Spain's Environmental Liability Act).
View insurance
Credit and Surety
Credit insurance guarantees payment in the event of debtor insolvency; surety guarantees the fulfilment of your obligations.
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Vehicle fleet
All the business's vehicles in a single policy, with unified terms and renewal.
View insuranceWhat people tend to believe, and what actually happens
Five ideas we hear often that prove costly the day there's a claim.
"Going it alone is cheaper."
The broker costs you nothing: the insurer pays them. And they compare several companies at once that you'd otherwise have to approach one by one.
"All policies are the same."
Two policies at the same price can have very different limits, excesses and exclusions. What matters is what the terms say on the day of the claim.
"The broker works for the insurer."
The broker represents the insured party and their interests. It's the insurer's agent who represents the company — a different role altogether.
"If I have a claim, I'll sort it out myself."
How the claim report is opened and documented shapes everything that follows. We handle it, and the claim itself too.
"Switching insurer is a hassle."
We handle it for you, including cancelling the previous policy in time so it doesn't renew automatically.
"The compulsory cover is enough for me."
The legal minimum covers what you cause to others, not what happens to you. That's the difference between a scare and a real problem.
Shall we prepare a liability insurance quote?
Tell us about your situation and we'll send you a comparison of the best options on the market — the best support for the right decision.
- No obligationWe give you the price and the cover; you decide.
- No costAs brokers, we're paid by the insurer, not by you.
- Fast responseDuring office hours, usually the same day.
What questions do you have?
We'll reply with a liability insurance quote and a tailored comparison.
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Prefer to talk? Call us on 922 235 203 or message us on WhatsApp at 667 420 381.