Liability Insurance
Compensation for bodily injury, material damage or financial loss caused to third parties.
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 people they are answerable for, may be at fault, arising from events in their private or professional life.
It includes, among other things, damage caused to third parties by water, fire or an explosion, and damage caused by the acts or omissions of domestic staff.
Typical cover
- Bodily injury to third parties
- Material damage and financial loss
- Damage from water, fire or explosion
- Acts or omissions of domestic staff
- People the insured party is answerable for
- Defence and provision of bonds
What an Insurance Broker really is
A broker is the expert who acts as an intermediary between the insurer and the client, representing the insured party and their interests, rather than the insurer alone.
We are the only professionals legally qualified 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 commission. In principle, our service has no cost to the client.
- We take care of everythingFrom taking out the policy through to the claim, should one arise.
- We defend your interestsBefore the insurer, just as a solicitor would.
Other personal insurance
Motor
From third-party cover through to fully comprehensive, with travel assistance, replacement vehicle and legal expenses.
View cover
Motorbike
In Spain, motorbike and moped insurance is compulsory in order to ride legally.
View cover
Electric scooter
Liability cover to ride legally, plus the option of also covering accidents and the scooter itself.
View cover
Home
Damage from water, broken glass, fire, weather events, electrical faults, breakdowns and theft.
View cover
Holiday letting
A holiday let carries risks that an ordinary home policy doesn't cover.
View cover
Rent guarantee
You still receive the rent even if the tenant stops paying, with legal proceedings and damage covered.
View coverWhat people tend to think, and what really happens
Five ideas we often hear that end up costing dearly on the day there's a claim.
"Going it alone works out cheaper."
A broker costs you nothing: we're paid by the insurer. And we compare several insurers at once, which you would 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. The insurer's representative is its agent, which is a different role entirely.
"If I have a claim, I'll sort it out myself."
How the claim is opened and documented shapes everything that follows. We handle it for you, including the claim itself.
"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 third parties, not what happens to you. That's the difference between a scare and a real problem.
Shall we put together a liability insurance quote for you?
Tell us about your situation and we'll send you a comparison of the best options on the market, giving you the best support for making 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.
- Quick responseDuring office hours, usually the same day.
What questions do you have?
We'll get back to you with a liability insurance quote and a tailored comparison.
Can’t see the form? Open it in a new window.
Prefer to talk? Call us on 922 235 203 or message us on WhatsApp at 667 420 381.