Bussines insurance in Spain
Insurance for SMEs
Complete business risk insurance for small to medium business enterprises, flexible and adaptable to the characteristics and needs of your company.
Commerce insurance
Specific cover for shops and retail businesses, including contents, break-in, fire damage and civil liability for customers on the premises.
Collective life insurance
Group policies that cover employees in the event of death, disability or accidents, increasingly expected by talent in Spain.
Civil liability (CR) insurance
Mandatory for businesses that interact with the public or third parties. Covers claims for property damage or personal injury caused by your business activity.
Professional civil
liability insurance
This insurance is mandatory for all professionals who by law must be registered to practice their profession.
Directors and officers
civil responsibility insurance
With our insurance for directors and managers of companies, your personal assets will be protected from claims by creditors, shareholders or employees.
Transportation insurance
Land, air and maritime freight transport insurance is aimed at all types of companies in the logistics sector with products on the move.
Accident insurance
In adverse health situations this will ensure the coverage of your daily costs securing the future well-being of you and your family.
Cyberprotection insurance
Protecting your business against the losses that may be produced as a result of a computer attack.
Insurance for SMEs
Complete business risk insurance for small to medium business enterprises, flexible and adaptable to the characteristics and needs of your company.
Commerce insurance
Maximum protection for you, your premises and your business activities. With Civil Liability included.
Collective life insurance
Complete protection for your company workers.
Civil liability (CR) insurance
The insurance you need to open your business and / or face possible third-party demands.
Professional civil
liability insurance
This insurance is mandatory for all professionals who by law must be registered to practice their profession.
Directors and officers
civil responsibility insurance
With our insurance for directors and managers of companies, your personal assets will be protected from claims by creditors, shareholders or employees.
Transportation insurance
Land, air and maritime freight transport insurance is aimed at all types of companies in the logistics sector with products on the move.
Cyberprotection insurance
Protecting your business against the losses that may be produced as a result of a computer attack.
Accident insurance
In adverse health situations this will ensure the coverage of your daily costs securing the future well-being of you and your family.
Frequently Asked Questions About Business Insurance in Spain
How much does business insurance cost in Spain?
Premiums vary widely depending on turnover, sector, number of employees and coverage level. A basic civil liability policy for a freelancer can start from €150–€300 per year. SME packages are quoted individually.
Protecting your business in Spain starts with understanding what you actually need. Contact CM Seguros and we’ll help you find the right coverag, in plain English.
What's the difference between civil liability and professional indemnity in Spain?
Civil liability (responsabilidad civil general) covers damage or injury caused by your business operations. Professional indemnity (responsabilidad civil profesional) covers financial losses caused by errors in your professional advice or services.
Can I get business insurance in Spain with documents in English?
Yes. CM Seguros handles all communication in English and can provide policy summaries in English, even when the underlying policy is in Spanish.
Do I need business insurance if I'm self-employed (autónomo) in Spain?
It depends on your profession. Regulated professions require professional indemnity by law. For most autónomos, civil liability insurance is strongly recommended to protect against client claims.
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Whatever your insurance coverage needs are, we’re here to help life go right.
