Project Description

Commercial Insurance & Third Party Liability

Commercial Insurance & Third Party Liability

a necessary protective measure for every company


Public liability insurance is one of the most important business insurances in Spain and is indispensable for most companies. In principle, the public liability insurance for each company is a necessary protective measure to meet legitimate claims of third parties or to be fended off by the insurer.

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Details about the property
Do you want a building insurance?
Do you want a public liability?
Building Security
Is a burglar alarm system available?
Is a safe available?
Safety glass?
Further Safety
Do you wish a
Transport insurance?
Accident insurance for the employees?
Business interruption insurance?
Information about the company
Address of the company to be insured
Would you like to provide further information?
Privacy Policy
A lot is going on in the insurance industry right now.
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Most companies have no alternative to taking out liability insurance. In every business activity there is the risk of causing accidental material damage or personal injury. In Spain such claims are covered by public liability insurance.

The company is in principle liable, with all its assets, for any claim caused by the business owner or any employee.

The indemnity claims arising from liability claims can threaten the existence of small and medium-sized enterprises. This mainly concerns personal injuries, where the indemnity claim can reach several millions. In such events, the public liability insurance covers the demands put forward and protects the business from financial risks.

  • Personal injuries
  • Material damages (repair or replacement costs)
  • Financial losses resulting from a claim of personal injuries or material damages

Liability insurance covers claims which are caused by you as an entrepreneur or one of your employees to a third party (personal injuries) or to its assets (material damages).

For instance, if an employee of a painting and decorating firm damages a valuable porcelain vase, the owner of the business is liable to compensate the owner. The liability insurer will assume the responsibility of verifying the validity of claims, protecting you against invalid demands and pay justified claims.

Furthermore, the liability insurance will cover financial loss as a consequence of a valid personal injury or material damage claim. This could be the case for example if there is a loss of income due to personal injury.

The whole staff that acts in the name or by order of your company is insured through the liability insurance. The determining condition is that these persons carry out business activities on behalf of the company.

The liability insurance cover is in generally limited to the territory of Spain (including the Balearic and Canary Islands).