Commercial Insurance & Third Party Liability

Commercial Insurance & Third Party Liability

As an expat, you first need to know that business and public liability insurance policy is essential for any company in Spain, regardless of size or industry.

verisure
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Verisure Alarm system from Securitas Direct

Triple protection for your home or business

Exclusively, Iberia Insurance Brokers now offers its customers a 50% discount on Securitas Direct alarm systems.
You will also receive a sentinel. This newly developed device monitors the parameters such as room temperature, humidity or air quality and automatically sends an emergency call to the control center in the event of a critical situation.
You will also benefit from the service being in your native language (German, Spanish, English and Swedish).

Securitas Direct not only guarantees you the most innovative products in the security industry. You also receive an all-round protection with a security flat rate.
In this way, you receive the best possible protection without hidden costs.
The security flat rate includes a maintenance service by trained technicians, sabotage protection in the event of damage to the telephone and power lines, a 24-hour emergency and service control center, as well as cooperation with the police, fire brigade and rescue services. Use this service and request - today - a free and non-binding appointment for your personal security plan.
Find out now how Securitas Direct can best protect your home!

Securitas Direct: The most frequently recommended alarm system for private households - with more than 30 years of experience in the field of security across Spain.

Verisure alarm services - at a glance


Reaction within 29 seconds
Our agents in the emergency call and service control center respond to an alarm message within 29 seconds.

Alarming police and security services
As soon as an emergency or burglary has been verified by our agents, we immediately dispatch our security personnel and notify the police, fire brigade or rescue service.
Perfect protection against squatters.

Technical Support 24/7
Our technical support is available around the clock. From battery replacement to product replacement to the dispatch of a trained technician, everything is included.

SOS function for emergencies
The night switch enables you to immediately request help in any emergency situation and to contact our alarm receiving center. You are not on your own!

No matter where – you have full control at any time
With the Verisure App you control and monitor your alarm system comfortably from your smartphone / tablet - no matter where you are in the world.

Lifetime warranty and maintenance
All products in our safety system have a lifetime warranty and you benefit from perfect maintenance (100% included) by our trained technicians.

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It covers you when it comes to personal injury, property damage, legal claims, or financial losses. Whether someone gets hurt on your premises or you accidentally cause damage to a third party, your insurance steps in to handle the costs and legal fees.

Why is it important?
Even small accidents can lead to big financial consequences. With tailored liability insurance, you protect your specific type of business and risks it faces. There´s a lot to be said for having the peace of mind to focus on running your business and growing its success. We will help you to find the most appropriate cover at the best rates, all in your language. We make this process as smooth as possible.

Why choose us

1. Special rates through our partnerships with top insurers.

2. Flexible and customized solutions that comprehensively protect your business.

3. Free advice in English – independent and tailored to your needs.

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Details about the property
Do you want a building insurance?
Do you want a public liability?
Object
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?
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What benefits does our business and public liability insurance cover?

  • Personal damages
  • Property damage (repair or replacement costs)
  • Property damage as a result of personal injury or property damage

serviceplus, more than just standard

At Iberia insurance brokers customers receive an Iberia Service+. But what does that mean? It’s very simple, our customers are worth a lot to us, and so we want to offer our customers more service through the standard insurance service. Service for which no one of our customers has to pay extra or has to conclude an extra contract – just our service for you.

  • Selection of insurance from more than 10 different insurance companies
  • 24/7 hotline – free – Spain wide
  • personal consultation for the customer on spot
  • Cost-benefit analysis of the pension schemes with optimization suggestions
  • Advice in your language

Frequently asked questions about business and public liability insurance:

Business liability insurance protects you when something unexpected happens – like if someone gets hurt at your business or you accidentally damage someone’s property. Its is compulsory for most professionals and a smart way to avoid hefty costs that could come from accidents or legal claims.

For most businesses incouding those that are open to the public, or contract people (as employees or freelancers) then liability insurance is essential. Whether you run a small café, a tech startup, or a larger company, no matter how big or small, you will face some level of risk that professional liability insurance protects against. For high-risk industries like construction or healthcare, it’s even more important. But any business that deals with customers, clients, or the public should have this coverage.

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).

It covers you when something goes wrong – like if a customer slips in your store, or you accidentally damage a client’s property while working. It also covers legal fees if someone takes you to court. Essentially, it takes care of costs for things that could happen in the course of running your business, helping you avoid financial headaches.

In most cases, no, it’s not mandatory. But some industries, like construction or certain professional services, may require it. Even if it’s not legally required for your business, having this coverage gives you peace of mind that you’re protected if something goes wrong.

Yes, definitely! Every business is unique, and your insurance should reflect that. Whether you’re in retail, hospitality, or a specialized profession, we work with insurers to customize coverage to meet the specific needs and risks of your business. That way, you’re not paying for anything you don’t need.

When choosing the insurance sum for the liability insurance policy, the biggest possible claim should be taken as your benchmark. Especially in the case of personal injury, a sufficient insurance sum is crucial.

Depending on the type of claim, the indemnity amount can be very high. Therefore, it is important to find an adequate insurance limit, when taking out the insurance policy.

The cost depends on your business size, the type of work you do, and how much coverage you want. But don’t worry, we’ll work with you to find a plan that fits your budget while making sure you’re fully protected. It’s all about finding the right balance between affordability and security.

If a claim is made, your insurance kicks in to cover legal fees, any compensation owed, and other related costs – up to the policy’s limit. This means you can focus on running your business without the fear of a claim financially hurting your operations.

Absolutely. As your business evolves, so should your insurance. Whether you’re hiring more employees, expanding your services, or opening new locations, your coverage can grow with you. We’ll help make sure you’re always fully covered.

We can usually get your policy up and running quite quickly. Once we understand your business and its risks, we’ll help you set up the right coverage fast, so you can get back to focusing on what you do best – running your business.

Business liability insurance covers general risks, like accidents or property damage. Professional liability insurance, on the other hand, protects you if a client claims you made a mistake or were negligent in the service you provided. Depending on your business, you might need both – and we can help you figure out what’s right for you!

Personal advice

Seek advice? Get now direct and non-binding advice.
Just leave us your e-mail address or telephone number and we will get back to you as soon as possible.

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Get the best policies and rates here.

Iberia Insurance Broker reviews your existing insurance policies and provides you with comparative offers from various insurers including Allianz, Liberty, Zurich, DKV, and many more. With our headquarters in Mallorca and specialists throughout Spain, we are always on hand to offer you advice that saves you money.

We speak your language:
+34 971 69 90 96 - Telephone
+34 900 525 890 - free hotline 24/7
info@iberiainsurancebrokers.co.uk

Denise Latocha

Denise Latocha

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As an insurance broker of your trust, we offer a wide range of complementary insurance policies to provide you with comprehensive insurance cover.

1 Step 1

Verisure Alarm system from Securitas Direct

Triple protection for your home or business

Exclusively, Iberia Insurance Brokers now offers its customers a 50% discount on Securitas Direct alarm systems.
You will also receive a sentinel. This newly developed device monitors the parameters such as room temperature, humidity or air quality and automatically sends an emergency call to the control center in the event of a critical situation.
You will also benefit from the service being in your native language (German, Spanish, English and Swedish).

Securitas Direct not only guarantees you the most innovative products in the security industry. You also receive an all-round protection with a security flat rate.
In this way, you receive the best possible protection without hidden costs.
The security flat rate includes a maintenance service by trained technicians, sabotage protection in the event of damage to the telephone and power lines, a 24-hour emergency and service control center, as well as cooperation with the police, fire brigade and rescue services. Use this service and request - today - a free and non-binding appointment for your personal security plan.
Find out now how Securitas Direct can best protect your home!

Securitas Direct: The most frequently recommended alarm system for private households - with more than 30 years of experience in the field of security across Spain.

Verisure alarm services - at a glance


Reaction within 29 seconds
Our agents in the emergency call and service control center respond to an alarm message within 29 seconds.

Alarming police and security services
As soon as an emergency or burglary has been verified by our agents, we immediately dispatch our security personnel and notify the police, fire brigade or rescue service.
Perfect protection against squatters.

Technical Support 24/7
Our technical support is available around the clock. From battery replacement to product replacement to the dispatch of a trained technician, everything is included.

SOS function for emergencies
The night switch enables you to immediately request help in any emergency situation and to contact our alarm receiving center. You are not on your own!

No matter where – you have full control at any time
With the Verisure App you control and monitor your alarm system comfortably from your smartphone / tablet - no matter where you are in the world.

Lifetime warranty and maintenance
All products in our safety system have a lifetime warranty and you benefit from perfect maintenance (100% included) by our trained technicians.

Privacy Policy
A lot is going on in the insurance industry right now.
reCaptcha v3
keyboard_arrow_leftPrevious
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You have the choice

Optimally insured by one of our partners

Mapfre
DKV Logo
caser seguros
Ergo
Cigna
Berkley
Liberty
Allianz
lloyd's
Arag
Mutua
PlusUltra
Bavaria
Sanitas
Zurich
Ideal

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My personal advice
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All form data will be transmitted encrypted and processed internally confidentially by us.