Business and Commerce Insurance

Every business is different: protect yours to fit

Empresas Comercio is tailored multi-risk cover for your premises, stock and activity: neighbourhood shop, hospitality, office, workshop or SME. A hair salon isn’t the same as a bar with a walk-in fridge or an office full of equipment, and it shows here.

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Personal advice · Same-day response · No extra cost for advice

How I work with you

✓ Base cover + optionals based on your activity
✓ 24h assistance and new-for-old value
✓ Advice never costs you more

What’s included

A solid base, plus whatever your business needs added.

Fire, explosion and lightning strike, smoke damage, vandalism and weather events, with 24h assistance and new-for-old value for buildings and contents. Plus, à la carte, whatever your activity requires.

Fire and basic damage

Fire, explosion, lightning strike and other material damage to your premises’ buildings and contents.

Theft and business liability

Theft and robbery of contents and takings, plus liability, legal defence and bonds.

Cold storage and stock

Deterioration of goods in refrigerated units and breakage of windows, shop fronts and signs.

Equipment and machinery

Machinery breakdown, damage to computers and equipment, and goods in transit.

Exclusions include intentional or fraudulent damage, fines and penalties, and pre-existing damage or lack of maintenance, among others. Full details on cover, limits and exclusions are in the General Conditions, which I explain before you take out the policy.

Who it’s for

For anyone with a business with premises, stock or equipment.

Owners of shops, premises, offices, workshops, hospitality businesses and SMEs who want to protect their premises, stock and activity: from the neighbourhood shop to the business with a walk-in fridge or IT equipment.

How we work

Your Empresas Comercio, in three steps.

No jargon, no upfront commitment.

Tell me about your business

What type of business you have, floor area, and whether you rent or own the premises.

We adjust the cover

Base plus optionals based on what your activity really needs.

You decide, calmly

No pressure, and no overpaying for cover you don’t use.

These are often combined into a single protection.

RC General

The liability insurance you’re required to have to work, properly sized to your activity.

Discover the policy

See Business and Commerce

Discover both options and choose the one that fits you best.

See all options

Micol Astorri

Insurance advisor

Why work with me

Why take out your Empresas Comercio with me.

I adjust the policy to your real activity, not a generic template. I explain buildings, contents and the optionals you really need, so you don’t discover a gap the day something goes wrong.

✓ I adjust the policy to your real business
✓ I explain buildings and contents clearly
✓ Advice never costs you more
✓ From Elche (Alicante), serving clients across Spain

"She’s someone who is there when you need her. She saved me a lot of money on my insurance. Always attentive. 100% recommended."

★★★★★

Carola Asquini · Client

Registered with the Insurance Distributors Register (DGSFP) no. C0133X4340072H

About me

Frequently asked questions

Before you write to me.

The questions I get asked most. If yours isn’t here, write to me and I’ll answer personally.

What are "buildings" and "contents"?

Buildings is the structure and fittings of the premises; contents is everything inside (furniture, stock, machinery). You can insure one, the other, or both.

Does it cover if I’m robbed in the shop?

Yes, with the theft and robbery cover (contents and takings).

I have a walk-in fridge, does it cover spoiled stock if it breaks down?

Yes, with the deterioration of goods in refrigerated units cover.

If I close due to a claim, does it cover my lost income?

Loss of profits/business interruption cover can be included. We assess it based on your business.

Can I choose only the cover I need?

Yes: you start with a base and add optionals based on your activity.

What about the business’s liability?

It can go inside this multi-risk policy or as a separate policy (RC General).

What happens if I have a shop window and it gets broken?

The broken glass and shop windows cover deals with this type of damage, including glass, signage, marble fittings and sanitary fittings on the business premises.

Does it cover smoke damage from a nearby fire?

Yes, smoke damage is included among the multi-risk policy’s basic cover, even if the fire didn’t start inside your own premises.

What happens if a customer slips inside my shop?

That type of claim falls under the business’s liability, which can be integrated into this multi-risk policy or taken out separately (RC General). See RC General

Can I insure seasonal stock at different values depending on the time of year?

Yes, the sum insured for stock can be adjusted to the period of highest stock (for example, campaigns or peak season), so the insurance reflects the real value of your goods.

What happens if a fault in the electrical installation causes a fire?

Damage from fire, explosion and lightning strike is among the multi-risk policy’s basic cover, whatever the specific origin, except for specific exclusions in the policy wording.

Does it cover vandalism to the premises’ façade?

Yes, damage from acts of vandalism is included among the multi-risk policy’s basic material damage cover.

What happens if I transport goods between my warehouse and the shop?

It can be included through the optional transport of goods cover, designed for businesses that move stock between different locations.

Do I need to declare the exact value of my stock?

Yes, it’s worth declaring a sum insured that matches the real value of your stock to avoid being underinsured; I’ll help you work it out properly.

What happens if I have hospitality machinery — is it included in the policy?

Yes, through the optional machinery breakdown cover, designed precisely for equipment such as kitchen appliances, refrigerated units or air conditioning in a hospitality business.

Does it cover damage to my IT equipment from a power surge?

Yes, with the optional computer and IT equipment damage cover, which includes this type of electrical incident under the conditions.

What excess does this insurance have?

It depends on the cover and the capital taken out; I’ll detail the exact excess for each cover in the precontractual documentation before you sign anything.

Can I insure premises undergoing building work or renovation?

It’s possible, but it’s worth declaring the building work situation to adjust the policy to that temporary risk; let me know before starting the renovation.

What happens if my business has several floors or a basement?

The layout of the premises is declared when taking out the policy so it properly reflects the real risk, including basements, mezzanines or upper floors.

How is the price determined based on my activity?

Your activity, the floor area, the sum insured for contents and buildings, and the optional cover you choose all play a part; I’ll prepare a quote tailored to your specific case.

Let’s start

Tell me about your business and let’s adjust your protection.

A 5-minute call is enough to know what you need. No obligation, and advice never costs you more.

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