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.
- ✓ Base cover + optionals based on your activity
- ✓ 24h assistance and new-for-old value
- ✓ Advice never costs you more
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.
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.
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.
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
Registered with the Insurance Distributors Register (DGSFP) no. C0133X4340072H
About me →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"? +
Does it cover if I’m robbed in the shop? +
I have a walk-in fridge, does it cover spoiled stock if it breaks down? +
If I close due to a claim, does it cover my lost income? +
Can I choose only the cover I need? +
What about the business’s liability? +
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.