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Business and Commerce Insurance

Protect what puts food on your table, tailored to your business

A claim in your business isn’t just the material damage: it’s closing for days, losing sales and customers. I offer multi-risk cover for your premises and activity, and the liability insurance you’re often required to have to work. I’ll help you choose without overpaying.

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Personal advice · Same-day response · No extra cost for advice
How I work with you
  • ✓ I adjust cover to your real activity
  • ✓ I get you the liability cover you’re required to have
  • ✓ Advice never costs you more
Choose your protection

Two ways to protect your business.

Each designed for a different need. They’re often combined into a single policy.

Empresas Comercio

Tailored multi-risk cover for your premises, stock and activity: shop, office, workshop or SME.

Discover the policy

RC General

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

Discover the policy

See all insurance

I handle more policies besides these. Check the full catalogue or ask me directly about yours.

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How we work

Your business protection, in three steps.

No jargon, no upfront commitment.

1

Tell me your activity

Neighbourhood shop, hospitality, office, workshop or self-employed with premises: every business is different.

2

I guide you towards your cover

Multi-risk, liability, or both, depending on what you really need.

3

You decide, calmly

No pressure, and cover adjusted to your real activity.

MA
Micol Astorri
Insurance advisor
Why work with me

Why protect your business with me.

A hair salon isn’t the same as a bar with a walk-in fridge or an office full of equipment. I adjust cover to your real activity, so you don’t overpay or discover a gap the day something goes wrong.

  • ✓ I adjust the policy to your real activity
  • ✓ I explain buildings, contents and liability clearly
  • ✓ Advice never costs you more
  • ✓ From Elche (Alicante), serving clients across Spain
"The in-person service was outstanding: very attentive and understanding of my needs. She helped me avoid unnecessary, duplicate expenses. Highly recommended."
David M. · 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’s the difference between Empresas Comercio and RC General?
Empresas Comercio is the multi-risk cover for your premises and activity (fire, theft, damage); RC General covers damage you cause to third parties. They can go together or separately.
Which one do I need if a client requires it to work with me?
If you’re required to have liability insurance for a contract or licence, that’s RC General. If you want to protect your premises and stock, that’s Empresas Comercio.
Can I have both in a single policy?
Yes, liability can be integrated into the Empresas Comercio multi-risk policy or taken out separately, whichever suits you.
Does it work for any type of business?
It’s adjusted for shops, offices, workshops, hospitality and SMEs in general. Each activity has its own specific cover.
How is the price calculated?
It depends on your activity, floor area and the cover you choose. I’ll prepare a quote tailored to your case.
What happens if I have several premises or sites?
Each premises can be insured under its own policy, or we can look at joint conditions depending on your activity; I’ll put together whichever approach best fits your business.
Does the multi-risk policy cover machinery and IT equipment?
Yes, through the optional machinery breakdown and computer and IT equipment damage cover, added based on what your business has.
What happens if my business doesn’t have its own premises and I work from home?
If your activity doesn’t need business premises, a standalone RC General policy may suit you better than a full multi-risk policy; we’ll assess it based on your case.
Can I insure only the contents without the buildings?
Yes, if you don’t own the premises (for example, if you rent them) you can insure only the contents: furniture, stock and machinery.
If I rent the premises, who should insure what?
Usually the owner insures the buildings (the structure) and you, as the tenant running the business, insure the contents and your liability; I’ll explain the exact line based on your lease.
Does it cover water damage in a shop?
Yes, through the optional water-damage cover, added based on the installations and risk of your premises.
What type of businesses usually need this insurance?
Local shops, hospitality, offices, workshops, hairdressers and small businesses with premises, among others: any business with buildings, contents or an activity to protect.
Can I add cover later if my activity changes?
Yes, the multi-risk policy adjusts over time: if your business grows or changes activity, we review together which cover it makes sense to add or amend.
If I have employees, do I need anything else besides the multi-risk policy?
Employer’s liability (for damage to workers) can be included as a liability modality; I’ll confirm whether it suits you integrated into the multi-risk policy or as a separate policy.
Does it cover the loss of stock in a walk-in fridge?
Yes, with the optional deterioration of goods in refrigerated units cover, designed for hospitality and food businesses.
What happens if I’m robbed outside business hours?
The theft and robbery cover protects the contents and takings whatever time the claim happens, within the conditions taken out.
Do I need a different policy if I have an office rather than a shop?
No, the same multi-risk policy adapts to offices, adjusting the cover (for example, more weight on IT equipment and less on shop windows or refrigerated units).
How do I know which cover I actually need for my business?
With a conversation about your activity, your premises and your specific risks, I’ll guide you towards the combination of cover you genuinely need, without paying for more than that.
What happens if I close the business temporarily — can I pause the policy?
It depends on your policy’s conditions; for extended closures it’s best to let me know so we can look at adjustments, since empty premises can have different conditions.
Does it cover damage during renovation work on the premises?
It depends on the scope of the work and whether it’s been declared on the policy; let me know before starting major building work so we can adjust the cover to that temporary situation.
Let’s start

Tell me about your business and let’s prepare 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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