Business and Commerce Insurance

Don’t let a requirement stop your work: I’ll sort it for you

RC General is the liability insurance you’re often asked to have to work: for a contract, a licence or a client. I’ll get it in place for you, with a certificate, quickly and properly sized to your activity as a self-employed professional or shop owner.

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

How I work with you

✓ I guide you on which modality you need
✓ Certificate ready when it’s requested
✓ Advice never costs you more

What’s included

Your liability to third parties, covered.

For the self-employed, professionals and shop owners who need to answer for damage their activity may cause to third parties.

Non-contractual liability

Damage caused unintentionally to third parties arising from your activity.

Payment of compensation

To those affected or their heirs, depending on the claim.

Legal defence and bonds

Defence against claims (including unfounded ones), with lawyers and legal representatives, and bonds up to the contracted limit.

Modalities based on your activity

Operations, employer’s, premises, product liability and others, adapted in the specific conditions.

Exclusions include intentional or fraudulent damage, fines and penalties, and pure contractual liability, 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 who needs liability cover in place, now.

Self-employed professionals, businesses and shops required by a client, a contract, a licence or the law to have liability cover in place; and any business that wants to cover its liability to third parties.

How we work

Your RC General, in three steps.

No jargon, no upfront commitment.

Tell me about your activity

And who requires the liability cover: a client, a contract or a licence.

I guide you to the exact modality

Operations, employer’s, premises or another, based on your case.

You have your certificate

Quickly and properly sized, so a requirement doesn’t stop your work.

These are often combined into a single protection.

Empresas Comercio

Tailored multi-risk cover for your premises, stock and 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 RC General with me.

I get you the liability cover you’re required to have, with the certificate, quickly and properly sized to your activity — and I explain which modality you really need, without overpaying.

✓ I guide you to the exact modality
✓ Quick certificate when it’s requested
✓ Advice never costs you more
✓ From Elche (Alicante), serving clients across Spain

"Micol is brilliant! She sorts everything out and explains it in real detail. An excellent professional — I recommend her 100%."

★★★★★

Silvana Farias · 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.

I’m asked for liability insurance to work, can you sort it for me?

Yes, with a valid certificate; we size it to your activity.

What exactly does it cover?

Damage you unintentionally cause to third parties in your activity: compensation, legal defence and bonds.

Can it go inside my premises insurance?

Yes, integrated into the Empresas Comercio multi-risk policy, or as a separate policy. See Empresas Comercio

Which modality do I need?

It depends on your activity (operations, employer’s, premises, products…). I guide you based on your case.

Does it cover fines?

No: fines and penalties are excluded. It covers liability to third parties.

Does it cover my employees?

Employer’s liability covers claims for damage to workers; it’s taken out as a modality. We look at it based on your team.

How long does it take to issue the liability certificate?

Once the policy is taken out, the certificate is usually available within a few days; I’ll get it to you as soon as possible if you need it for a contract, licence or client.

What happens if a client makes a claim against me for damage I think is unfair?

The policy includes legal defence against the claim, including an unfounded one, with lawyers and court representatives defending your position.

Does liability insurance cover damage to my own tools or property?

No, liability insurance covers damage you cause to third parties; your own property (tools, stock, premises) needs different cover, such as a multi-risk policy.

What’s the difference between operations liability and product liability?

Operations liability covers damage arising from your day-to-day activity; product liability covers damage caused by what you manufacture, sell or supply once it’s left your hands.

Do I need liability insurance if I work alone from home as self-employed?

It depends on your activity: if your work could cause damage to third parties (client visits, services provided elsewhere, products delivered), it’s worth having it even without premises.

What happens if I’m asked for a specific cover limit for a contract?

We adjust your policy’s indemnity limit to the amount required in the contract, licence or tender asking for it, so you can present the certificate without any issues.

Does it cover claims from years before the policy was taken out?

Generally not: it covers damage caused during the policy’s period in force, unless there are specific retroactive cover clauses agreed in the particular conditions.

Can I have liability insurance without the premises’ multi-risk policy?

Yes, you can take out RC General as a standalone policy without needing the Empresas Comercio multi-risk policy; many self-employed people and professionals do it this way.

What happens if I change professional activity?

It’s worth letting me know so I can update the modality and scope of your liability cover, since the cover is adjusted to the declared type of activity.

Does it cover damage caused by a subcontractor working for me?

It can be covered depending on the modality taken out and how the relationship with subcontractors is declared; I’ll confirm the exact scope by reviewing your activity.

What happens if I’m sued and the claim turns out to be unfounded?

The legal defence included in the policy still represents you against unfounded claims, covering the cost of lawyers and court representatives.

Do I need liability insurance to take part in a public tender?

Many public tenders require valid liability cover with a minimum limit; I’ll prepare the policy and certificate tailored to what the tender documents ask for.

What happens if I have temporary or seasonal employees?

Employer’s liability, taken out as a modality, covers claims for damage to workers, whether permanent or temporary; we’ll review it based on your team.

Can I increase the indemnity limit if a client requires it?

Yes, the cover limit can be reviewed and increased whenever you need to, for example if a new contract requires a higher amount than you currently have.

Let’s start

Tell me who’s requiring it and I’ll get it ready.

A 5-minute call is enough to get your certificate underway. No obligation, and advice never costs you more.

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