Business insurance for stores and commercial businesses in Spain
Your business always protected.
Running a store in Spain requires commitment and passion. You take care of your customers, your stock and your team. But one incident - a fire in the stockroom, a storm that damages your window display or a theft after closing time - can have major consequences. With the commercial business insurance you are prepared. Your business, your stock and your customer relationships are in safe hands.
Your shop window and stock protected
The insurance covers damages that most often affect retailers:
- Fire, explosion or lightning strike
- Storm, flood, smoke or vandalism
- Water damage, including leak detection and repair
- Glass breakage and damage to windows, signs or plumbing fixtures
- Damage caused by electricity to facilities or refrigeration
Security around burglary and customers
Your store is more than premises - it is inventory, inventory and responsibility to your customers. That's why coverage includes:
- Liability to third parties, including damages by personnel
- Theft or robbery of stock and inventory
- Damage to the property in case of (attempted) burglary
Terms tailored to your store
Every commercial business is different. That's why you choose flexible terms that fit your reality:
- Coverage in Spain and Andorra, and in the EU at fairs or exhibitions
Doing business with confidence
Do you have any questions? Here are the answers
Who is this business insurance for?
For shopkeepers, self-employed and commercial businesses in Spain who want to protect their premises, stock, inventory and customer relationships.
What claims are covered by default?
Among other things fire, explosion, storm, water damage, vandalism, glass breakage and damage caused by electricity to plants or refrigeration.
Is liability to customers included?
Yes. You are insured when a customer or third party injury or damage in your store or through your activities.
Can I insure loss of stock after fire or theft?
Yes Your stock and inventory Are insured against fire, burglary or robbery.
Are glass areas and storefronts also covered?
Yes. The policy covers glass breakage and damage to storefronts, windows, signs and plumbing fixtures.
What happens when a burglary or attempted burglary occurs?
The insurance will reimburse the stolen goods and the damage to doors, windows and locks.
Does the coverage only apply in Spain?
The policy applies in Spain and Andorra and can be extended to the EU for fairs or exhibitions.
Are refrigerators and freezers also co-insured?
Yes. Damage caused by electricity to refrigerators and freezers is covered, which is crucial for nutrition issues.
What about damages caused by personnel?
Liability insurance also covers damage or errors caused by employees while working.
Can I flexibly adjust the value of my stock?
Yes. The policy allows the insured capital to be tailored to the actual value of your stock, so you are never under- or over-insured.
How do I report a claim as an expat entrepreneur?
You call or email GrupoXandra directly. We take care of the full claims handling in your language, without having to delve into Spanish procedures.
Are there options for theft outside the store, such as transportation?
Yes. You can choose additional coverage for theft of goods during transport or delivery, depending on your activities.
How is the premium calculated?
The premium depends on the location of your store, the value of the property and stock, the security measures and the coverage package chosen.
In what languages do I receive explanations and guidance?
The official policy documents are available in Spanish and often in English as well. GrupoXandra additionally guides you in Dutch, English, German, French and Spanish.
What makes this insurance indispensable for shopkeepers in Spain?
Because retailers often face theft, damage to storefronts and liability to customers. With this insurance, you know that your business remains financially protected and you can conduct business with confidence.