Doing business in Spain is exciting and challenging. You work with customers, suppliers and perhaps staff. But what if something goes wrong? A customer slipping in your business, a product causing damage or an employee making a mistake. Such situations can lead to high claims. With our liability insurance you are protected and not alone.
When will this insurance help you?
- If someone suffers damage or injury in your business or yard.
- If a delivered product or service causes problems to third parties.
- In accidents involving your staff for which you are held liable.
- For errors or mistakes made by yourself or your team.
Suppose a customer slips in your store and breaks an arm. Or a leak during a renovation causes damage to your neighbors. Thanks to this insurance, the costs and legal settlement are taken care of for you.
Why do entrepreneurs choose this?
- Peace and security: you don't have to worry about high claims.
- Legal support: specialists defend your interests.
- Broad coverage: from liability in your case to problems with products or works performed.
- Flexible: tailored to your activity, large or small.
Doing business without worries
A single accident can quickly become a major problem. With GrupoXandra's liability insurance, you can continue working on your case with confidence, while we provide the protection.
Request your free quote to and discover how easy business can be with the right insurance.
Do you have any questions? Here are the answers
Who is this insurance for?
For entrepreneurs, the self-employed and SMEs at risk of damage claims by customers, suppliers or third parties.
What situations are covered by default?
Damage or injury to third parties in your business, problems caused by products or services provided, and errors or negligence by you or your staff.
Is staff liability also insured?
Yes. You are covered for errors or accidents caused by employees during their work.
Does the coverage apply outside my business location?
Yes. Also liability during Working at clients, trade shows or events is covered.
Are products I supply also insured?
Yes. The policy covers product liability: damage caused by products or materials you supply or install.
How high is the coverage for claims?
You choose the amount insured. It often involves €300,000 to several million euros, depending on your activity.
Are legal fees included?
Yes. The insurance reimburses attorney, court and expert fees in claims.
Can the insurance be adapted to my sector?
Yes. Coverage will be tailored on your activity: hospitality, construction, retail, consulting, etc.
Is employer liability also included?
Yes. The policy provides coverage for workplace accidents or damages for which you are liable as an employer.
How do I report a claim?
You contact GrupoXandra directly. We take care of the complete handling in your own language and guide you step by step.
Is insurance mandatory for entrepreneurs in Spain?
Not for all sectors. For certain occupations (for example, in the construction or medical sector), however, it is required by law.
Does the coverage only apply in Spain?
Standard in Spain and Andorra, but expandable to international activities depending on your business.
How is the premium calculated?
The premium depends on your sector, turnover, number of employees and the sum insured chosen.
In what languages will I receive documents and service?
The official policy documents are available in Spanish and often in English as well. GrupoXandra also offers explanations and guidance in Dutch, English, German, French and Spanish.
Why do expats choose GrupoXandra for liability insurance?
Because we entrepreneurs multilingual service and clear explanations offer, and with more than 20 years of experience ensure that you do not get lost in Spanish law or procedures