As a self-employed person or professional, you enjoy freedom and independence. But with that freedom also comes responsibility. What if a mistake in your advice or work causes damage to a client? Or if you lose documents and a claim follows? Such situations can threaten not only your reputation, but also your financial future. With our professional liability insurance you work with confidence, knowing that one mistake will not kill you.
When do you need this?
- If a mistake or negligence causes financial loss to a customer.
- If an employee or subcontractor makes a mistake for which you are held liable.
- If a conflict arises around loss of documents or data protection.
Suppose you deliver a report with an error that costs the customer money. Or a hard drive containing sensitive data gets lost. Thanks to this insurance, the costs and legal consequences are taken care of for you.
What makes this insurance valuable?
- Your work protected: errors, mistakes and omissions covered.
- Legal support: you are never alone in claims or litigation.
- Valid coverage throughout the EU: ideal for those working internationally.
- Flexible: tailored to your profession and easy to manage.
Focus on your craft, we do the rest
You want to spend your time on your clients and your expertise, not on legal concerns. With GrupoXandra, you know that your interests will be defended and that one misstep does not mean the end.
Request your free quote to and discover how easy it is to perform your work properly protected.
Do you have any questions? Here are the answers
What is the difference between professional liability and ordinary liability?
A liability insurance covers physical and property damage to third parties. A professional liability insurance correctly covers financial loss caused by errors, mistakes or negligence in your work or advice.
For whom is this insurance mandatory in Spain?
For certain professions such as lawyers, architects, doctors and engineers professional liability insurance is required by law. For other professionals, it is highly recommended.
What errors are insured by default?
Among other things errors in advice, breach of contract through negligence, loss of documents, errors by employees or subcontractors and breach of confidentiality.
Are claims around data protection (GDPR) also covered?
Yes. The insurance can provide coverage for loss of data or violation of privacy rules, which is crucial for many businesses and freelancers.
Am I insured if a subcontractor makes a mistake?
Yes. You remain liable for work performed under your name. The insurance also covers errors of subcontractors, unless otherwise noted.
Does the coverage only apply in Spain?
No. This policy is valid in entire EU, and often beyond when you work internationally or have customers in other countries.
How high can a claim go?
Claims can be as high as hundreds of thousands or millions of euros, depending on the sector. Therefore, it is important to choose an appropriate sum insured.
Are legal fees included?
Yes. Attorney, court and expert fees in the event of a claim are included in the coverage.
Can I choose my own insured amount?
Yes. You choose the capital depending on your sector and risks. For international assignments or larger clients, often higher limits required.
Are reputation damage or PR costs also included?
More and more policies are providing coverage for PR and communications services To limit reputational damage after a claim.
How does coverage work for digital professions, such as IT consultants or marketers?
Also IT errors, software problems or wrong advice that cause financial loss to customers may be insured.
Is fraud or intent also covered?
No. Fraud, intentional misconduct or illegal activities are excluded. Only unintentional errors and omissions are insured.
How soon can I take out the insurance?
After approval of your application and risk assessment, coverage can usually within days starting.
In what languages will I receive the policy and guidance?
The official policy documents are available in Spanish and often in English as well. GrupoXandra additionally offers service in Dutch, English, German, French and Spanish.
Why do expats choose GrupoXandra for professional liability?
Because we Guiding expatriates through the complexities of Spanish legislation, and ensure that you are not only insured, but also understand where you stand in your own language. So you can focus on your business with confidence.