Commercial insurance

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What is business insurance and why do you need it?

Business insurance is an essential protection for business establishments and self-employed people. This type of insurance offers peace of mind by covering a wide range of risks that may arise in your business premises, or risks that your activity may generate, whether you are the owner of the establishment or a tenant.

What does business insurance cover?

The coverages of a business insurance policy may vary depending on the activity of the business. For example, a business insurance policy for a fruit shop will not be the same as one for a law firm. To give you an idea, you can insure the damage that your activity may cause to third parties through civil liability, the immobilisation of the premises, the goods, theft, electrical damage, water damage, fire, etc.

How to choose the right business insurance for your business?

To determine what type of business insurance you need, the first thing to consider is the type of business and the associated risks. Do you have goods that need to be insured? Do you need to insure against theft? Are you the owner of the premises? Depending on the answers to these questions, you may choose to insure only the contents of the premises, if you own them, and save on the building coverage. It is best to have a conversation with your insurance agent and choose the coverages you need.

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Preguntas frecuentes

This depends on many factors, but to give you an idea, a cheap insurance for a local greengrocer’s shop can start at around 150 euros per year. The price of business insurance depends on many factors such as the business premises, the activity, the merchandise, the furniture, etc. This makes it very difficult to give a price without knowing the company.
Contrary to what many might think, it is not compulsory to have trade insurance to run a business. However, it is highly recommended to have one to protect your assets and cover possible damages that your business may cause. Although it is not mandatory to have business insurance, it is mandatory to have liability insurance. This insurance covers damages that you may cause to third parties in the course of your business. This civil liability insurance is a basic guarantee included in our business insurance. In the case of mortgaged business premises, the owner is obliged to insure the premises against damage, as the premises are collateral for the mortgage itself. It is important to keep these details in mind when considering your business insurance needs.

In general, the answer is yes. At Futurseguros, we offer insurance solutions for almost any type of risk. Here are some examples of the types of business we can insure:

  • Insurance for bars and restaurants
  • Insurance for shops
  • Insurance for hotels and similar
  • Insurance for offices
  • Insurance for medical practices
  • Insurance for storerooms and similar

Each type of business has its own unique characteristics and risks, so each insurance policy is customised. Contact us and we will help you design a tailor-made insurance policy for your business.

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