Insurance for business premises and offices
Tailored to your needs
What coverages are possible with the insurance for business premises and offices?
- What coverages can be included in a multi-risk insurance policy for businesses?
- These policies are very comprehensive and flexible, as they must be adapted to a variety of businesses of different types, sizes and characteristics.
- Inventory insurance
- Furniture, industrial equipment and goods specific to your activity. Goods of special value that form part of the decorative furnishings of offices
- Fire, lightning, atmospheric phenomena such as wind, rain, hail and snow
- Explosions or implosions and smoke damage, as well as flooding and electrical damage
- Breakage of glass and mirrors
- Burglary, theft and vandalism
- Temporary rental of premises
- Damage due to failure of fire extinguishing systems
- Sound waves
- Theft
- Replacement of documents, drawings, samples, designs and matrices
- Coverage for transport of goods
- Costs for the expert
- Damage to refrigerated goods: If you are in the catering trade, damage or loss of products in cold stores due to power cuts are covered
- Breakdown of IT equipment (computers, printers, etc.)
- Machinery breakdown: if the equipment breaks down or is damaged, affecting the development of your activity
- Building insurance
- The building is insurable, regardless of whether the business premises are rented or owned
- Fire, lightning, atmospheric phenomena such as wind, rain, hail and snow
- Explosions or implosions and smoke damage, as well as flooding and damage to electrical installations
- Acts of vandalism
- Breakage of glass, windows, mirrors and sanitary objects
- Temporary rental of premises
- Aesthetic restoration of the building
- Collision of land vehicles
- Failure of fire extinguishing systems
- Sound waves
- Theft
- Replacement of documents, drawings, samples, designs and matrices
- Costs for the expert
- Demolition, salvage and other costs arising from an incident
- Excessive water consumption
- Replacement of keys due to theft or loss
- Breakage of glass-ceramic and solar panels
- Civil liability insurance
- Civil liability for the operation of the company
- Personal damage to third parties (customers, suppliers, delivery drivers) if they stumble, are injured or suffer damage to your premises
- Material damage to third parties
- Financial losses of third parties due to personal injury or damage to property
- Product liability, as well as for work carried out outside the premises
- Product liability: covers damage that may be caused by the products you sell in your business (food or other products)
- Liability for outdoor work: If you carry out supplies or services at home.
- Employer’s liability
- Covers damage caused by your employees
- Product liability: covers damage that may be caused by the products you sell in your business (food or other products)
- Business interruption insurance
- Abrupt cessation of business activity as a result of an incident covered by the policy
- Your insurer will compensate you for each day that your business is closed due to a claim.
- Abrupt cessation of business activity as a result of an incident covered by the policy
- Legal defence insurance for companies
- Legal disputes
- Legal protection for entrepreneurs
- Legal protection of property
- Legal protection of contracts
- Legal protection of public authorities
- Legal protection of rental and/or traffic
- Legal disputes
Like home insurance, this insurance distinguishes between two types of insured goods:
- Building, which includes the structure of the premises and the fixed elements, both the utilities (water, gas, electricity, refrigeration…) permanently integrated in the structure and the signs, posters or decorative elements (paint, wood, carpet…) permanently installed. This section may be insured by the owner of the premises or by the tenant if so agreed, or by the tenant only in the part corresponding to the refurbishment works carried out therein.
- The contents include the complete inventory and include furniture, machinery, computer and electrical equipment, documents, business products or money.
Business interruption insurance
Another important option for commercial insurance isbusiness interruption insurance.
This protects you against financial losses caused by business interruption. The insurance pays for ongoing expenses, such as wages and rent, and loss of income.
Liability insurance
Another aspect to consider is liability, which is covered by the commercial policy. This liability covers personal injury to third parties, such as customers or even suppliers. For example, if they stumble on your premises, are injured or suffer damage, as well as property damage to third parties and financial losses to third parties as a result of personal injury or property damage.
However, civil liability has nothing to do with professional liability and is often confused with it. If a client of a hairdressing salon were to suffer damage as a result of the activities carried out, whether on the premises or even off the premises, he or she would not be covered by civil liability. It is therefore very important that the professionals themselves include professional liability in the policy.
With Bohemia Mallorca you will always find the product that best suits your needs and benefit from our unparalleled customer service. And all over Spain.
Business & Commercial insurance
Business or commercial insurance is a special multi-risk insurance for small and medium-sized companies in Spain that provides comprehensive coverage for all risks that may affect the activity and operation of the company at some point in time. It provides support in case of direct physical, material and financial losses, and preserves the stability and continuity of the company.
It provides support in case of direct physical, material and financial losses, and preserves the stability and continuity of the company.
