Wide coverage¹

Protect your business's property against damage.

Damage to third parties

Provides insurance coverage against possible damage to third parties.

 

Flexibility

Choose the subscription option depending on your type of company.

Buildings and content

Includes the protection of assets such as your company's premises and contents.

 

PURPOSE OF THE INSURANCE

 

An insurance policy that covers the risks where industrial activities are carried out or other activities for any type of process, handling or storage.

 

BASIC COVERAGE

  • Fire, explosions and lightning.
  • Extinguishing, salvage, demolition and debris expenses.
  • Costs to replace files, forms and models.
  • Damage to temporarily displaced assets.
  • Damage to third-party assets (subject to inclusion of capital).
  • Costs for surveillance, reconstruction of gardens, professional fees, permits and/or licences.
  • Costs for temporary inhabitability.
  • Loss of rent.
  • Coverage extension.
  • Civil Liability for Operations, Employers and Real Estate.
  • Breakages.

 

OPTIONAL COVERAGES among others:

  • Electricity damage.
  • Premises Liability, Off-site Work Liability and Product Liability.
  • Theft and robbery.
  • Loss of profits.
  • All risks of material damage.
  • Breakdown of machinery.

 

PURPOSE OF THE INSURANCE

  • Provide coverage for damage to insured property, regardless of whether it is real property, furniture, machinery, electronic equipment or stock. Compensation and defence costs for the damage caused to third parties that is attributable to the insured party are also covered.

 

COVERAGE (Depending on the option chosen), among other things:

  • Fire and other damage.
  • Miscellaneous risks.
  • Water damage.
  • Assistance.
  • Legal protection.
  • Civil liability.
  • Bricomercio.
  • Theft and robbery.
  • Breakages.
  • Cosmetic damage.
  • Electricity damage.
  • Breakdown of machinery.
  • Daily loss of profits.
  • Graffiti removal.
  • Non-damage pipe repair and unclogging.
  • ClimaCaser (optional).
  • Optional coverages tailored to the specific business and its activities.

Frequently asked questions about Seguros Daños Pyme y Comercio

This insurance is designed for small and medium-sized enterprises that perform industrial or retail trade activities in Spain like workshops, wineries, olive oil mills, dealerships or tourist establishments.

It offers protection against fire, explosions, theft, electrical damage, breakage of glass, machinery breakdowns, loss of profits, third-party liability, and legal assistance, to mention but a few. 

In that case, coverage for refurbishment works can be included and third-party liability can be taken out to protect the investment made in refurbishing the premises. 

One can choose between fixed or progressive excesses, which are applied according to the number of claims made. For example, the second claim has an excess of €150, the third of €300 and so on. 

It is a very complete insurance that allows you to have everything covered by just one policy which is tailored to each business's reality. It additionally includes digital protection and specific coverage for teleworking and environmental pollution.

 

Do you want to take out the damage insurance for your SME or store? You can do so at any Unicaja Banco branch, where we will offer you personalised service.


You can also initiate the process by filling in application form and selecting the branch where you would prefer your application to be processed.


If you need any further information or have any doubts, get in touch with us by calling  +34 952 07 62 24.

Easy-to-read small print:

(1) Product coverage according to the General and Special Policy conditions. Insurance taken out with CASER, Compañía de Seguros y Reaseguros, S.A. through Unicaja Mediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers held by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the Unicaja Banco, S.A. network. Third-party liability insurance taken out according to prevailing legislation. You can view the insurance companies Unicaja Mediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros.

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