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SME and Retail Damage Insurance

INSURE YOUR SME OR SHOP AGAINST OWN AND THIRD PARTY DAMAGES

REQUEST SME AND RETAIL DAMAGE INSURANCE

Wide coverage (1)

Protect your business's commercial property or other assets against damage.

Damage to third parties

Provides insurance coverage against possible damage to third parties.

Flexibility

Choose the type of insurance according to the size of your company and the risk coverage you need.(2)

Buildings and content

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

Coverage for SMEs

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, models and master copies.
  • 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 deprivation of use or inhabitability.
  • Loss of rent.
  • Electricity damage.

 

OPTIONAL COVERAGE

  • Coverage extension.
  • Civil Liability.
  • Theft and robbery.
  • Breakages.
  • Loss of profits.
  • Breakdown of machinery, computers and electronic equipment.
  • Transportation.

Coverage for Shops

PURPOSE OF THE INSURANCE

  • Coverage for the goods included in the building: all or part of the building used for business purposes.
  • Coverage for the goods included in the contents: items and furniture necessary for the normal running of the insured activity; stock or merchandise for sale and assets owned by third parties that are located or handled in the establishment.

COVERAGE (Depends on the insurer)

  • Fire and other damage.
  • Miscellaneous risks.
  • Water damage.
  • Assistance.
  • Legal defence.
  • Civil liability.
  • Optional coverage depending on the type of business.

Contracting process

Take out the SME and Retail Damage Insurance at any of our Unicaja branches, where we will be happy to assist you.

 

If you prefer, you can also request SME and Retail Damage Insurance by filling out the application form and indicating the branch where you'd like it to be processed at. We will contact you shortly.

 

Remember that if you have any questions or queries, you can call our customer service team on: +34 952 07 62 24.

(1) Product coverage according to the General and Special Policy conditions.

(2) Insurance taken out with CASER, Compañía de Seguros y Reaseguros, S.A. through Unimediación, 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 Unimediación, S.L.U. has entered into agency agreements with at https://www.unicajabanco.es/seguros.

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