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In Spain, small businesses represent 99% of the business network. Each of them is exposed to unforeseen risks that can disrupt their resources and action plans.

The risks faced by all entrepreneurs in micro and small companies can be grouped into four categories affecting business activities:

  1. Risks to company assets

  • Real estate and fixed facilities (building/structure).

  • Contents (furniture, machinery, electronic equipment, non-fixed installations).

  • Raw materials and goods in process or finished goods.

  • Company vehicles (industrial or passenger).

  1. Risks to company personnel

  • Employee pension plans.

  • Compensation systems.

  • Protection against the consequences of workplace accidents.

  1. Risks related to company liability

  • The company’s assets must be protected against claims for damages caused to third parties by the company’s activities, its employees’ activities, the products or services it manufactures, distributes, or sells, or the activities of its executives.

  1. Risks to the company’s financial results

  • Any losses derived from business interruption due to an accident, disaster, or cyber risk, as well as potential defaults on credit sales.

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Find the Ideal Insurance: for Your SME

Our insurance brokerage is committed to:

1.provide the best service by studying each case individually, offering, after a thorough analysis and risk identification, classification, and estimation of potential consequences. For example, in the event of a fire, what losses could result from such an incident.

We assess the possible retention by the company, which in insurance terms is called a deductible.

2. In the event of a claim, we facilitate the entire process with the insurance company. Your business will be your only concern. This service is free of charge and provides added value to our clients.

3. We maintain our relationship throughout the year and review together any changes within the company — whether the business grows, activities change, or there are employee additions or departures.

4. At the time of renewal, we review premium increases and adjust the offer among the best insurance companies.

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