Business Insurance That Fits a Small Business, Not a Corporation
Most business insurance is written for companies ten times your size. Ask us for real quotes sized for freelancers, autónomos, and small teams in Spain.
No hard sell, no named insurer favored — just real quotes explained plainly.
Why Choose Confialy for Your Business Insurance
This fits a business with a physical presence — a shop, studio, workshop, or office — that needs property and liability cover, or one whose clients/contracts explicitly ask for proof of insurance. If you're a fully remote freelancer with no physical premises and no client insurance requirement, professional liability alone (see our Responsabilidad Profesional page) may cover the actual risk better.
Compare plans across business types and sizes in one form.
Plain-language explanations of what small-business risk actually looks like.
We help with documentation your landlord, client, or contract might require.
Who Is Business Insurance For?
You're a foreign entrepreneur or autónomo setting up your first business in Spain.
You run a shop, studio, or restaurant and need property plus liability cover.
You're hiring your first employees and need cover that scales with your team.
What Does Business Insurance Cover in Spain?
- Business property & equipment. Your premises, fixtures, stock and equipment against fire, water damage and theft.
- General liability. Injury or property damage to a customer or visitor on your premises.
- Business interruption. Lost income if a covered event forces you to stop trading temporarily.
- Glass & signage breakage. Shopfront windows and exterior signs — a common claim for any street-facing business.
- 24/7 emergency assistance. A locksmith, plumber or electrician dispatched urgently after an incident at your premises.
- Temporary relocation. Rent for alternative premises if yours becomes unusable after a covered claim.
- Cash & valuables on-site. Theft of cash from a till or safe, usually capped lower than general contents cover.
- Employee-related liability. Cover if a staff member is injured at work, where relevant to your setup.
- Goods & stock in transit. Cover for stock while it's on the move, separate from your main property cover — confirm if you need this alongside our Seguro de Transporte line.
Worth checking before you buy
Whether your specific business activity is excluded — some plans exclude higher-risk trades (e.g. food handling, construction) by default, so confirm your exact activity code is covered.
Exact coverage, limits and exclusions depend on the insurer and plan you select — full policy conditions are shown before you buy.
How to Get Your Business Insurance Quote in 4 Steps
Send us your details
A short message through our contact form — no obligation to buy.
We compare real quotes
We check offers from multiple insurers on your behalf.
You choose the plan
We explain the options in plain language. No push toward any one insurer.
We help you get covered
We stay in touch until your policy is active.
Frequently Asked Questions About Business Insurance in Spain
Do I need business insurance as an autónomo in Spain?
Not always legally required, but often expected by landlords, clients, or contracts — we help you check what actually applies to your situation.
Does business insurance cover my physical shop or studio?
Property cover is typically included or available as an add-on — confirm the specific limit during comparison.
Can I get cover before I officially open my business?
Some insurers allow this — we flag which plans support pre-opening cover so you're protected from day one, not week two.