What types of activities can be insured?

It is intended for companies and self-employed workers in any economic, industrial, commercial, agricultural, technological or office service sector.

Does this insurance cover business premises not in use?

Yes, this insurance for businesses covers inactive commercial premises, subject to the other risks applied for in the insurance policy questionnaire, and including the limits and exclusions set forth in the policy.

What are the product limits?

Yes, limits do apply, depending on the coverage: Building, furniture, equipment and goods: Up to €3,000,000 (non-industrial risk) and €1,000,000 (industrial risks). Cash in transit: Up to €5,000. Cash in safe: up to 30,000 €. Employee infidelity: up to €10,000. 'Loss of profits': up to €1,000 a day for a maximum of 100 days. Siege of a secured vehicle transporting cash: up to 30,000 €. Loss of rent/uninhabitable: maximum of 12 months, with a 48-hour waiting period. Breakage of windows, theft in the building, electrical damage and breakage of machinery: up to €50,000. Spilled merchandise, fallen shelves, spilled melted merchandise and refrigerated goods: up to €100,000. Civil liability: €1,500,000. Sub-limit per victim of up to €500,000. Aesthetic repairs to the building: 10% insured sum. Replacement of molds: 10% movable equipment and furniture; up to €60,000. Replacement of files: 10% movable equipment and furniture; Up to €150,000. Frost: 2% of the insured sum for the building, up to €30,000.

What sectors have specific coverage for your activity?

Vehicle workshops, service stations, wineries, hospitality, sports facilities, schools, gyms, play-children centers, industrial and non-industrial laundries and dry cleaners, hairdressers and beauty salons, veterinary clinics and canine hairdressers, sale of pets and animal health products, sale and repair of products in general, tailoring, driving schools, hairdressing and beauty academies, hospitality academy, spas and urban spas, pharmacies, parapharmacies and agricultural activities.

Does this insurance for businesses include deductibles?

Yes, there are 2 types of general deductibles: €150 and €300 for certain coverage and depending on whether your business is a SME (factory, warehouse, workshop, etc.) or a store/office.

How long is this insurance for businesses valid for?

It is annual and renewable. The policy will be renewed automatically every year on the same effective date.

What is the payment method?

The premium is payable annually by direct debit. You can ask your BBVA adviser about payment plan options.

Where does this policy provide coverage?

The territorial scope of coverage is all of Spain, and only for the Civil Liability coverage these are events that occurred and were declared (claimed) within the EU, Andorra and the United Kingdom.

What is the insurance assistance network?

Emergency assistance and services: free ambulance transfer, sending of qualified security personnel in the event of a claim, urgent locksmith, plumbing and electricity services. Legal assistance . "Always with you" assistance, including IT assistance, legal advice and protection, and information on European, national and regional grants and subsidies.

Who is the insurance company?

Product underwritten by BBVA ALLIANZ SEGUROS y REASEGUROS S.A.

Who is the intermediary?

BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A. listed in the Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under code OV0060. It has an approved public liability insurance policy.

Insurance product information document

By law, we have to provide you with a standard insurance product information document to help you understand the main features. Open document for the Industrial sector Open document for the non-Industrial sector

Insurance for Businesses, Business premises and SMEs

BBVA Allianz Plus Insurance for Businesses

The comprehensive insurance to protect your business, whether it is carried out in a building, store, office, warehouse or workshop.

Covers the damage and material losses to the building, furniture and goods.
Flexible and adaptable to your business.
Extensive assistance coverage.

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What coverage does BBVA Allianz Insurance for Business offer?

Coverage for industrial risks

See our line-up of basic and optional coverages for each type of industrial risk.

See table of coverage included
Coverage for non-industrial risks

See in detail what coverage is included for non-industrial risks.

See table of coverage included

Who is this insurance for business aimed at?

It is intended for companies and self-employed workers in any economic, industrial, commercial, agricultural, technological or office service sector.

Complete assistance network

Emergency assistance and services: free ambulance transfer, sending of qualified security personnel in the event of a claim, urgent locksmith, plumbing and electricity services.

Legal assistance.

"Always with you" assistance, including IT assistance, legal advice and protection, and information on European, national and regional grants and subsidies.

Calculate the price of the BBVA Allianz Insurance for Business, Business Premises and SMEs

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