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Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
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Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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      Directors and officers civil liability insurance

      BBVA Allianz D&O SME Insurance

      • Protect the personal assets of directors against claims.
      • It provides coverage against administrative fines and penalties.
      • Covers legal representation expenses.
      Apply

      What does this insurance cover?

      • The BBVA Allianz D&O SME policy offers the following coverage:

        • Legal representation and defense fees, image crisis management fees.
        • Legal expenses for claims involving pollution.
        • Reimbursement of expenses to defend against improper labor practices.
        • Civil and criminal bonds, insolvency guarantees, as well as subsidiary tax liabilities.

        See more details on the coverage

      What are the requirements?

      • To take out this insurance, you will have to meet the following requirements:

        • Your company's turnover must not exceed 25 million euros.
        • Other conditions it takes into account:
          • Have consolidated financial figures available. For newly created companies, the forecast data for the end of the current year, based on their business plan.
          • Have positive equity.
          • Not be traded on a stock market.
          • Statement of solvency.
          • Not being aware of improper acts.
          • No claims in the previous 3 years.

      Apply for BBVA Allianz D&O SME Insurance

      Apply

      Would you like more information?

      The insurance premium is annual and can be paid by direct deposit. You can ask your BBVA adviser about payment plan options.

      The insurance contract is annual and renewable. The policy will be tacitly renewed every year on the same effective date.

      You can receive complaints as part of a civil, arbitration, criminal, or administrative case, or a written request, from:

      • Partners and shareholders: due to mismanagement by the company and/or for having made decisions that they deem to have violated or harmed their interests. 
      • Employees: claims for damages caused by an improper employment action: discrimination, harassment at work, defamation, etc.
      • Government bodies: subsidiary tax liability, administrative fines imposed on the administrator, etc.
      • And others: company, buyers, for any damages resulting from an incorrect decision involving the management of the company.

      The insurance covers claims filed against our customer, provided that the customer is not aware of the existence of a possible claim, even if the claim originated in an event prior to the purchase of this policy. 

      The product's maximum applicable indemnity limits and sublimits:

      • General compensation limit of up to €3,000,000 (depending on your company's turnover).
      • Insolvency Guarantee Expenses: Maximum of €250,000.
      • Public image restoration expenses: 10%, with a minimum of €100,000 and maximum of €300,0000.
      • Administrative fines and sanctions: 10%, with a maximum of €150,000.
      • Legal expenses for reckless homicide or for involuntary violation of the Occupational Risk Prevention Law: Maximum of €150,000.

      Product underwritten by BBVA Allianz Seguros y Reaseguros, S.A.

      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.

      Yes, in this case, they must provide the forecast data for the end of the current year, based on their business plan.

      These companies are not eligible for the Civil Liability insolvency guarantee during the first year of the policy.

      By law, we have to provide you with a standard insurance product information document to help you understand the main features.

      Open document

      You might also be interested in

      • CyberInsurance for SMEs and self-employed workers

        BBVA Allianz Cyber:
        • Protect your business against computer attacks.
        • Professional and legal advice.
        • Compensation if data is lost or stolen.
        More information
        Apply
      See more insurance plans

      Be a BBVA customer.

      • At BBVA, we offer a wide range of insurance products for protecting both you and your business.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.

      Discover the BBVA Company Aggregator

      Add and manage all your business bank accounts in one place.
      Manage all your accounts, make better decisions, and save time for your business.
      More information
      Request Public Liability Insurance
      Apply
      Offer valid during current month
      1. Insurance
      2. Directors and Executives' Public Liability Insurance
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