Whether you’re self-employed, run a bar or a shop, or manage a growing company in the Region of Murcia, we design the cover your business needs — and explain every clause in English.
Doing business in Spain
Four insurance rules every expat entrepreneur should know
General information on Spanish rules, last reviewed in September 2026. It is not legal or tax advice: requirements depend on your activity, your town hall and your collective agreement, so ask us about your specific case.
FAQs
Business insurance questions from international entrepreneurs
Can a foreign national insure a business in Spain?
Yes. Whether you trade as self-employed (autónomo) or through a Spanish company (SL), you can insure your business with us. We’ll need your NIE or the company’s tax number (CIF), details of the activity and the premises, and we explain every policy to you in English.
Which insurance is compulsory for a business in Spain?
It depends on your activity. If you have employees and your collective agreement requires it, accident insurance for staff is compulsory, and every business vehicle needs motor insurance. Public liability is not always required by law, but in practice town halls ask for it to grant opening licences and many clients ask for it in contracts.
What is the difference between company insurance and public liability?
Company (multi-risk) insurance protects your own assets — premises, machinery, stock and income — against fire, water damage or theft. Public liability protects you against claims from third parties if your activity causes them injury or damage. Most businesses need both.
I’m self-employed. What happens if I can’t work because of illness?
Social Security pays nothing for the first three days, 60% of your contribution base from day 4 to day 20 and 75% from day 21. A temporary incapacity policy pays you a fixed daily amount — up to €120 a day with Allianz — so your fixed costs stay covered while you recover.
Do I have to insure my employees?
Work accidents are covered by Social Security, but many collective agreements also require an extra accident policy that pays a set amount for death or permanent disability. We check the agreement that applies to your sector and set up exactly the cover it requires.
Can company directors be personally liable in Spain?
Yes. Under Spanish company law, directors of an SL or SA can be held personally liable for damage caused by acts that breach the law, the bylaws or their duties. D&O insurance covers their legal defence, bail bonds and any compensation, protecting their personal assets.
Do you insure lorries and goods transported internationally?
Yes. We insure trucks, tractor units, trailers and vans, and the goods they carry on national and international routes under LOTT and CMR rules, with policies per trip, per vehicle or based on annual turnover.
I run a holiday rental in Murcia. Is that home or business insurance?
It depends on the scale. A single holiday let is usually covered with a specific tourist-rental home policy, including liability towards guests. If you run several units or a guesthouse, a business policy is usually the better fit — we’ll tell you which applies.
Can you review the insurance my business already has?
Yes. We review your current policies free of charge, check for gaps, underinsurance and duplicate cover, and tell you what you could save by grouping them with Allianz.
