3 months free on your Allianz health insurance · Until 31 January 2027
Client areaESEN
Get a quote
Industrial warehouse in Murcia, Allianz company insurance for businesses in Spain

Company insurance in Spain

A fire, a burst pipe or electrical damage at your premises can stop your business overnight. Allianz commercial multi-risk insurance is an all-in-one policy that covers your warehouse, office or workshop, your stock, your machinery and your business liability, tailored to your sector and explained in English. Start with a free risk review.

An all-in-one policy for your premises, stock, machinery and business liability, tailored to your sector and explained in English. Start with a free risk review.

Book a free risk review

View covers

Building and contents under one policy icon

Building and contents under one policy

Premises and business liability included icon

Premises and business liability included

Business interruption cover icon

Business interruption cover

What’s covered

What exactly does Allianz company insurance cover?

Fire, explosion and lightning icon

Fire, explosion and lightning

Covers total or partial destruction of your premises and stock by fire, plus firefighting, debris removal and salvage costs. The foundation of any business policy.

Water damage and weather events icon

Water damage and weather events

Repairs after burst pipes, leaks, flooding and overflows, and after frequent weather events such as strong winds, hail and torrential rain.

Theft, robbery and vandalism icon

Theft, robbery and vandalism

Protects the furniture, machinery and stock at your premises against burglary, robbery of staff and vandalism against the building or its contents.

Liability icon

Liability

Optional cover for legal defence and compensation if your business causes damage to others. It can include property owner's liability, public liability for your activity, employer's liability for accidents at work, and vicarious, cross and product liability.

Business interruption icon

Business interruption

If a serious incident such as a fire forces you to close temporarily, this cover pays the fixed costs you still have (salaries, rent, taxes) or your lost gross profit while the business is stopped.

Machinery breakdown and electrical damage icon

Machinery breakdown and electrical damage

Specific cover for short circuits that damage computers and electronic equipment, and for unexpected mechanical breakdowns of machinery essential to your production.

Allianz company insurance cover

Cover
Basic cover
Property damage
Fire, explosion and lightningCompany Insurance in Spain | Commercial Multi-risk | Allianz Murcia
Related costs
Firefighting, demolition and debris removal, salvage, cleaning, permits and licences, gardens and refilling extinguishers; architects and engineers up to €60,000 and loss adjusters up to €30,000
Company Insurance in Spain | Commercial Multi-risk | Allianz Murcia
Water damageOptional
Weather events and complementary risksOptional
Molten material spillageOptional
Spilled goodsOptional
Cosmetic repairsOptional
Glass breakageOptional
Electrical eventsOptional
Electrical damageOptional
Electronic equipment breakdownOptional
Machinery breakdownOptional
Refrigerated goodsOptional
TheftOptional
All-risks property damage extension
Any sudden, accidental and unforeseen property damage
Optional
Other cover
Business interruption
Loss of gross margin or standing costs after insured property damage; also available as a daily benefit or loss of rent
Optional
Liability
Property owner's, public, vicarious, cross, employer's and product liability
Optional
Company Insurance in Spain | Commercial Multi-risk | Allianz Murcia IncludedOptional Can be added

It's a flexible policy: you choose which property you insure (buildings, contents and stock) and which risks you add to the basic cover.

Guide table based on the official Allianz Multiseguro Empresarial brochure (ref. 443 0525, May 2025). Cover, limits, excesses and exclusions depend on the terms of your policy.

Risk review first

For businesses, an off-the-shelf policy isn’t enough. We tailor your cover

For businesses, an off-the-shelf policy isn’t enough. We tailor your cover

We visit your premises icon

We visit your premises

An agent comes to your business to assess security measures (extinguishers, alarms, fire hoses), the type of building and your real activity.

Exact sums insured icon

Exact sums insured

A common mistake in business insurance is underinsurance. We value your building and stock so that, after a total loss, you're paid in full.

Cover adjusted to your sector icon

Cover adjusted to your sector

Stock in cold rooms? We add cover for refrigeration failure. Heavy machinery? We raise the machinery breakdown limits.

Good to know

Running a business in Spain: four things foreign owners should know

Insurance when you open a business icon

Insurance when you open a business

Depending on your activity and your town hall, opening premises (licencia de actividad or declaración responsable) may require liability insurance, and most commercial leases require it too. We give you the certificate you need.

Insurance when you open a business icon

Insurance when you open a business

Depending on your activity and your town hall, opening premises (licencia de actividad or declaración responsable) may require liability insurance, and most commercial leases require it too. We give you the certificate you need.

Renting premises: what you must insure icon

Renting premises: what you must insure

The landlord's policy only covers the building. As a tenant, you need to insure your contents (machinery, furniture, stock, computers) and your liability for damage to the premises or to neighbouring units.

Renting premises: what you must insure icon

Renting premises: what you must insure

The landlord's policy only covers the building. As a tenant, you need to insure your contents (machinery, furniture, stock, computers) and your liability for damage to the premises or to neighbouring units.

Underinsurance and the proportional rule icon

Underinsurance and the proportional rule

If you insure your business for less than its real value, Spanish insurers apply the proportional rule (regla proporcional): insure for half, and you'll be paid half of the damage. That's why we value your sums insured first.

Underinsurance and the proportional rule icon

Underinsurance and the proportional rule

If you insure your business for less than its real value, Spanish insurers apply the proportional rule (regla proporcional): insure for half, and you'll be paid half of the damage. That's why we value your sums insured first.

Policies in Spanish, advice in English icon

Policies in Spanish, advice in English

Allianz issues business policies in Spanish. We explain every clause, exclusion and limit in English before you sign, and handle claims with you in English too.

Policies in Spanish, advice in English icon

Policies in Spanish, advice in English

Allianz issues business policies in Spanish. We explain every clause, exclusion and limit in English before you sign, and handle claims with you in English too.

Book your free business risk review

Buying a multi-risk policy blind is the main cause of underinsurance. Book a no-obligation visit: one of our risk specialists will come to your premises, workshop or warehouse to assess your security, fire protection and operational risks, and design cover that protects your business without paying for what you don’t need. We can carry out the visit and explain everything in English.

FAQs

Company insurance in Spain: frequently asked questions

AMB Seguros is an exclusive Allianz agency in Murcia specialising in commercial multi-risk insurance for SMEs, industrial units, logistics centres and factories across Spain, including businesses run by foreign owners. We visit your premises and advise you in English so your policy fits your real activity.