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Self-employed tradesperson at work in Murcia, Allianz public liability insurance for freelancers and SMEs

Public liability insurance in Spain

One accident or mistake can lead to a claim that threatens your business, and if you’re self-employed in Spain, your personal assets too. Allianz liability insurance for freelancers and SMEs takes on your legal defence and pays compensation for damage you cause to others, whether you’re a builder, a tradesperson, a café owner or a consultant. Explained in English.

Legal defence and compensation if your business causes damage to others: for freelancers, tradespeople, builders, hospitality and SMEs. Explained in English.

See which cover I need

View covers

Immediate legal assistance and defence icon

Immediate legal assistance and defence

Public liability and completed works cover icon

Public liability and completed works cover

Employer's liability for staff accidents icon

Employer's liability for staff accidents

What’s covered

Which situations does Allianz liability insurance cover?

Public liability icon

Public liability

The core cover: injury, property damage and financial loss caused to third parties (customers or the public) as a direct result of your day-to-day business activity, on or off your premises.

Employer's liability icon

Employer's liability

Essential if you have staff: covers claims from your own employees, or their families, after a serious injury or death in a workplace accident for which you're held responsible.

Hot work liability icon

Hot work liability

For industry and construction: covers damage caused by high-risk tasks such as grinding, soldering, welding or using a blowtorch, which can start fires on other people's property.

Accidental pollution liability icon

Accidental pollution liability

Covers claims arising from accidental events that cause pollution damage to the environment and to third parties, provided the pollution is detected within 120 hours of the event.

Premises and tenant's liability icon

Premises and tenant's liability

Whether you rent or own your unit or office, the policy covers accidental damage caused from your premises to other people's buildings, including the landlord's.

Product and completed works liability icon

Product and completed works liability

If a product you make or sell, or a job you've handed over, has a hidden defect that later injures someone or damages property, this cover pays the compensation.

Allianz RC Pyme liability cover and limits

Cover
Limit
General limits
Sum insuredUp to €2,000,000
Annual aggregate
Maximum in total per policy year
Three times the sum insured, up to €6,000,000
Limit per victim (general)No sub-limit
Limit per victim in employer's and cross liabilityUp to €600,000
Covers
Public liability
Damage to third parties caused by your business activity
100% of the sum insured
Professional liability
Practice of a regulated profession
100% of the sum insured
Hot work liability
Grinding, angle-grinder cutting, welding, blowtorches…
50% of the sum insured
Tenant's liability
Damage to the premises you rent caused by fire, explosion or water
50% of the sum insured
Accidental pollution liability
Detected no more than 120 hours after the event
50% of the sum insured
Damage to vehicles
Third-party vehicles in your care on your premises
50% of the sum insured
Completed works liability
Damage caused by a job or service after it's finished
100% of the sum insured
Product liability
Damage caused by your products after delivery
100% of the sum insured
Product recall
Costs of withdrawing defective products
50% of the product liability sum
Commingling liability
Third-party goods made by combining or mixing in your products
50% of the product liability sum
Product replacement
Costs of replacing your defective products fitted into third-party goods
50% of the product liability sum

For self-employed people and businesses with a turnover of up to €15 million. Territorial scope: Spain, or the European Union, Andorra and the UK.

Guide table based on the official Allianz RC Pyme brochure (ref. 646 0426, April 2026). Cover, limits, excesses and exclusions depend on the terms of your policy.

Sectors

Specialist cover for the sectors that drive the region

Specialist cover for the sectors that drive the region

Construction and engineering icon

Construction and engineering

Developers, builders and building-materials manufacturers. We cover assembly work and liability for subcontractors.

Accommodation and hospitality icon

Accommodation and hospitality

Hotels, guesthouses and all kinds of restaurants and bars: solid cover for customer falls and food allergies or intolerances.

Manufacturing and industry icon

Manufacturing and industry

From food and drink production to metal products, machinery, industrial refrigeration and wholesalers.

Agriculture and property icon

Agriculture and property

Farming, agricultural cooperatives, estate agents and residential or industrial developers.

Good to know

Liability insurance in Spain: four things foreign freelancers and business owners should know

Self-employed? You're personally liable icon

Self-employed? You're personally liable

As an autónomo (sole trader) in Spain, you're liable for your business debts and claims with your personal assets, including your home. Liability insurance is what stands between a claim and your savings.

Self-employed? You're personally liable icon

Self-employed? You're personally liable

As an autónomo (sole trader) in Spain, you're liable for your business debts and claims with your personal assets, including your home. Liability insurance is what stands between a claim and your savings.

When liability insurance is required icon

When liability insurance is required

Some activities and regulated professions require it by law, and in practice town halls, landlords and many clients ask for a certificate before you start work. We issue it as soon as your policy starts.

When liability insurance is required icon

When liability insurance is required

Some activities and regulated professions require it by law, and in practice town halls, landlords and many clients ask for a certificate before you start work. We issue it as soon as your policy starts.

Subcontracting and building sites icon

Subcontracting and building sites

Main contractors usually ask subcontractors for proof of liability insurance, and if your subcontractor can't pay, the injured party may claim from you. Cross and vicarious liability cover these situations.

Subcontracting and building sites icon

Subcontracting and building sites

Main contractors usually ask subcontractors for proof of liability insurance, and if your subcontractor can't pay, the injured party may claim from you. Cross and vicarious liability cover these situations.

Public liability vs professional indemnity icon

Public liability vs professional indemnity

Public liability covers injury and property damage. If you give advice or design work (consultants, architects, IT, accountants), a financial loss caused by an error needs professional indemnity cover.

Public liability vs professional indemnity icon

Public liability vs professional indemnity

Public liability covers injury and property damage. If you give advice or design work (consultants, architects, IT, accountants), a financial loss caused by an error needs professional indemnity cover.

Find out which liability cover your business needs

Not every business faces the same risks. Use our interactive scenario explorer to see the real financial impact of a claim in your line of work, and which liability covers (public, employer’s, cross liability, completed works and more) you need to protect your business, without paying for cover you don’t use or leaving gaps.

Which situation worries you?

Select a case to see its real impact.

I have premises, a warehouse or an office
I have employees or subcontractors
I work at clients' homes or premises
I make or sell physical products
A fault after the job is finished
I provide professional or advisory services
I store or test clients' property

Cover check

Real impact

Fire spreading to neighbours

A short circuit starts a fire that destroys your unit and spreads next door. Your neighbour's insurer will claim all the damage from you.

Financial costEstimated: €50,000 – €300,000+

4 liability covers you need in your policy:

✓ Public liability
✓ Premises liability
✓ Tenant's liability
Vicarious liability
Third-party property
✓ Neighbouring property & pipes
Hot work
Damage to vehicles
Test drives
Employer's liability
Cross liability
Employees' belongings
Product liability
Completed works liability
Mixing & blending
Replacement costs
Product recall costs
Professional indemnity
Request a tailored quote

The Allianz SME liability policy includes legal defence as standard across all covers.

FAQs

Public liability insurance: frequently asked questions

AMB Seguros is an exclusive Allianz agency in the Region of Murcia specialising in liability insurance for freelancers (autónomos), SMEs, builders, tradespeople and hospitality businesses, including many run by expats. We review your activity in detail to avoid gaps in cover, with advice in English.