Your premises are your shop window and the engine of your income. Whether you run a boutique, a café, a hair salon, a restaurant or an estate agency, Allianz business insurance protects everything inside and out: furniture, shop windows, stock, cash in the till and your liability to customers. Tailored to your business and explained in English.
Shops, cafés, restaurants, salons and offices: cover for your furniture, shop windows, stock, till and liability to customers, explained in English.
Compare the Allianz Negocio packages for shops and small businesses
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Cover
Basic
Optimum
Extra
Fire, explosion and lightning
Related costs
Water damage
Weather events
Complementary risks
Glass breakage
Optional
Electrical events
Installations: transformers, power lines and switchboards
Optional
Electrical damage
Electrical appliances
—
—
Electronic equipment breakdown
—
Machinery breakdown
—
—
Refrigerated goods
—
Optional
Spilled goods and falling shelving
—
Optional
Molten material spillage (SMEs only)
—
Optional
Optional
Parked vehicles
—
Optional
Optional
All-risks extension
—
—
Theft
Optional
Business interruption
Optional
Optional
Optional
Liability
Goods in transit (shops only)
—
Optional
Livestock (SMEs only)
Optional
Optional
Optional
Assistance
Included Optional, pre-selected— Not includedOptional Can be added
Optional, pre-selected: an optional cover that comes included in the package and can be removed.
Guide table based on the official Allianz Negocio brochure (ref. 679 0426, April 2026). Cover, limits, excesses and exclusions depend on the terms of your policy.
Protecting your income needs accuracy, not guesswork. Fill in this short questionnaire with your activity, whether you rent or own, and the size of your premises. An Allianz agent will assess your real risk and send you a tailored proposal, in English, with the theft, fire and liability cover your business needs. The form is in Spanish for now; if you prefer, just message us on WhatsApp.
FAQs
Small business insurance: frequently asked questions
If you rent, the owner insures the building. You insure your furniture, stock and equipment (contents), and it's essential to add first-loss cover for the fit-out and decoration you've paid for, as well as your liability to the landlord.
Yes. Glass, shop window and sign cover replaces your shop window, interior mirrors or illuminated signs quickly after accidental breakage or vandalism, which is essential for any street-level business.
Stolen stock is paid at its replacement cost, not the retail price, because expected profit isn't insured under this cover. Declare your stock value correctly to avoid underinsurance after a serious claim.
If a prolonged power cut or a cold-room breakdown breaks the cold chain, refrigerated goods cover pays for the food or medicines that have spoiled.
Nationally it isn't always compulsory, except in certain sectors, but in practice it's essential: your town hall or your landlord will usually ask for at least business and premises liability insurance before you open.
That's what business liability is for. The policy covers your legal defence and pays compensation for injury or damage suffered by customers in your premises due to a wet floor, an oversight or the condition of the installations.
Yes. Water damage cover pays to locate and repair the leak and, most importantly, compensates damage to your stock, computers and furniture.
Yes, if you include loss of income or business interruption cover: Allianz pays an agreed daily amount so you can meet your fixed costs (rent, salaries, taxes) while the premises are being repaired.
They're covered as contents against theft and fire. For internal electrical faults, such as a power surge that damages your computer or till, we recommend adding electrical damage and electronic equipment cover.
The price is personalised: it depends on your activity (a clothes shop isn't the same as a restaurant with a kitchen), the size of your premises, the value of your stock and furniture, and your security measures, such as a monitored alarm, shutters, security glass and extinguishers.
AMB Seguros is an exclusive Allianz agency in the Region of Murcia insuring shops, bars, restaurants and offices, including many run by expats on the Costa Cálida and the Mar Menor. We tailor your policy so you can focus on your customers, with advice in English.
