A business building insurance with contents insurance is for companies such as offices, shops, warehouses and restaurants. If it is not mandatory to have this insurance, it is certainly advisable.
In addition to the compulsory third-party liability insurance (legal liability), this is primarily an insurance policy to keep the future of your company going after (major) damage.
"A business phone or laptop is not covered with private home insurance."
Good home insurance is of great importance for every company. Not only for damage to your property or household contents, but also damage to third parties. (Liability). In addition, you can also insure for loss of income within this insurance.
It is very important with a business building insurance to report all your business activities. If you do not do this, you may have no coverage.
This insurance is primarily intended for material damage caused by, for example, fire from lightning strikes. Within this insurance there is also a part that goes to the “Consortium”, which will be used in case of natural disasters.
In addition, it has liability cover for damage to third parties. You also have the option to insure against damage by personnel.
Within this insurance you have the option to insure against loss of income due to damage. For example, in the event of a fire, a building may not be able to be used for months, while the costs of the rent and staff will continue. It is therefore important to include this relatively cheap insurance.
We at IFAR are an independent insurance broker and work with more than 20 leading insurers in Spain. We also have a lot of experience with this type of insurance. Therefore, we guide you as thoroughly as possible to exclude as many risks as possible. After we have collected all your information and wishes, we will create a suitable offer for you. And of course completely free of charge and without obligation.