Legal risk insurance












Business insurance refers to the insurance of entrepreneurial risks associated with entrepreneurial activity. The insured interest of the entrepreneur is to cover the maximum possible number of risks.


Based on existing, unforeseen, probable and predictable negative factors, the following types of business insurance are distinguished:


property insurance - allows you to insure property risks associated with the operation and use of office premises, equipment, furniture, goods in warehouses, as well as in case of their theft, damage or other harmful effects.

Upon the occurrence of an insured event, the insurance company compensates the insured for the damage in full, provided that the sum insured corresponds to the actual value of the insured property.

In the case of "underinsurance" of property, the insurance company is legally entitled to pay only a share of the damage equal to the ratio of the sum insured to the actual value of the property;

civil liability insurance - allows you to insure the liability of the insured for causing harm to third parties when they present claims against the enterprise. It should be noted that the insurance company will fulfill the claim for damages only within the sum insured.

business interruption insurance - allows you to insure losses arising from unscheduled interruptions in production. The amount of damage reimbursed by the insurance company will directly depend on the actual downtime. The insurer may establish a deductible (non-reimbursable part of the loss). In this case, this is the minimum period of interruption in activities. Only after its completion, idle time falls under the insured event.

The insured person may be not only an individual, but also a legal entity. All business risks must be insured in favor of only the insured, and not some other third-party beneficiaries.


The insurance policy was created for responsible entrepreneurs who are focused on growth and development, increasing their business profits and minimizing costs.




Alena Eremina is your insurance consultant in Spain.

Exclusive Sanitas Insurance Agent in Spain - agente exclusivo № 33165.

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