MANAGE OR REJECT COOKIES.
Insurance for your business
Business Multi-Risk Insurance
Designed to cover risks related to your business, office, warehouse or factory.
General and Business Liability Insurance
Insurance that covers defence, bail and indemnity costs if third parties file a claim against your business.
Liability Insurance for Executives
In cases of fault or negligence, this policy aims to cover your assets if third parties file a claim against you as your company's executive and/or general manager. The policyholder must be the company itself.
This policy covers risks that arise on a building site: damage to the construction itself, equipment, third-party liability, etc. You can also take out the ten-year defects insurance policy.
Machinery and equipment
Machinery and equipment insurance includes numerous guarantees to cover contingencies and ensure permanent protection against accidental breakage, fire, theft, electrical damage, assembly failures, etc.
Comprehensive insurance for store and business owners
Fire, explosion, lightning, rain, wind, flood, hail and snow.
Damage due to smoke, vandalism, impact of vehicles, electrical damage to installations and sections of energy production, distribution and/or transformation.
Water damage (including the cost of locating and repairing the breakage).
Expenses for demolition, debris removal, fire-extinguishing and loss of rental income, replacement of files and documents.
Aesthetic damage to the structure, breakage of glass, mirrors, panes of glass, marbles, granite, natural stone, sanitary ware and signs.
Forced eviction, experts’ fees.
Robbery, theft and damage.
Merchandise in shop window.
Goods in exterior showcases.
Cash inside and outside safe.
Robbery of cash transporters.
Robbery of customers and employees.
Loss of profits.
Breakdown of machinery and electronic equipment.
Damage to electrical appliances.
Deterioration of goods in refrigerator.
Third-party liability: exploitation, employers, products and bonds.
Transport of goods.
Assistance for the company.
General and professional third-party liability
Basic exploitation and/or professional third-party liability cover.
Accidents at work (Employer's Third-Party Liability).
Third-party liability for directors
Primary third-liability coverage:
Directors' or executives' third-party liability.
Liability for improper labour practises.
Insured party's third-party liability for counter claims.
Reimbursement to the entity.
Coverage of additional expenses:
Legal defence expenses, third-party liability.
Bankruptcy guarantee expenses.
Administrative fines and sanctions.
Emergency and crisis management costs.
Advertising and image restitution costs.
Coverage of expenses in case of contamination.
Defence expenses for entity's criminal liability.
Building insurance policies
Our construction insurance covers risks for temporary and permanent work carried out on a construction site. These are some of the guarantees you can take out under this policy:
Damage to works.
Complementary cover (optional):
Overtime, night work and holidays.
Strike, riot, civil uprising.
Debris removal and demolition expenses.
Extracontractual third-party liability.
Cross third-party liability.
Maintenance coverage (optional).
We also have a Ten-Year Insurance Policy to cover structural damage to a building as established by the Buildings Standards Act:
Complementary cover (optional):
Demolition and Debris Clearing Costs.
Mechanical resistance and stability of non-load-bearing façades.
Waterproofing of roofs.
Watertightness of basements.
Automatic updating of sum insured (optional).
Waiver of the right of subrogation (optional).
Machinery and equipment
Depending on the type of machinery and equipment, this type of insurance has the following main guarantees:
Error in design, manufacture, defects in assembly, workmanship and material.
Deterioration caused by water or other liquids.
Fall, impact or collision of vehicles, including aircraft and their objects, as well as the obstruction or entry by foreign bodies.
Damage or loss of electronic equipment, caused by damage to air conditioning installations which may be compensated for under the policy.
Failure in regulation and safety devices.
Vibrations, misalignments, loosening of parts, greasing defects and self-heating.
Lack of skill, negligence and malicious acts by the insured person's personnel or third parties.
The direct action of electricity as a result of short circuits, overvoltage and other similar effects, and electrical disturbances derived from lightning strikes.
Extreme weather phenomena:
Overflow, flood, hurricane or storms.
Fire, lightning, explosion, implosion, theft, looting and any other cause not expressly excluded.
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Comprehensive insurance for retail premises and companies, general civil liability and professional civil liability for senior managers offered by Bankinter Seguros Generales, S.A. de Seguros y Reaseguros, building insurance offered by Mapfre España Companía de Seguros y Reaseguros, S.A., and machinery and electronic equipment breakdown insurance offered by Plus Ultra Seguros Generales y Vida, S.A. de Seguros y Reaseguros, all sold through Bankinter, S.A. as the related BANCASSURANCE OPERATOR, with registered office at Paseo de la Castellana 29 (PC 28046), entered in the Madrid Companies Register under Volume 1857, Sheet 220, Page 9643, with Tax ID Number (CIF) A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds under the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, which has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures, which incorporates into Spanish law various directives of the European Union concerning public procurement in certain sectors: private insurance, pension plans and funds, and taxation and tax litigation. The bancassurance operator has entered into insurance agency agreements with the institutions specified in the following link.
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Basic information about data protection information. Bankinter Seguros Generales S.A. de Seguros y Reaseguros will process your data for the following purposes: Your data will necessarily be processed for the following reasons: (i) compliance with legal obligations; (ii) comprehensive and centralised management of your insurance contract; (iii) request that doctors and healthcare providers supply the data and healthcare background needed to enable the contract's full execution and the fulfilment of your interests; (iv) analysis and profiling for appropriate execution of the insurance contract; and (v) contact you to inform you about products or services that may be of interest to you since they are similar to the products/services you have already arranged with us. So that we can inform you about the products and services described above, your personal data will be analysed to create a profile using the same, which will enable commercial announcements to be tailored as closely as possible to your needs, tastes and preferences and sent to you through any means. Please refer to the additional information about data protection published by Bankinter Seguros Generales S.A. de Seguros y Reaseguros.
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