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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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1Bankinter, S.A., as a bancassurance operator with registered office at 29 Paseo de la Castellana (28046 Madrid), recorded in Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of tax identification number A-28157360 and registered with the special administrative registry of the General Directorate of Insurance and Pension Funds at the Ministry of the Economy and Finance (44 Paseo de la Castellana, 28046 Madridhttp://www.dgsfp.mineco.es), under code OV-0028, has entered into insurance agency agreements with the following institutions: Bankinter Seguros de Vida, S.A., Bankinter Seguros Generales y Reaseguros, S.A., Línea Directa Aseguradora, Plus UltraSeguros Generales y Vida, S.A., Liberty Seguros, Compañía de Seguros y Reaseguros, S.A., AXA Seguros Generales, S.A. de Seguros y Reaseguros, Mapfre Familiar Compañía de Seguros y Reaseguros, S.A., Mapfre Empresas, Compañía de Seguros y Reaseguros, S.A, Mapfre Global Risk, Cia Internacional de Seguros y Reaseguros, Helvetia Compañía Suiza, S.A. de Seguros y Reaseguros, HDI Hannover International España, S.A. de Seguros y Reaseguros, Stonebridge International Insurance LTD, Financial Insurance Company Limited Spain, FinancialAssurance Company Limited Spain, SOS Seguros y Reaseguros, S.A., ACE European Group, S.A., Asefa, S.A. Seguros y Reaseguros, Solunión Seguros de Crédito Cia Internacional de Seguros y Reaseguros, S.A., Sanitas S.A de Seguros y Cigna Life Insurance Company of Europe, S.A., Metlife Europe Limited Sucursal en España and DAS (Defensa del automovilista y de siniestros internacional, S.A. de seguros).
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Basic data protection information. Bankinter Seguros de Vida, S.A de Seguros y Reaseguros will process your data for the following purposes: (i) in compliance with legal obligations; (ii) for the comprehensive and centralised management of your insurance contract; (iii) to ask doctors and healthcare providers to supply the data and medical history required to prepare the contract and protect your interests; (iv) to analyse and develop profiles to ensure the correct execution of the insurance contract; and (v) to contact you with information about products or services that may be of interest to you since they are similar to the ones you already have with us. To be able to inform you about the products and services mentioned above, we will analyse your personal data to create a profile that will allow us, by whatever channel we may use to reach you, to tailor our commercial announcements as closely as possible to your needs, tastes and preferences. Please also refer to the additional information about data protection prepared by Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros.
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