We use our own and third-party cookies to provide the best possible experience, analyse user browsing habits and offer content which may interest you. By continuing to browse, we understand that you accept the use of these cookies. You can change your settings and find out more information in our Cookies policy
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.
Show/Hide legal text
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).
Show/Hide legal text
Basic data protection information.In Bankinter Seguros Generales S.A. de Seguros y Reaseguros, we 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. You can consult theadditional information on data protectionof Bankinter Seguros Generales S.A. de Seguros y Reaseguros.
Bankinter has the solution
We’re here to answer your banking queries and provide you with technical support.
1. Who is the data controller?
The data controller is Bankinter, S.A. (hereinafter referred to as 'Bankinter') with Tax ID No. A28157360 and registered office at Paseo de la Castellana 29 (28046 Madrid).
2. For what purposes do we process your data?
The data you provide us with will be processed to receive information about the corresponding request and, as applicable, formally enter into a contract for the product of interest to you.
3. What are the legitimate bases for processing your data?
The legal basis for fulfilling the purpose set out in the above section will be the processing of the request for information. Therefore, any refusal to supply the personal data requested, or the submission of inaccurate or incomplete data, could therefore render it impossible to provide you with the service. Customers are responsible for ensuring the truthfulness of the data provided, and for notifying Bankinter of any modification thereof.
4. Who will receive your data?
The data provided will not be transferred to third parties, unless there is a legally obligation to do so.
5. For how long will we process your data?
Unless you have stated otherwise, we will keep your data for a period of six months. As soon as they are no longer necessary for the purposes described above, the data will be blocked for the period for which they may be required for carrying out, or defending, administrative or legal actions, and they may only be unblocked and processed again for this purpose. Once this period has elapsed, the data will be cancelled definitively.
6. What are your rights in relation to the processing of your data?
You may exercise your rights at any time to access, rectification, erasure, opposition, restriction of processing and portability of the data in the circumstances and scope established by the applicable legislation currently in force. To exercise your rights, please contact us by writing to the following address: Bankinter, S.A. Operaciones- Protección de Datos. Calle Pico San Pedro, 1. Tres Cantos. Madrid. 28760, enclosing a copy of your national ID or any other identifying document. Please note that you also have the right to lodge a claim with the Spanish Data Protection Agency.
7. Where can I obtain further information about data processing?
You can get further information about how Bankinter processes your data at this