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In harmony with your office

What does our insurance policy offer you?

Aware of different needs for every type of activity, we place insurance especially designed for offices at your disposal. Because nobody knows what the real needs of your business are than you, we offer you the possibility of preparing insurance to suit you in order to carry on your activity with full covers.

Benefits of this insurance

Extensive covers

It provides for both protection of the premises and their contents and your liability to people who carry on their professional activity there.

Adapted to your activity

Essential covers and additional extensions so that you can adapt the protection to any type of business, from a personal office to a large office.

Complete and adjustable

With everything necessary for facing the most usual materials and covers to protect legal aspects such as Civil Liability and Legal Defence..

Branches

Main coverage

We will deal with direct material damage caused by these eventualities at the premises insured. Furthermore, in the case of fire or explosion, damage caused by office installations, machinery or involuntary accidents.

Optional coverage

Cover aimed at protecting your profits in case an eventuality covered by the policy prevents you from carrying on your professional activity normality. Furthermore, it has three ways for you to choose the one which best suits your specific needs: daily indemnity, loss of gross profits and loss of rents.

FAQs

Our Oficinas Plus insurance is aimed at from self-employed workers who carry on their activity at a personal office to those business people whose activity is carried on in a large office.

The building or premises in which the activity insured is carried on, including the foundations, walls, ceilings, doors and windows that make it up are considered a container.

Furthermore, the constructions annexes such as warehouses, garages and storage rooms on the property or in a building less than 30 metres way and with similar characteristics to those of the main construction are also considered a container.

Finally, we consider aerials, awnings and sign boards belonging to the building insured and possible recreational or sports facilities.

Those items inside the premises insured, including the establishment's furniture and those non-fixed decorative items. The machinery, electronic equipment, work tools and implements necessary for carrying out the activity insured are also included in content.

Yes. You have the possibility of including changes to the container made by improving your premises within your content insurance. You will only pay for the corresponding share of the container that you have improved with your investment. The rest of the value of the container of the premises will continue to be borne by the owner.

This guarantee protects your profits in the event of certain situations beyond your control which do not allow you to carry on your business normality. There are three types available:

  • Daily indemnity for each working day that the business must remain closed, up to a maximum of 90 days
  • Indemnity for loss of gross profit through a reduction in turnover or a rise in operating costs
  • Indemnity for loss of rent linked to the impossibility of using the premises while the damage is being repaired

Why choose Plus Ultra Seguros?

The best professionals

Automatic reappraisal

Repair service