Insurance for SMEs

SME Insurance | Insure your company

A boost for your company

What does our SME insurance offer you?

SME insurance offers protection for your company with the aim of allowing you to meet any eventualities arising from carrying on your activity. This insurance includes an extensive variety of covers to protect your most valuable investment: your company.

Benefits of this insurance

Everything for your SME

The best tool for your company. Very comprehensive insurance with which you only have to worry about what really matters, making your business grow.

Flexibility

Insurance which allows itself to be adapted to the needs and type of your business. Your company is unique and so is your insurance.

Specialist advice

Benefit from our team of professionals who specialise in SMEs to find the insurance best suited to your business simply and easily.

Main coverage

Damage caused by fire, lightning, and explosion

We protect your company from direct damage caused by the fire to goods insured, including the unavoidable consequences of the fire such as damage caused by smoke or that resulting from fighting the fire.

This damage will be covered regardless of the nature of the fire, whether it has been caused fortuitously, malevolently or through your own negligence or that of any of your employees.

Risks of nature

For that damage arising from atmospheric phenomena such as hail, snow or high winds and rain of great intensity.

Miscellaneous damage

With this cover we will protect you from those situations which occur less frequency but which also mean a significant loss of profits to the company. The following is some of the most significant damage:

Acts of vandalism. That carried out malevolently by third parties against the property and installations of your company
Damages through flooding. The caused by water overflowing from irrigation channels, canals, drains and sewers
Spillages and leaks. With regard to damage which an accidental spillage in automatic firefighting installations may cause
Smoike damage. Both if caused by a fire or by an accidental leakage
Vehicles crashing into the building or any item belonging to you

Electrical damage

Electrical installations or facilities that form part of the container are covered in the event of the sustaining damage because of abnormal currents, short circuits, spontaneous combustion or causes inherent to their operation.

Breakage of glass, marble, signs and sanitary ware

We cover accidental breakage of glass, including polycarbonate and methacrylate glass, company signs, sanitary ware and marble counters.

Water damage

We cover damage occurring as a result of failure to turn off taps, leakage and breakage of taps and piping, infiltration of water, and all expenses arising from locating the damage.

Aesthetic and other damage through theft to the container

You we guarantee the payment of a complementary indemnity for damage not direct that have been produced so much in the administrative branches as in the areas of sale, exhibition and customer service.

Goods temporarily moved

Protection in the event of temporarily moved goods which, belonging to you, are moved elsewhere on Spanish territory for irepair, maintenance or exhibition.

Replacement of files

We cover expenses arising from the replacement files, documents and moulds. In the case of computer files the recovery and reprinting of data are covered.

Forced abandonment

Protection in the event of expenditure arising from provisional abandonment of the premises where the professional activity is carried out as a result of a loss. This expenditure provides for the movement of your furnishings, fittings, and goods as well as renting premises with characteristics similar to those of the original premises.

Additional coverage

Theft, robbery and damage

You can extend the protection of your business by including such useful covers as the repair of damage to the container without insuring the container, money in cash, money in cash register, safe or during the transportation of funds and including hioldups of clients and employees or also cover direct losses in cases of losses caused by employee infidelity.

Civil liability

You can protect your assets from possible claims which may be lodged against you for damage caused to third parties by taking out any of the multiple options which our SME insurance offers you:

Operations and management civil liability
Products civil liability
Property owner's civil liability
Tested vehicles civil liability
Entrusted objects civil liability

Loss of profits

So that your company does not stop, we will cover loss of profits caused by a temporary total or partial interruption of your activity because of an accident. The amount of this cover will be in accordance with the conditions provided for in the insurance agreement.

Damage to electronic machinery and equipment

We cover internal damage causing the breakage or breakdown of the machinery insured up to the sum proposed.

Damage to goods

Damage and losses sustained by goods in store through damage resulting from risks covered or breakdown or lack of energy supply or spillages of liquids through breakage of the containers holding them.

Assistance to the company

For that damage arising from losses covered by the policy, we will arrange the urgent despatch of professionals to carry out repair work or will appoint an adjuster to coordinate the action necessary for repairing or paying indemnity as appropriate from the type of damage and the limits laid down in the insurance.

FAQs

Who is this insurance for?

Our SME insurance is aimed at those people whose business is a small or medium-sized company and who wish to take out tailor-made insurance.

Why do I need to take out insurance for my company?

Because we know that your company is your biggest investment, taking out this insurance guarantees you cover for unforeseen damage, with the aim of minimising its impact on your company's performance.

Can I extend my insurance with tailor-made covers?

Yes. Furthermore, at Plus Ultra Seguros we have a team of advisers who specialise in SME's who will give you the necessary information so that taking out your insurance will conform exactly with the specific features of your company.

Learn more about this insurance

Why take out SME insurance?

Flexibility

Our SME insurance policy provides your business the protection you need, where you can adapt the guarantees and covers to the particularities of your activity.

The best professionals

Receive the best possible service, as if you were a large company, and enjoy the advice of renowned professionals, who will provide you all their experience and knowledge.