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Let’s say a customer slips and falls on your premises and you’re sued. We’ll cover costs and support you throughout the legal process.
Should an employee get hurt tripping on a tile, we’ll cover your legal defence and any personal injury claims brought against you.
If a customer gets food poisoning caused by spoilt food purchased at your business, we’ll cover any adverse consequences.
If you get sued as a result of a loss, we’ll provide you with a lawyer and cover court costs.
If you have a broken window or water leakage, 24-hour assistance is available to resolve the problem.
Events such as water damage, fire or explosion can endanger the operation of your business. Any financial losses resulting from closure of the premises will be covered through the insurance period and up to the sum insured.
If the walls of your premises have any leaks, they will be located and repaired and any damage to insured property will also be remedied.
If fire or explosion occurs on your premises, we’ll take care of the damage.
In the event that all of the flooring of the damaged room is damaged by leaking water, we’ll repair it.
In the event that a power surge damages computer equipment, electrical damage up to the limit stated in the policy will be covered.
If window glass is broken, we’ll cover materials, transport and installation up to the limit stated in the policy.
If your business is broken into cash is stolen from a locked cabinet, we’ll compensate you up to the and limit stated in the policy. If a customer is mugged on your premises, we’ll cover up to €200 per person.
If you’re robbed on the way to the bank to deposit the day’s business earnings, we’ll compensate you up to the limit stated in the policy.
If your business computer is accidentally dropped and breaks, we’ll cover its repair or the purchase of a new one.
If the keys to your premises are stolen, we’ll send an emergency locksmith to change the lock.
Basic covers | Building/Refurbishment works | Content |
|---|---|---|
Fire, explosion, fire service, lightning strike, spillage, etc. | x | x |
Loss of rent | up to €9,000 | x |
Cover supplements (Local protection in the event of a major loss, return of the insured in the event of a major loss and contact with repairers) | x | x |
Eviction | -- | 10% of the sum insured |
Surveillance costs | (up to €3,000) | |
Parked vehicles | -- | 100% of the sum insured |
Aesthetic damage | up to €60,000 | x |
File replacement | 10% of the sum insured | 10% of the sum insured |
Extension of covers: vandalism, flooding, extreme weather events, etc. | 100% of the sum insured | 100% of the sum insured |
Liability and bonds | up to €600,000 | |
Water damage | 100% of the sum insured | |
Property insured for private use | x | €500 |
Electrical damage | up to €60,000 | |
Damage to the building caused by robbery or attempted robbery | up to €50,000 | x |
Breakage of windows, glass and signs | up to €15,000 | |
Optional covers | Building/Refurbishment works | Content |
|---|---|---|
Machinery and computer failure | x | up to €60,000 |
Loss of profits and refrigerated goods | x | |
Theft and robbery and legal defence | x | |
x Included
x Not included
x Optional
Whenever you need to, you can view the sums insured and the cover included in your policy in your BS Online private area. To do so, enter the private area and select the product you wish to view.
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How can I cancel my policy?
We have several phone numbers or channels for different products. You can view all of them here.
How long do I have to cancel my insurance?
If it’s an annual renewable policy, remember that you can inform us that you want to cancel the policy up to 1 month prior to the renewal date.
Building is the structure, i.e. all the structural elements and materials that are part of the construction of the premises, workshop or office, from the pipes to the flooring.
Content includes all the possessions inside a premises, workshop or office, including: furniture, electronic devices, refrigerated goods, computer equipment, valuables, etc.
Reporting a Shops claim is very simple. You can do it over the phone. Click here to find out everything you need to know to report a Shops loss.
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*Covers and services subject to the policy’s terms, conditions, limitations and exclusions as set out in the terms and conditions and schedule.
Shop Protection is a policy issued by BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, holder of Tax ID No. A-64194590, with registered office at Calle Isabel Colbrand 22, 28050 Madrid. Registered in the Madrid Companies Register and in the Insurance Entities Register of the Directorate-General of Insurance and Pension Funds (DGSFP) under code C-0767.
Insurance brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., holder of Tax ID No. A-03424223, with registered office at Avenida Óscar Esplá, 37, 03007 in Alicante, and registered in the Alicante Companies Register and in the Administrative Register of Insurance and Reinsurance Distributors of the Directorate-General of Insurance and Pension Funds (DGSFP) under code OV-0004, having taken out a liability insurance policy pursuant to prevailing regulations on private insurance and reinsurance distribution.
