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How to protect your cash and stock from thieves without overpaying for unnecessary options?
When burglars break into a shop or office, the damage is rarely limited to stolen items. Broken storefronts, damaged shutters, and destroyed equipment often cost more than the loot itself. Standard insurance policies often contain hidden limits on cash or require specific security systems that you only discover when a claim is rejected. We provide a solution that covers not only the loss of property but also vandalism and business interruption losses.
Who is it for?
Retail stores, offices, pharmacies, and warehouses. The policy adapts to landlord requirements and the specific nature of your stock, whether it is electronics or fashion.
What is the cost?
From €200 to €450 per year for SMEs. The final amount depends on equipment value, alarm presence, and the location of the premises.
Payout timelines
Damage assessment begins within 24 hours of the incident. Emergency compensation for lock and glass repairs is paid out immediately.
In 2026, insurance companies have tightened their security requirements. To receive a full payout, simply locking the door is no longer enough. It is crucial that the contract distinguishes between theft, burglary, and robbery, as the legal definition determines the compensation amount. We help you structure your policy so that any situation, from a night break-in to a daytime robbery, is covered without ambiguity.
- Existence of certified locks or security shutters on the facade.
- Separate limits for cash kept inside and outside a safe.
- Inclusion of vandalism and interior damage caused during a break-in.
- Protection for portable equipment such as employee laptops.
- Coverage for the replacement of keys and documents following an incident.
Agent's opinion "Many business owners forget that insurance may not apply if cash is left in the register overnight instead of being moved to a safe. In 2026, we recommend including a 'Money in Transit' clause if you take your daily earnings to the bank yourself, covering one of the most common risk areas."
Mikhail G., Business Insurance Expert in Spain