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Commercial Property Insurance against Fire, Explosion, and Smoke
When fire destroys a warehouse, a restaurant kitchen, or office equipment, the issue isn't just about repairs—it's about business survival. Standard policies often hide limitations regarding smoke damage or water damage from firefighting efforts. We provide coverage that guarantees the full restoration of your assets, ensuring a single incident doesn't lead to bankruptcy.
Result
Full Asset Protection
Suitable for both property owners and tenants. Covers the building structure, interior finishing, expensive machinery, and inventory.
Suitable for both property owners and tenants. Covers the building structure, interior finishing, expensive machinery, and inventory.
Price
Starting from €200/year
ICost depends on floor space, business type, and fire safety measures. An average quote for a small cafe or office ranges between €250 and €400.
ICost depends on floor space, business type, and fire safety measures. An average quote for a small cafe or office ranges between €250 and €400.
Timeline
Policy in 1 Hour
The process is entirely digital. You receive the policy and the certificate for your landlord or bank immediately after approval and payment.
The process is entirely digital. You receive the policy and the certificate for your landlord or bank immediately after approval and payment.
In 2026, insurance companies in Spain have become stricter regarding electrical wiring and ventilation system inspections. Simply “buying a policy” is not enough; the contract must address your specific business risks. For restaurants, grease fire coverage is vital, while for offices, smoke damage to servers is the priority. We select policies that comply with the Civil Code and commercial lease requirements.
- Inclusion of smoke damage risks even without direct fire contact.
- Coverage for professional cleaning and decontamination costs.
- Business interruption compensation to maintain cash flow during repairs.
- Third-party liability for fire spreading to neighboring premises.
Agent's opinion "Check if your policy includes 'Loss of Profits' or business interruption. Often, the renovation costs less than three months of zero revenue. In 2026, we recommend including a daily indemnity clause for forced closure to ensure you can pay salaries and rent while your business is being restored."