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Mandatory Employee Life Insurance according to Collective Agreement (Convenio)
Collective Labor Agreements in Spain impose strict obligations on employers regarding staff welfare. If the Convenio Colectivo for your sector mandates life or disability insurance, a standard accident policy will not release you from legal liability. We provide insurance solutions that precisely meet 2026 legal requirements, safeguarding your business against heavy fines and direct claims from employees or their families.
Result
The policy completely satisfies your obligations toward
Labor Inspections and unions. Suitable for all sectors, from construction to professional services.
Labor Inspections and unions. Suitable for all sectors, from construction to professional services.
Price
Scalable Pricing
Costs are calculated based on staff numbers and the specific capital requirements of your agreement. Competitive premiums available even for small businesses.
Costs are calculated based on staff numbers and the specific capital requirements of your agreement. Competitive premiums available even for small businesses.
Timeline
48-Hour Processing
We audit your collective agreement and issue the insurance certificate within two business days after receiving your employee list (TC2).
We audit your collective agreement and issue the insurance certificate within two business days after receiving your employee list (TC2).
In 2026, Spanish authorities have streamlined the verification of mandatory insurance through automated data matching with Social Security records. Lacking this coverage is a serious breach of labor law. Should a claim occur without a valid policy, the business owner is personally liable for payouts that can reach hundreds of thousands of euros. A proper policy must be flexible enough to account for staff turnover and specific regional labor requirements.
Parameter List:
- Strict adherence to the minimum insured sums defined by the current Convenio.
- Automatic inclusion of new hires from their first day of social security registration.
- Comprehensive coverage for death and permanent disability regardless of the cause.
- Official certification in Spanish for immediate presentation to authorities.
- Adjustable risk categories based on the specific professional roles of your staff.
Agent's opinion "Do not assume your current policy is sufficient just because it was signed last year. In 2026, several key sectors have increased their minimum payout requirements. Under-insurance is legally treated the same as having no insurance during an audit or a legal dispute."