Zurich Comercios — Multi-Risk Insurance for Shops, Venues and Commercial Premises
Technical parameters
Cost
Cost Price: Calculated individually based on the activity, turnover, premises, limits and chosen guarantees
Period: annual, with automatic renewal
| General Category Characteristics | |
| Parameter | Value |
| Type of insurance | Multi-risk for commercial premises |
| Coverage object | Premises, equipment, stock, liability |
| Customisation | Tariff tailored to the specific activity |
| Civil liability | Can be included or added depending on the policy configuration |
| On-site assistance | Professionals available 24 hours, 365 days a year |
| Zurich Comercios Specifications | |
| Parameter | Value |
| Sector versions | Offices, hospitality, hair salons, training centres and other activities |
| Property risks | Fire, water, theft, electrical damage, shopfront breakage |
| Loss of profit | Can be included as a guarantee to compensate closure after a covered claim |
| Liability | General, operational, employer’s, legal defence |
| Home delivery | Coverage of claims for damage during deliveries |
| Digital service | Policy management and free legal consultation in the app |
A policy that adapts to your shopfront, your kitchen or your office
Zurich Comercios is a multi-risk insurance built to fit each activity rather than a single template. A coffee shop, a hair salon, a consultancy office and a training centre face different threats, so the policy is assembled from sector blocks: for hospitality, the terrace and refrigeration equipment; for the salon, mirrors and the risk of a client’s allergy; for the office, computers and servers. Coverage can span three zones at once — the premises themselves, their contents including stock, and civil liability toward visitors — depending on the policy configuration. This way you pay only for the guarantees you truly need, without duplicating protection.
The policy’s key value appears at the moment of a claim, when the business risks coming to a halt. After a fire or a flood, Zurich Comercios may indemnify damage to the premises and spoiled stock and, when the corresponding guarantee is taken out, compensate lost profit for the days of forced closure within the contracted period. The 24-hour service 365 days a year sends a locksmith, an electrician or a security guard, and after a broken shopfront it repairs the glass and, if needed, may arrange security for the premises during the restoration subject to the policy conditions. Civil liability can be included in the policy: if a client slips and is injured or someone else’s property is damaged during the activity, the insurer takes on the claims within the limit.
Why take out Zurich business insurance through MG Seguros
- Direct exclusive agent of Zurich.
- Advice in Russian, Spanish and English.
- Cover selection by activity (actividad/CNAE).
- Verification of civil liability (RC) limits.
- Support in the event of a claim.
Typical tasks that this policy solves
Agent's opinion