Regulation, coverage and trends in corporate risk, explained with an independent broker's judgement.
A public liability policy excludes damage to third-party property you hold and to the item you are working on. Two separate sections rescue each situation, and neither covers as much as its name suggests.
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Coordination of business activities is always treated as a paperwork and prevention problem. Nobody explains that the law does not require you to demand an insurance policy, and that your contract should.
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A certificate of insurance proves that a policy existed on the day it was issued. It does not prove that the premium has been paid, that cover is still active, or that it protects the work you have contracted.
Read→A public liability policy excludes damage to third-party property you hold and to the item you are working on. Two separate sections rescue each situation, and neither covers as much as its name suggests.
Read→
In a liability policy, the coverage basis decides which contract responds years later. And the gap does not open inside one policy: it opens between two.
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A liability programme rarely fails inside a policy; it fails between policies. We go through the four borders where the gaps open and what needs checking at each one.
Read→Coordination of business activities is always treated as a paperwork and prevention problem. Nobody explains that the law does not require you to demand an insurance policy, and that your contract should.
Read→A certificate of insurance proves that a policy existed on the day it was issued. It does not prove that the premium has been paid, that cover is still active, or that it protects the work you have contracted.
Read→
Spanish law does not, as a general rule, require a self-employed contractor to carry liability cover. If they are coming onto your site, the level of demand is set by your contract.
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You will not find an average liability insurance premium here, because no public source supports one. What you can establish is which variables build yours, and with what weight.
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An installer's risk does not sit in the workshop. It sits in the third-party asset being worked on and in the plant being entered. The amounts the regulations require in order to trade do not measure that exposure: they are an administrative floor.
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No Spanish rule obliges a self-employed professional to hold liability cover simply for being self-employed. The duty arises from the activity carried out or from the contract signed with the client.
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A bank guarantee and a surety bond guarantee the same thing to a third party, but their financial and operational effect differs. We help you decide which one fits each transaction.
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Surety insurance lets companies post guarantees and bonds to public bodies and clients without using bank risk lines or CIRBE. Here is how it works.
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What trade credit insurance covers, how it differs from surety (caución) insurance and how an independent broker manages your customers' non-payment risk.
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D&O insurance is not a one-size product: it changes with the size and structure of the company. Here is what separates the mid-market from large risks and how to size the limit.
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D&O insurance protects the personal assets of directors and officers against claims arising from their management. We explain what it covers, what it excludes and who needs it.
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Contractors' all risks is not a liability policy: at its core it covers what happens to the works, not what the works do to other people. A map of the layers protecting a project and the hinge that separates them.
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The LOE's decennial guarantee requires liability for ten years for damage affecting a building's stability and structural soundness. We examine its scope, the liable parties and decennial damage insurance.
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Facing a data breach, the GDPR requires notifying the AEPD within 72 hours and, where there is high risk, the data subjects. We explain the obligations and how cyber insurance funds the response.
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Cyber insurance protects the company against a cyberattack in two blocks: first-party losses and third-party liability. Here is how far it reaches.
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