Business Insurance in Spain for Expats

Simple, Compliant Cover for Autónomos & Small Businesses

Business insurance in Spain for expats provides essential protection for autónomos and small business owners operating under Spanish regulations.

At UEI, we help self-employed professionals and businesses choose compliant cover by comparing licensed insurers and tailoring policies to their activity and risk profile.

Overview of Expat-Friendly Business Insurance Solutions

Protection Options at a Glance

Professional Liability • Public Liability • Equipment & Property • Combined Packages

We provide business insurance solutions designed for expats operating legally in Spain — from freelancers and consultants to small companies and local service providers.

Ideal for consultants, freelancers, advisors, and service professionals.

  • Covers claims arising from professional errors or negligence
  • Protects against client disputes and financial loss claims
  • Suitable for remote, hybrid, and on-site services
  • Often required by clients or contracts

Ideal for businesses with physical presence or client interaction.

  • Covers bodily injury and third-party property damage
  • Essential for workshops, pop-ups, retail, events, and local services
  • Frequently required by landlords, venues, or municipalities

Ideal for offices, studios, and remote work setups.

  • Covers laptops, tools, machinery, and business devices
  • Protection against theft, fire, and water damage
  • Some plans include business interruption cover

Simplified bundles for complete protection.

  • Professional Liability
  • Public Liability
  • Equipment & Property

Designed to reduce gaps, costs, and complexity.

Reasons International Residents Choose UEI

Why Expats Trust UEI

Independent advice — we work for you, not the insurer
Licensed Spanish insurers only, fully regulated under Spanish law
Clear explanations in English and Spanish
Coverage adapted to visas, tax status, and cross-border work
Transparent pricing with no surprises
Legal and Practical Reasons Business Insurance Matters

Why You Need Business Insurance in Spain

Operating legally in Spain often requires:

Whether you are an autónomo, digital freelancer, consultant, or small business owner, the risks are real — and the right insurance mitigates them.

Standard Business Cover Explained Clearly

What Business Insurance in Spain Typically Covers

Coverage depends on your activity and risk profile — which is why tailored advice matters.

Setting up a business in Spain:

From Quote to Compliance in Four Simple Steps

Simple & Transparent Process

01. Share Your Business Details

Your activity, location, and risk profile.

02. We Compare Best Matches

Only plans that match your business and legal needs.

03. You Choose with Confidence

Clear explanations of coverage, limits, and exclusions.

04. Activate Your Policy

Fast, smooth activation with ongoing support.

Regulatory Context for Doing Business in Spain

Legal & Contractual Requirements

Depending on your business type (autónomo, consultancy, retail, hospitality, events, etc.):

A tailored quote helps ensure compliance and uninterrupted operations.

Official business and investment guidance in Spain:

Fast. Clear. No obligation.

Get Your Personalized Business Insurance Quote






    Independent insurance broker regulated in Spain (DGSFP No. F3480).

    Broader Protection for Expats Running a Business

    Related Insurance Products for Expats

    Many expats combine business insurance with broader protection:

    Life Insurance Spain →
    Home Insurance Spain →
    Car Insurance Spain →
    Clear Answers to Common Expat Insurance Questions

    FAQs — Business Insurance in Spain

    1. Do I need business insurance in Spain?

    Not always legally, but it’s strongly recommended — and often contractually required.

    2.Can I insure my freelance work?

    Yes — professional liability plans cover freelance consulting, advising and remote services.

    3.Does business insurance cover client disputes?

    Professional liability covers errors, omissions and claims from professional services.

    4.Is business insurance required for autónomos?

     Not universally, but specific clients or sectors often require it.

    5.Can I bundle business insurance with other plans?

    Yes — we offer tailored bundles to simplify protection.

    6.How fast can I get a quote?

     Typically within the same day.

    Protect Your Business in Spain with Confidence.

    Compliant. Clear. Built for expats who want to operate legally and confidently in Spain.

    Clear guidance. Real support. Fast results.