Business Insurance in Spain for Expatriates
with Mutuarisk Expats

Launching and maintaining a business is exciting but it comes with risks and unexpected situations shouldn’t put your company at stake.

If you’re an expat running or planning to open a business in Spain, Mutuarisk Expats is your trusted partner

As insurance brokers specialized in expatriates, we protect your work, your assets and your peace of mind.

Expat Expertise:

Over 30 years advising expatriates who live, work, or relocate to Spain.

Access to leading insurers:

We partner with top insurance companies to offer you the best insurance solution

Flexible Coverage for every business:

Whether you run an office, shop, are self-employed we tailor policies to fit your activity, size and sector

Tailored Advice:

We evaluate your needs and recommend only what you need. No extras, no gaps.

Support in English

Key Business Insurance Coverages

seguro defensa jurídica

General and Professional Liability

Shield your business from third-party and client claims.

seguro defensa juridica

Legal protection:

Helps cover legal expenses and gives you access to legal support when facing disputes or proceedings.

daños por agua

Property Damage:

Coverage against theft, fire, water damage, electrical damage, and vandalism.

Comprehensive Multi-Risk Insurance:

Protection For offices, shops, or industrial spaces, covering everyday operational risks.

Business Interruption and Loss of Income:

Compensation to keep your business afloat if your activity stops due to a covered event.

responsabilidad civil patronal

Employee and Management Protection:

Accident and assistance insurance both for your team and executive staff.

Why Do You Need Business Insurance in Spain?

Running a business is always a challenge and the last thing you need is unexpected claims, damages or crisis putting everything at risk

The right business insurance protects your investment and shields you from headaches allowing you to focus on growing your business with total confidence

Mutuarisk Expats: Your Trusted Partner for Safe Business Growth

As an expat in Spain, having the support of an independent, expert broker who understands the unique challenges of expatriates can make all the difference

At Mutuarisk Expats we provide clear, professional advice and tailored protection around your business needs.

Ready to Choose the Best Business Insurance for Expats?

Fill out our form to receive expert, tailored advice on your insurance needs. We’ll help you compare and select the best Business insurance for expatriates in Spain

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FAQ’s about Business Insurance for Expatriates

It’s not mandatory in all cases, but it’s highly recommended. Depending on your business activity, some coverages like liability insurance may be required by law or through contracts. The right policy protects both your personal and business assets from claims, damages, and unexpected losses.

Usually:

  • ID of the owner or company.
  • Business activity and location details.
  • Business size (employees, turnover, premises).
  • Claims history if switching insurers.

Yes. Many of our partner insurers consider your previous experience and claims-free years to offer better coverage or rates. We guide you step by step to make sure you keep every possible advantage.

Premiums depend on activity type, location, turnover, staff, and chosen coverages. We create tailored solutions, always seeking the best price and most suitable protection for your business.

Just contact your personal Mutuarisk Expats manager. We take care of everything, so you can get back to business as soon as possible.

Absolutely. We review your business regularly to adapt your policy to new activities, locations, or services.

Yes. Policies can include legal protection and coverage against claims from both third parties and employees.