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Business insurance

Civil liability and protection for your business.

Every type of civil liability cover, multi-risk insurance for offices and professional practices, and a complete policy for SMEs. Tailored to the size, activity and real risks of your business.

Civil liability, the first insurance any business needs

Any professional activity carries the risk of causing harm to a third party: a client, a supplier, an employee or a passer-by. Civil liability insurance steps in for you when that happens, and it comes in several forms depending on where the risk comes from: professional, public, employer's, product and accident liability, always with legal defence and damages recovery.

In addition to civil liability, we offer multi-risk insurance for offices and professional practices and a complete policy for SMEs that adds theft, loss of profits, loss of rent and machinery breakdown.

If your business is a shop selling to the public, see our shops & retail insurance, designed specifically for retail activities.

Professional working on a laptop in warm light: business insurance in Andorra

Three solutions for your business

Civil liability

Every type of liability

The essential cover for any business activity.

  • Professional liability
  • Public liability
  • Employer's liability
  • Product liability
  • Accident liability
  • Legal defence and damages recovery
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Multi-risk

Office / Professional practice

For your workspace.

  • Fire, explosion and lightning
  • Electrical and smoke damage
  • Water damage, including tracing and repairing the leak
  • Vandalism and flooding
  • Breakage of glass, marble, signs and sanitaryware
  • Experts' fees, replacement of files
  • Costs of fire extinguishing, demolition and debris removal
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SME

Complete policy

Everything a small or medium-sized business needs.

  • Public and employer's liability
  • Product liability and property owner's liability
  • Liability for vehicles on test and entrusted items
  • Theft, robbery and damage
  • Loss of profits and loss of rent
  • Electronic equipment and machinery breakdown
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Why insure your business with Assega

01

A single point of contact

With Assega you always deal with the same person for any procedure: taking out the policy, changes and claims. We spare you the tedious dealings with the insurer's departments.

02

Leading insurers

We work with the leading insurers in financial protection and compare between them to recommend the best product for you.

03

Optimised cover and cost

Flexible policies that adapt to your real needs, so you don't pay for cover you don't need.

Frequently asked questions

What is the difference between professional liability and public liability?
Professional liability covers damage arising from an error or negligence in the provision of your professional service (advice, a project, a treatment). Public liability covers damage to third parties that occurs simply as a result of carrying on your business (a fall on your premises, damage caused by an employee). Many businesses need both.
What does employer's liability cover?
Claims from your own employees for workplace accidents for which the company is civilly liable.
I have employees who work outside the office. Are they covered?
Yes, as long as you tell us when you take out the policy: on the quote form we ask whether you carry out work away from your premises, in Andorra or abroad, so that we can adjust the cover.
What are liability for vehicles on test and liability for entrusted items?
They are covers included in the SME policy: they cover damage to customers' vehicles that you test or handle (garages, dealerships) and to items that customers entrust to you to work on.
Does it cover loss of income if I have to stop trading?
Yes, the SME policy includes loss of profits and loss of rent cover for business interruption following an insured event.

Protect your business and your employees.

Tell us about your business activity and the size of your company, and we'll propose the right cover.

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