Shops & retail insurance in Andorra

Assets, liability and income: the three pillars of your shop

Multi-risk shop insurance has one clear purpose: to protect the physical assets of the business —premises, machinery, furniture and stock— against the unexpected, cover your liability for third-party claims and guarantee your income if you have to stop trading as a result of a claim.

It is designed specifically for retail activities and for shops of every kind, from a clothes shop to a restaurant or a hairdresser's. Every business is different, so we tailor the cover and sums insured to your premises, your activity and the real value of what you keep there.

If your activity is service-based or you run an SME with employees, take a look at our business insurance too.

All the cover in the shop multi-risk policy

Complete cover for your premises, everything inside them and your business activity.

Damage to the premises and assets

Fire, explosion and lightning, with full cover for ancillary risks
Electrical damage to your installations
Water damage, including locating and repairing faults
Breakage of glass, signs and sanitaryware
Cosmetic damage and damage to the building caused by theft
Replacement of files (non-electronic)
Electronic equipment and machinery breakdown
Spoilage of goods in refrigerators

Theft and money

Theft, robbery and damage
Goods in shop windows
Cash in a safe or till
Robbery during the transport of funds
Hold-ups of customers and employees
Theft of employees' belongings
Employee dishonesty: pilfering, fraud, misappropriation of funds or unlawful appropriation
Replacement of locks following the theft of keys

Liability and income

Public and employer's liability
Product liability
Property owner's liability
Loss of profits due to business interruption
Legal defence and damages recovery

Why insure your shop with Assega

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.

Leading insurers

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

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 loss of profits cover?

If an insured event (a fire, a flood) forces you to close your shop temporarily, loss of profits cover compensates for the income you lose while you are shut. It is what stops an unexpected event from turning into a cash-flow problem.

Does it cover the goods in the shop window if there is a theft?

Yes, goods in shop windows are covered, as is damage to the building, breakage of glass and signs, and replacement of locks if your keys are stolen.

What does employee dishonesty mean?

It covers direct losses caused by pilfering, fraud, misappropriation of funds, embezzlement, forgery or unlawful appropriation committed by the shop's employees.

What civil liability cover do I need?

It depends on your activity: public liability covers damage to third parties arising from your business, employer's liability covers accidents suffered by your employees, product liability covers damage caused by what you sell, and property owner's liability applies if you own the premises. We tailor each one to your case in your quote.

What information do you need to prepare a quote?

Your activity, the address and floor area of the premises, the number of employees, approximate values for the building, furnishings, machinery and stock, and your security measures. You can fill it in using our shop quote form.

Your business, protected against the unexpected.