{"id":3364,"date":"2016-10-19T15:56:32","date_gmt":"2016-10-19T15:56:32","guid":{"rendered":"https:\/\/assega.com\/en\/?page_id=3364"},"modified":"2026-10-28T11:17:06","modified_gmt":"2026-10-28T11:17:06","slug":"commerce","status":"publish","type":"page","link":"https:\/\/assega.com\/en\/insurance-in-andorra\/commerce\/","title":{"rendered":"Shops &#038; retail insurance in Andorra"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3364\" class=\"elementor elementor-3364 elementor-2663\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86a3c39 e-con-full pg-hero e-flex e-con e-parent\" data-id=\"86a3c39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de0fdb1 elementor-widget elementor-widget-html\" data-id=\"de0fdb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"bg\" style=\"background-image:url(https:\/\/assega.com\/wp-content\/uploads\/2026\/10\/comerc-hero-assegurances-comerc-andorra-botiga-llum-calida.jpg);background-position:50% 50%\"><\/div><div class=\"as-wrap\"><div class=\"pg-crumb\"><a href=\"https:\/\/assega.com\/en\/\">Home<\/a> \u203a <a href=\"https:\/\/assega.com\/en\/#s-serveis\">Insurance<\/a> \u203a <span>Shops &amp; Retail<\/span><\/div><p class=\"as-eyebrow\">Shops &amp; retail insurance<\/p><h1>Your business, protected against the unexpected.<\/h1><p class=\"lead\">Multi-risk insurance designed for retail activities and shops of every kind: it protects your physical assets, your liability to third parties and your income if trading stops because of a claim.<\/p><div class=\"as-actions\"><a class=\"as-btn as-btn-primary\" href=\"https:\/\/assega.com\/en\/quote\/shops-and-retail\/\">Request a quote <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/a><a class=\"as-btn as-btn-ghost\" href=\"tel:+376868622\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 16.9v3a2 2 0 0 1-2.2 2 19.8 19.8 0 0 1-8.6-3.1 19.5 19.5 0 0 1-6-6A19.8 19.8 0 0 1 2.1 4.2 2 2 0 0 1 4.1 2h3a2 2 0 0 1 2 1.7c.1 1 .4 1.9.7 2.8a2 2 0 0 1-.5 2.1L8.1 9.9a16 16 0 0 0 6 6l1.3-1.3a2 2 0 0 1 2.1-.4c.9.3 1.9.6 2.8.7a2 2 0 0 1 1.7 2z\"\/><\/svg> +376 868 622<\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b835ad e-con-full pg-sec e-flex e-con e-parent\" data-id=\"9b835ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27e0cbe elementor-widget elementor-widget-html\" data-id=\"27e0cbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><div class=\"pg-2col\"><div class=\"pg-prose\"><h2>Assets, liability and income: the three pillars of your shop<\/h2><p>Multi-risk shop insurance has one clear purpose: to protect the physical assets of the business \u2014<strong>premises, machinery, furniture and stock<\/strong>\u2014 against the unexpected, cover your <strong>liability for third-party claims<\/strong> and <strong>guarantee your income<\/strong> if you have to stop trading as a result of a claim.<\/p><p>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.<\/p><p>If your activity is service-based or you run an SME with employees, take a look at our <a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/business\/\">business insurance<\/a> too.<\/p><\/div><div class=\"pg-img\"><img decoding=\"async\" src=\"https:\/\/assega.com\/wp-content\/uploads\/2026\/10\/comerc-intro-assegurances-comerc-andorra-mans-paquet-regal.jpg\" alt=\"Hands wrapping a gift in a shop: shops and retail insurance in Andorra\" loading=\"lazy\"><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ec5fab e-con-full pg-sec light e-flex e-con e-parent\" data-id=\"2ec5fab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a7593d3 elementor-widget elementor-widget-html\" data-id=\"a7593d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><h2>All the cover in the shop multi-risk policy<\/h2><p class=\"sub\">Complete cover for your premises, everything inside them and your business activity.<\/p><div class=\"pg-cols\"><h4>Damage to the premises and assets<\/h4><ul><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Fire, explosion and lightning, with full cover for ancillary risks<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Electrical damage to your installations<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Water damage, including locating and repairing faults<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Breakage of glass, signs and sanitaryware<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Cosmetic damage and damage to the building caused by theft<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Replacement of files (non-electronic)<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Electronic equipment and machinery breakdown<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Spoilage of goods in refrigerators<\/span><\/li><\/ul><h4>Theft and money<\/h4><ul><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Theft, robbery and damage<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Goods in shop windows<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Cash in a safe or till<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Robbery during the transport of funds<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Hold-ups of customers and employees<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Theft of employees' belongings<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Employee dishonesty: pilfering, fraud, misappropriation of funds or unlawful appropriation<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Replacement of locks following the theft of keys<\/span><\/li><\/ul><h4>Liability and income<\/h4><ul><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Public and employer's liability<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Product liability<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Property owner's liability<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Loss of profits due to business interruption<\/span><\/li><li><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6L9 17l-5-5\"\/><\/svg><span>Legal defence and damages recovery<\/span><\/li><\/ul><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7555fa e-con-full pg-sec e-flex e-con e-parent\" data-id=\"a7555fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c90704b elementor-widget elementor-widget-html\" data-id=\"c90704b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><h2>Why insure your shop with Assega<\/h2><div class=\"pg-values\"><div class=\"pg-value\"><div class=\"n\">01<\/div><h4>A single point of contact<\/h4><p>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.<\/p><\/div><div class=\"pg-value\"><div class=\"n\">02<\/div><h4>Leading insurers<\/h4><p>We work with the leading insurers in financial protection and compare between them to recommend the best product for you.<\/p><\/div><div class=\"pg-value\"><div class=\"n\">03<\/div><h4>Optimised cover and cost<\/h4><p>Flexible policies that adapt to your real needs, so you don't pay for cover you don't need.<\/p><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3cc5a8 e-con-full pg-sec light e-flex e-con e-parent\" data-id=\"d3cc5a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e331222 elementor-widget elementor-widget-html\" data-id=\"e331222\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><h2>Frequently asked questions<\/h2><div class=\"pg-faq\"><details><summary>What is loss of profits cover?<\/summary><div>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.<\/div><\/details><details><summary>Does it cover the goods in the shop window if there is a theft?<\/summary><div>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.<\/div><\/details><details><summary>What does employee dishonesty mean?<\/summary><div>It covers direct losses caused by pilfering, fraud, misappropriation of funds, embezzlement, forgery or unlawful appropriation committed by the shop's employees.<\/div><\/details><details><summary>What civil liability cover do I need?<\/summary><div>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.<\/div><\/details><details><summary>What information do you need to prepare a quote?<\/summary><div>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 <a href=\"https:\/\/assega.com\/en\/quote\/shops-and-retail\/\">shop quote form<\/a>.<\/div><\/details><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d256ae1 e-con-full pg-cta e-flex e-con e-parent\" data-id=\"d256ae1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2ecaba elementor-widget elementor-widget-html\" data-id=\"f2ecaba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><div><h2>Protect your business.<\/h2><p>A quote tailored to your premises and your activity within 24 hours.<\/p><\/div><div class=\"as-actions\"><a class=\"as-btn as-btn-primary\" href=\"https:\/\/assega.com\/en\/quote\/shops-and-retail\/\">Request a shop quote <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg><\/a><a class=\"as-btn as-btn-outline-w\" href=\"https:\/\/assega.com\/en\/contact-%c2%b7-assega-assegurances-andorra-la-vella\/\">Contact us<\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab538d4 e-con-full pg-sec light e-flex e-con e-parent\" data-id=\"ab538d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b677d5 elementor-widget elementor-widget-html\" data-id=\"1b677d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><h2>You may also be interested in<\/h2><p class=\"sub\">Other Assega insurance in Andorra<\/p><div class=\"pg-rel\"><a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/business\/\"><span class=\"i\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"2\" y=\"7\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M16 21V5a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2v16\"\/><\/svg><\/span>Business Insurance<\/a><a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/house-comunities\/\"><span class=\"i\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 10l9-7 9 7v10a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z\"\/><path d=\"M9 22V12h6v10\"\/><\/svg><\/span>Home &amp; Communities<\/a><a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/vehicle\/\"><span class=\"i\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 17h14M5 17a2 2 0 1 1-4 0 2 2 0 0 1 4 0zm14 0a2 2 0 1 0 4 0 2 2 0 0 0-4 0zM3 11l2-6h14l2 6H3z\"\/><\/svg><\/span>Vehicle Insurance<\/a><a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/health\/\"><span class=\"i\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12h-4l-3 9L9 3l-3 9H2\"\/><\/svg><\/span>Health Insurance<\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":6113,"parent":3348,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3364","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Shops &amp; retail insurance in Andorra | Multi-risk \u00b7 Assega<\/title>\n<meta name=\"description\" content=\"Multi-risk insurance for shops in Andorra: premises, machinery, furniture and stock, civil liability, loss of profits and theft. 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