{"id":3368,"date":"2016-10-20T07:56:26","date_gmt":"2016-10-20T07:56:26","guid":{"rendered":"https:\/\/assega.com\/en\/?page_id=3368"},"modified":"2026-10-28T11:17:06","modified_gmt":"2026-10-28T11:17:06","slug":"business","status":"publish","type":"page","link":"https:\/\/assega.com\/en\/insurance-in-andorra\/business\/","title":{"rendered":"Business insurance in Andorra"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3368\" class=\"elementor elementor-3368 elementor-2673\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-570678d e-con-full pg-hero e-flex e-con e-parent\" data-id=\"570678d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ec7d57 elementor-widget elementor-widget-html\" data-id=\"2ec7d57\" 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\/empreses-hero-assegurances-empreses-andorra-empresari-posta-de-sol.jpg);background-position:50% 40%\"><\/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>Business<\/span><\/div><p class=\"as-eyebrow\">Business insurance<\/p><h1>Civil liability and protection for your business.<\/h1><p class=\"lead\">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.<\/p><div class=\"as-actions\"><a class=\"as-btn as-btn-primary\" href=\"https:\/\/assega.com\/en\/quote\/business\/\">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-fc3d477 e-con-full pg-sec e-flex e-con e-parent\" data-id=\"fc3d477\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a933dc elementor-widget elementor-widget-html\" data-id=\"9a933dc\" 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>Civil liability, the first insurance any business needs<\/h2><p>Any professional activity carries the risk of causing harm to a third party: a client, a supplier, an employee or a passer-by. <strong>Civil liability<\/strong> insurance steps in for you when that happens, and it comes in several forms depending on where the risk comes from: <strong>professional<\/strong>, <strong>public<\/strong>, <strong>employer's<\/strong>, <strong>product<\/strong> and <strong>accident<\/strong> liability, always with legal defence and damages recovery.<\/p><p>In addition to civil liability, we offer <strong>multi-risk insurance for offices and professional practices<\/strong> and a <strong>complete policy for SMEs<\/strong> that adds theft, loss of profits, loss of rent and machinery breakdown.<\/p><p>If your business is a shop selling to the public, see our <a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/commerce\/\">shops &amp; retail insurance<\/a>, designed specifically for retail activities.<\/p><\/div><div class=\"pg-img\"><img decoding=\"async\" src=\"https:\/\/assega.com\/wp-content\/uploads\/2026\/10\/empreses-intro-assegurances-empreses-andorra-professional-portatil.jpg\" alt=\"Professional working on a laptop in warm light: business 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-0ea1be9 e-con-full pg-sec light e-flex e-con e-parent\" data-id=\"0ea1be9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2811d34 elementor-widget elementor-widget-html\" data-id=\"2811d34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"as-wrap\"><h2>Three solutions for your business<\/h2><div class=\"pg-tiers\"><div class=\"pg-tier hl\"><div class=\"tag\">Civil liability<\/div><h3>Every type of liability<\/h3><p class=\"d\">The essential cover for any business activity.<\/p><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>Professional 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>Public 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>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>Accident 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>Legal defence and damages recovery<\/span><\/li><\/ul><a class=\"as-btn as-btn-primary\" href=\"https:\/\/assega.com\/en\/quote\/business\/\">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><\/div><div class=\"pg-tier\"><div class=\"tag\">Multi-risk<\/div><h3>Office \/ Professional practice<\/h3><p class=\"d\">For your workspace.<\/p><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<\/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 and smoke 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>Water damage, including tracing and repairing the leak<\/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>Vandalism and flooding<\/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, marble, 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>Experts' fees, replacement of files<\/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>Costs of fire extinguishing, demolition and debris removal<\/span><\/li><\/ul><a class=\"as-btn as-btn-dark\" href=\"https:\/\/assega.com\/en\/quote\/business\/\">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><\/div><div class=\"pg-tier\"><div class=\"tag\">SME<\/div><h3>Complete policy<\/h3><p class=\"d\">Everything a small or medium-sized business needs.<\/p><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 and 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>Liability for vehicles on test and entrusted items<\/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, 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>Loss of profits and loss of rent<\/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><\/ul><a class=\"as-btn as-btn-dark\" href=\"https:\/\/assega.com\/en\/quote\/business\/\">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><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62039d2 e-con-full pg-sec e-flex e-con e-parent\" data-id=\"62039d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd6b2fd elementor-widget elementor-widget-html\" data-id=\"bd6b2fd\" 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 business 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-1ef24f8 e-con-full pg-sec light e-flex e-con e-parent\" data-id=\"1ef24f8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b87a452 elementor-widget elementor-widget-html\" data-id=\"b87a452\" 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 the difference between professional liability and public liability?<\/summary><div>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.<\/div><\/details><details><summary>What does employer's liability cover?<\/summary><div>Claims from your own employees for workplace accidents for which the company is civilly liable.<\/div><\/details><details><summary>I have employees who work outside the office. Are they covered?<\/summary><div>Yes, as long as you tell us when you take out the policy: on the <a href=\"https:\/\/assega.com\/en\/quote\/business\/\">quote form<\/a> we ask whether you carry out work away from your premises, in Andorra or abroad, so that we can adjust the cover.<\/div><\/details><details><summary>What are liability for vehicles on test and liability for entrusted items?<\/summary><div>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.<\/div><\/details><details><summary>Does it cover loss of income if I have to stop trading?<\/summary><div>Yes, the SME policy includes loss of profits and loss of rent cover for business interruption following an insured event.<\/div><\/details><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6781c83 e-con-full pg-cta e-flex e-con e-parent\" data-id=\"6781c83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-95c955b elementor-widget elementor-widget-html\" data-id=\"95c955b\" 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 and your employees.<\/h2><p>Tell us about your business activity and the size of your company, and we'll propose the right cover.<\/p><\/div><div class=\"as-actions\"><a class=\"as-btn as-btn-primary\" href=\"https:\/\/assega.com\/en\/quote\/business\/\">Request a business 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-9fe1a66 e-con-full pg-sec light e-flex e-con e-parent\" data-id=\"9fe1a66\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03d537d elementor-widget elementor-widget-html\" data-id=\"03d537d\" 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\/commerce\/\"><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=\"M6 2L3 6v14a2 2 0 0 0 2 2h14a2 2 0 0 0 2-2V6l-3-4z\"\/><path d=\"M3 6h18M16 10a4 4 0 0 1-8 0\"\/><\/svg><\/span>Shops &amp; Retail Insurance<\/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><a href=\"https:\/\/assega.com\/en\/insurance-in-andorra\/life\/\"><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=\"M20.8 4.6a5.5 5.5 0 0 0-7.8 0L12 5.6l-1-1a5.5 5.5 0 0 0-7.8 7.8l1 1L12 21l7.8-7.6 1-1a5.5 5.5 0 0 0 0-7.8z\"\/><\/svg><\/span>Life 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":6125,"parent":3348,"menu_order":6,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3368","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>Business insurance in Andorra | Liability &amp; SMEs \u00b7 Assega<\/title>\n<meta name=\"description\" content=\"Insurance for businesses in Andorra: professional, public, employer&#039;s and product liability, office and SME multi-risk. 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