Insurances

Comprehensive Third-Party Liability Insurance for SMEs and Entrepreneurs

A customizable and flexible insurance to protect you against possible claims from third parties, with coverages adapted to your business.

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What is it?

What does it offer?

FAQs

An insurance policy to protect your company or business

Our Comprehensive Third-Party Liability Insurance for SMEs and Entrepreneurs Santander MAPFRE is an insurance policy designed to protect your company or business from claims brought by third parties for involuntary damage caused to them by your acts or omissions, whether culpable or negligent.

Key features of our Comprehensive Third-Party Liability Insurance for SMEs and Entrepreneurs Santander MAPFRE

Bespoke coverage for each activity:

Operational Third-Party Liability.
Third-Party Liability for Occupational Accidents.
Third-Party Liability for Products.

Comprehensive coverage for all kinds of claims¹

The Comprehensive Third-Party Liability Insurance for SMEs and Entrepreneurs Santander MAPFRE offers you protection against the following claims². You can choose the ones that best suit your activity:

Tenant’s liability.
Demolition work.
Damage caused to third-party vehicles on the policyholder’s premises.
Damage to the public radio spectrum.
Damage caused by cutting and welding.
Damage to overhead and underground cables and pipelines.
Damage to third-party vessels.
Pollution.
Damage to entrusted property.
Employee infidelity.
Damage to employee property.
Damage or loss of documents, securities and instruments.
Damage to goods transported by crane.
Environmental protection and legal defence: specific coverage for agricultural activities.
Accidents at work due to the fault or negligence of the insured.
Damage caused by products, goods, work or services after they have been delivered, received or provided.

Advantages of Liability Insurance

The insurance policy can also be tailored to your specific needs:

Flexible payment options: annual, half-yearly or quarterly payments, and with no additional charge for paying in instalments.
Freedom to choose the amount you wish to insure.
You decide what types of cover you want to arrange.
Choose freely between various deductible and sublimit options.
Do you export products or services? You are free to expand the geographic coverage of your policy.
Select the duration of the policy based on the activity you carry out.

FAQs

There are various factors that influence the price: declared activity, sum insured, geographical scope, coverage... Pop into your nearest Santander branch to get our best offer.

It means the liability you can incur from running your business.

It covers claims for personal injury by the insured's workers due to accidents at work caused by the fault or negligence of the policyholder.

It covers third-party liability for damage caused by products, goods, work or services after they have been delivered, received or provided.

Your costs are covered for any legal action arising from a claim covered by the policy¹, including legal costs and judicial bonds and deposits.

Self-employed workers and business customers of Banco Santander with annual turnover or income of below 50 million euros.

The insurance policy rolls over automatically each year.

1. Pursuant to the limits, coverage and exclusions included in the contractual terms and conditions of the policy taken out.

2. Subject to the contractual terms and conditions of the insurance policy.

Insurance underwritten by Santander Mediación Operador de Banca-Seguros Vinculado, S.A. ("Santander Mediación"), through its distribution network Banco Santander S.A., under the agency agreement entered into with the insurance company Santander MAPFRE Seguros y Reaseguros, S.A. Santander Mediación is a company registered with the Directorate General of Insurance and Pension Funds under no. OV-0042, and has civil liability and financial capacity insurance in accordance with current legislation.

You can check the insurance companies with which Santander Mediación has an Agency Agreement for the distribution of insurance products at www.santandermediacionobsv.com.