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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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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.

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If you would like more information, visit any of our branch offices.

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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.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

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Frequently asked questions about the insurance policy

How much does your Comprehensive Third-Party Liability Insurance for SMEs and Entrepreneurs Santander MAPFRE cost?

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.

What is operational third-party liability?

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

What is third-party liability for occupational accidents?

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.

What is third-party liability for products?

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

Does the policy cover legal defence costs?

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

Who can take out this insurance policy and does it renew?

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.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

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FAQS

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