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Insurance of business
Expertología by Caser business
Specific solutions for each type of activity. With a 24h/7d telephone number manned by experts in commerce, so that, when you need it, you always have a quick and effective response.
We call you for free
Expert insurance for every business
Because a pharmacy is not the same as a bar.
Exclusive telephone number
A team of retail experts at your disposal 24/7.
Agile solutions
So that your business doesn't stop.
The art of having an expert insurance in agile solutions for your business
Because every second counts and costs...with Expertología by Caser business you ensure expert attention for your business 24h/7d.
1. An unforeseen event arises
Imagine that due to a power failure you have no electricity and you have to close down or you lose your electronic recipes, food... Your business can't stop! What do you do? Call us!
Because in an unforeseen event, every second counts and it costs!
2. Call the team of Experts
Because behind every call you have a team of Business Experts, 24h/7d, so that unforeseen events affect your income and your business as little as possible.
Because an expert gives you the best solution, in the shortest possible time!
3. We give you agile solutions
Do you get graffiti? We go and clean it up Does your air conditioning or machinery break down? Do you need a plumber or electrician to help you with the daily maintenance? We'll come and do it for you. Are you being burgled? We'll provide you with a security guard...
Because you need expert and agile solutions!
What covers does Caser's Business Insurance include?
Every business is different and yours needs solutions 100% adapted to your activity. That's why Expertología by Caser business knows, and includes, the cover your business needs.
And as this insurance is for you, you choose the package of guarantees you want for your business: Basic, Comfort or Premium, which one is yours?
Basic |
Comfortable |
Premium |
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Fire, explosion and lightning strike |
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Fire, explosion and lightning strike |
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Extension of guarantees |
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Extension of guarantees |
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Other damages |
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Other damages |
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Water damage |
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Water damage |
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Basic civil liability |
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Basic civil liability |
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Commercial assistance |
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Commercial assistance |
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Computer assistance |
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Computer assistance |
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Basic legal protection |
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Basic legal protection |
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Bricomerce |
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Bricomerce |
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Theft and burglary
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Theft and burglary
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Electrical damage, machinery breakdown and damage to refrigerated goods |
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Electrical damage, machinery breakdown and damage to refrigerated goods |
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Breakages and aesthetic damage |
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Breakages and aesthetic damage |
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Loss of profits and forced eviction |
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Loss of profits and forced eviction |
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Comprehensive civil liability |
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Comprehensive civil liability |
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Personal accidents
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Personal accidents
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Comprehensive legal protection |
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Comprehensive legal protection |
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Covid help |
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Covid help |
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Climacaser New |
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Climacaser New |
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Graffiti cleaning Exclusive |
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Graffiti cleaning Exclusive |
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Complete water damage |
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Complete water damage |
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Extension of breakages |
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Extension of breakages |
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Extension of theft and burglary |
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Extension of theft and burglary |
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Technology services |
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Technology services |
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Extended IT assistance |
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Extended IT assistance |
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Transport of goods and vehicles in garages |
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Transport of goods and vehicles in garages |
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Co-payment Caser Integral Health
Here we detail the additional amounts that you must pay when you use the following services. Remember that the first 10 insured copayments per insured per year are free, you will only pay from the 11th on.
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Co-payment Caser Integral Health
Here we detail the additional amounts that you must pay when you use the following services. Remember that the first 10 insured copayments per insured per year are free, you will only pay from the 11th on.
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Co-payment Caser Integral Health
Here we detail the additional amounts that you must pay when you use the following services. Remember that the first 10 insured copayments per insured per year are free, you will only pay from the 11th on.
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Co-payment Caser Integral Health
Here we detail the additional amounts that you must pay when you use the following services. Remember that the first 10 insured copayments per insured per year are free, you will only pay from the 11th on.
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
Primary care: general medicine, paediatrics and nursing |
€2 |
What covers does Caser's Business Insurance include?
Every business is different and yours needs solutions 100% adapted to your activity. That's why Expertología by Caser business knows, and includes, the cover your business needs.
And as this insurance is for you, you choose the package of guarantees you want for your business: Basic, Comfort or Premium, which one is yours?
Basic
Comfortable
Premium
Fire, explosion and lightning strike
Extension of guarantees
Other damages
Water damage
Basic civil liability
Commercial assistance
Computer assistance
Basic legal protection
Bricomerce
Theft and burglary
Electrical damage, machinery breakdown and damage to refrigerated goods
Breakages and aesthetic damage
Loss of profits and forced eviction
Comprehensive civil liability
Personal accidents
Comprehensive legal protection
Covid help
Climacaser New
Graffiti cleaning Exclusive Exclusive
Complete water damage
Extension of breakages
Extension of theft and burglary
Technology services
Extended IT assistance
Transport of goods and vehicles in garages
- Fire, explosion, and lightning strike: Covers damage to insured property resulting from the direct action of fire, explosion, or lightning strike.
- Extended coverage: Covers damage to insured property caused by atmospheric phenomena, vandalism, smoke or soot, impact by animals or land, sea, or air vehicles, sonic booms from aircraft, and damage due to accidental leakage or discharge from automatic fire extinguishing systems due to a malfunction.
- Other damages: Covers damage to property resulting from an incident covered under Fire, Explosion, Lightning, and Extended Coverage for the following items: salvage operations and expenses to mitigate the consequences of the incident; expenses arising from measures taken by the Authorities or the Insured to extinguish or prevent the spread of the fire; demolition and debris removal to the nearest authorized site; costs to obtain required permits or licenses to rebuild the insured premises; professional fees (architects, legal advisors, or other necessary specialists) for restoring the insured premises; and duly justified expenses for reconstructing non-digital records and documents.
- Water damage: Covers direct material damage caused by leakage, bursting, breakage, overflow, or blockage of water distribution or drainage pipes, heating and cooling installations, fixed water tanks, omission of closing taps or valves, and expenses for locating the source of the fault (including resealing it), due to accidental and unforeseen causes when they result in a covered loss. Also includes plumbing labor and materials needed to repair or replace damaged systems in the insured premises, up to €500 per incident.
- Basic civil liability: Covers:
Property Civil Liability (if the building is insured): as the owner of the insured premises and installations; as co-owner for damages to common areas; for construction, renovation, or decoration works; for signs, awnings, and antennas installed at the premises or property. Tenant Civil Liability (if contents are insured): for material damage to the premises resulting from fire, explosion, smoke, or water damage, when the Insured is the tenant. Water damage liability: if the building is insured, for damages from leakage, bursting, breakage, overflow, or blockage of water systems, heating/cooling installations, and fixed tanks. If contents are insured, covers damage from non-fixed installations or devices and unintentional omission of turning off taps or valves. Also includes legal defense and bail.
Business assistance: Covers the dispatch of professionals in case of a claim, as well as requests for technicians by the insured. Includes emergency locksmith, plumbing, electrical services, and security personnel when due to an incident, the premises are left easily accessible.
IT assistance: Up to 5 computers or servers. Covers: one annual check-up per computer, help with software and hardware issues at user level, assistance using applications and the computer, configuration services, and for servers, manual remote preventive maintenance.
Basic legal protection: Covers legal expenses incurred by the Insured in administrative, judicial, or arbitration proceedings specifically outlined in this coverage: claims for damages and defense of rights related to the business premises.
Handyman services (Bricomercio): For example, if you need to change a tap or replace a lock, our professional team will go to your business, including labor. Tasks include: installation of cable-concealing channels, furniture assembly, replacing door locks, installation of power outlets, etc. - Theft and robbery: If the building is insured: Covers destruction, disappearance, or damage due to theft, attempted theft, or robbery of doors, windows, shutters, ceilings, walls, or floors of the insured premises and annexes, including terraces not built with textile or flexible materials, and fixed installations (water, gas, electricity). If contents are insured: Covers destruction, disappearance, or damage to insured items due to theft or robbery inside the premises, annexes, or display windows. Covers employee-owned items, damage to cash registers, and theft/robbery of cash from safes, locked furniture, cash registers, gaming machines, tobacco machines, and similar. Also covers theft/robbery of cash, securities, funds in transit, and muggings affecting customers and employees.
- Electrical damage, machinery breakdown, and refrigerated goods deterioration:
Electrical damage: Covers damage to the insured building and/or contents from short circuits or abnormal current, as long as caused by electricity or lightning strike, even if no fire results. Machinery and electronic equipment breakdown: Covers internal and external material damage due to accidental and unforeseen causes, provided the equipment is in the insured premises and essential for the business or adds value.
Refrigerated/frozen goods deterioration: Covers damage to stock stored in refrigeration units at the insured premises. - Breakage and aesthetic damage:
Breakages: Of glass, windows, mirrors, and crystal substitutes on doors, windows, shopfronts, annexes, terrace enclosures, marble, sanitary ware (bathtubs, sinks), signs, and lightboxes, provided they’re not merchandise and are part of the insured building. Includes breakage of acrylic furniture or machinery parts.
Aesthetic damage: Covers aesthetic restoration of the furniture and affected area after a covered loss. - Loss of profits and forced evacuation:
Forced evacuation: Due to a covered event under Fire, Explosion, Lightning, Water Damage, or Extended Coverage, covers expenses for renting a similar property, temporary relocation, and storage of salvaged items. Coverage is limited to one year. Also covers rental income lost during repairs if the property becomes unusable due to a covered loss.
Daily loss of profits: If the insured premises is a pharmacy and the Loss of Profits coverage is contracted, losses from electronic prescription sales due to covered electrical damage or power outages will be covered. - Comprehensive civil liability: Includes liability from operating the insured business, Employer’s Liability, Product and Completed Works Liability, Directors and Managers Liability, liability related to public establishments, and liability for work performed outside the premises.
- Personal accidents: Covers death or permanent absolute disability of the Insured or employees registered with Social Security due to an accident at the insured premises during work activities.
- Comprehensive legal protection: Guarantees: criminal defense, defense against administrative sanctions, defense in Social Security procedures and Labor Inspections, claims for breach of service contracts affecting the business, and employment contract claims.
- COVID assistance: If the business has fewer than 12 employees, the insured receives compensation of €30 per day for up to 15 days during medical leave due to COVID-19 for themselves or any employee. Proof required: medical leave documents, PCR or serology test, or equivalent medical proof, and official employment documentation (e.g., TC-2 form).
- Climacaser: Includes travel and 1 hour of labor by a technician for repairs to air conditioning or heating systems located on the insured premises.
- Graffiti cleaning: If your facade is vandalized with graffiti, we will go to your location and clean it.
- Comprehensive water damage: Covers: pipe repair and unblocking even without visible damage, excess water consumption resulting from a covered water damage event, leakage due to defective sealing, leaks and infiltration through roofs, terraces, and exterior walls from rain, hail, or snow regardless of intensity, spills of liquids other than water, and pipe breakage due to freezing.
- Extended breakage: Includes breakage of solar panels and artistic glass that are part of the building, curved display glass, and vitroceramic cooktops, including their operating mechanisms if inseparable from the glass.
- Extended theft and robbery: This coverage guarantees: replacement of keys and locks, employee dishonesty, and increased fixed amounts (employee-owned property, damage to cash registers, theft of cash, securities, or similar from safes, locked furniture, cash registers, cash in transit, and muggings of customers and employees).
- Technology services: Includes the following services: security suite (Bit Defender or similar), mobile device antitheft, cyber risk support, digital monitoring, internet presence reports, digital footprint removal, GDPR compliance assessment, and data recovery.
- Extended IT assistance: Expands the number of covered computers and/or servers to up to 10 units, under the same conditions as the IT Assistance coverage.
- Transport of goods and vehicles in garage:
Land transport of goods: Covers destruction, material damage, and disappearance of insured goods transported in the Insured's vehicles.
Vehicles in garage: Covers direct material damage to the Insured's motor vehicles due to fire, explosion, or lightning while at rest inside the insured premises’ garage or annexes.
INSURABLE ACTIVITIES
Footwear and/or shoes
Leather goods, bags and accessories
Fur
Watches and/or costume jewellery (not jewellery)
Tailoring Dressmaker
Sale of personal clothing without leather
Roast meat and poultry Roast meat and poultry
Food self-service
Butcher's poultry
Catering and prepared food
Delicatessen and cheese
Fruit and/or vegetable shop
Nuts and/or Sweets
Ice Cream and Frozen Food
Herbalist and/or Dietetics
Other Food Products
Bakery and/or Pastry Shop
Fish and Seafood
Wines and/or Liquors
Public Market
Frozen Food
Car and Motorcycle Accessories
Car showroom and sale of cars and motorbikes, motorbikes
Mechanical Workshop
Sale of boats and accessories
Exhibition and sale of mopeds and bicycles
Bazaar
Tobacconist
Pharmacy and Parapharmacy
Ironmongery, Electrical Material, Plumbing and Sanitation
Hypermarket or Supermarket
Computers
Musical Instruments
Jewellery
Toys
Newspaper kiosk
Bookshop Stationery and press
Kiosk on public roads
Gun shop
Sports articles without gun shop
Sports club
Air conditioning and/or satellite dishes
Photography and Studio articles
Electronic Components
White goods
Brown goods
Sale of Computers, Hardware and Software
Sale of alarms and security systems
Sale of mobile telephony
Sale of Computers and components, Computers, Hardware and Software
Sale of mobile telephony and accessories
Teaching centre
Computer academy
Antiques, works of art and alabaster with unit value over 1.000 eur
Carpets and tapestries
Antiques, works of art and alabaster
Decoration, desk and gift items (Sale)
Mattresses
Drugstore Perfumery
Florist and gardening
Household goods
Household linen and haberdashery
Sale of furniture
Sale of music, video and video shop
Typewriters, calculators and similar
Decoration, desk and gift items (Sale) with unit value over 500 eur
Bar
Cafeteria
Pub Music Bar
Restaurant
Some REAL Use Cases
What requests do we handle?
Don’t worry! We’ll cover the travel expenses of a specialized technician and also pay for one hour of labor, so it gets fixed as soon as possible.
In this case, Caser will replace it or compensate you so you can replace it yourself.
Medical Specialities
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Maintaining the exterior appearance of your business is very important, which is why Caser covers the cleaning of the painted facade, covering service costs up to a total of €300.
Medical Specialities
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
An unexpected expense can significantly affect your monthly budget. That’s why, in this case, the business insurance will compensate you for the excess amount on the water bill due to a pipe break, up to a maximum of €1,000.
Medical Specialities
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
If your store is left exposed due to a broken display window, Caser will send a glazier in less than 3 hours to fix it. And if it can’t be repaired right away, we’ll send a security guard.
Medical Specialities
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
Allergology
This is Expertología by Caser Business
Why choose Caser’s Business Insurance?
Because in the face of any unexpected event, you’ll have an entire team ready for you.
With 17 exclusive experts, real people, with names and surnames—available to assist you 24/7.
And with more than 200 specialists to speed up every process.
Because we’re passionate about being by your side in your day-to-day business.
We’ve been insuring the sector for over 35 years. More than 300,000 businesses have already placed their trust in us.
We handle more than 3,000 requests per month.
And we resolve over 15,000 claims every year.
Frequently Asked Questions about Business Insurance
You have access to your exclusive 24/7 business hotline, which you’ll find in your insurance policy. Our team of experts will assist you through it to provide a solution as quickly as possible.
Of course! You only need to insure the parts of the premises you’ve modified, such as with “First-Risk Building” coverage, since if you’re not the property owner, you can skip full “Total Building” coverage. This can also make your insurance more affordable.
Not at all. Our product is fully customizable, allowing you to choose only the packages that best fit your business needs.
Yes, if your chosen insurance plan includes theft and robbery coverage, Caser will take care of repairs or compensation for all resulting damage, including locks, shutters, or broken shop windows. You’ll also be compensated for any stolen goods.
Caser will defend you against any claim, cover the necessary legal fees if it goes to court, and take care of any compensation owed.
· Stock storage establishments.
· Establishments for the repair of goods.
· Establishments for industrial or manufacturing activities.
· Establishments used as garages, whether public or private.
· Establishments used for accommodation, such as boarding houses, hostels and residences.
· Establishments used for shopping centres and public markets.
We can’t give you a fixed price, as it depends on the coverages you choose and the specific needs of your business.
