Business combined insurance

Multi-risk industrial insurance for companies

The main menu is now hidden, navigation available in the fixed menu anchor.

What makes our multi-risk industrial insurance different

Our Business combined insurance is a comprehensive industrial multi-risk policy that offers medium and large companies the coverage necessary to protect their activity, in a single product. It includes a legal defence and claims service, and other customisable coverage is also available, depending on your company's economic activity.

Tailor-made protection for your company

Large and medium-sized companies can take advantage of the protection of our multi-risk insurance for companies thanks to the flexibility of its coverage.

In a single multi-risk industrial insurance policy

For your convenience, you will have all the coverage necessary to ensure the proper functioning of your company in a single product.

Possibility of extending coverage

Extend your Business Combined policy with electronic machinery and equipment insurance to ensure 100% performance by your equipment.

Information about any company

Exclusive Iberinform service, with which you will have full information about the company in question before making a business decision.

Includes debt recovery service

Managed through iCollect, this service will help you manage your customer accounts by recovering national and international debts.

What multi-risk industrial insurance covers

Material damage due to fire, explosion or lightning.
Electrical damage to transformer stations, electronic equipment and/or electrical machines.
Extensive risks, such as vandalism or malicious acts, rain, hail, snow, flooding due to breakage or overflowing, smoke and impact of land vehicles.
Water damage, including locating and repairing leaks and malfunctions.
Material damage due to theft, robbery and breakage.
Material and bodily harm caused to third parties, arising from the company's activity and the products it manufactures or markets.

Material damage all risk coverage.
Employee disloyalty.
National and international transport.
Machinery breakdown.
Electronic equipment.
Claim expenses covered.
Cost of extinguishing fire.
Demolition and debris removal expenses.
Cost of replacing files, deeds, etc.
Cost of sludge removal.
Salvage costs.
Additional expenses for overtime.
Professional fees.
Fees for technical experts.
Municipal fire service charge.
Permits and licences.

Employees' effects.
Goods owned by third parties.
Goods temporarily moved.
Lawn, trees and plants
New acquisitions.
Decorative items.
Renovation work.

Some of the guarantees are taken out with excess, but can be modified to suit the needs of each company:

Fire arising from welding.
Electrical damage.
Extensive risks.
Water damage.
Civil liability.
Goods transported.
Damage to vehicle.
Employee disloyalty.
broken windows
Civil liability for loads.
Mechanical failure.
Self-propelled machinery.
Electronic equipment.
Material damage all risk coverage.
Consequential losses.

We support you in the defence of your company's interests.

Legal helpline.
Claims for rights relating to the premises.
Claims for excess in cases of material damage.
Service contract claims.
Defence of your rights before the Insurance Compensation Consortium.
Criminal defence.
Claims for damages.
Defence in administrative matters.
Defence of your interests when dealing with the Labour Inspectorate.
Defence regarding employment contracts.

Services included in Business combined insurance

Grow your business with our advanced analytics solution

Access data for any company in the world, analyse its financial health and minimise commercial risks.

7.6 million companies and self-employed workers.
175,000 updates every day.
3.7 million ratings.

Go to Iberininform

FAQs

Our industrial multi-risk insurance covers the assets and interests that comprise the company's own assets. It includes renovations and improvements made to buildings owned by third parties, provided that they are directly related to production or marketing assets owned by the company and used for its operations.

Building: main or ancillary constructions and their fixed installations (water, gas, electricity, heating, air-conditioning and others forming part of the building). This also includes fixed decorative elements and partition walls.
Equipment and machinery: movable goods and professional office, trade or industrial items, machinery and installed units, tools and equipment needed for the insured profession or activity (machinery, furniture and fittings).
Inventories: raw materials, products in the process of manufacture and finished products, packaging, spare parts, accessories, products for sale and auxiliary materials owned by the insured party and needed for the activity. With the possibility of taking out a floating insurance policy.

The guarantees with excess of this insurance policy, which can be changed depending on your company's economic capacity, are the following:

Fire arising from welding work.
Electrical damage.
Extensive risks.
Water damage civil liability.
Goods transported.
Damage to vehicle.
Employee disloyalty.
broken windows
Civil liability for loads.
Machinery breakdown.
Self-propelled machinery.
Electronic equipment.
Material damage all risk coverage.
Consequential losses.

To access the Legal Advice helpline, you must request it by submitting a claim report. You can request the claim report from your mediator or by calling our helpline on 917 83 83 83.

Once you have signed up for the policy, you will receive an email with the web address and passwords to access Iberinform. From this point on you will have direct access to this service.

FAQs

Business combined insurance

What makes our multi-risk industrial insurance different

Tailor-made protection for your company

In a single multi-risk industrial insurance policy

Possibility of extending coverage

Information about any company

Includes debt recovery service

What multi-risk industrial insurance covers

Consequential material damage and/or loss

Optional coverage

Inclusion of goods

Excess

Claims and legal defence

Services included in Business combined insurance

Iberinform

Grow your business with our advanced analytics solution

FAQs

What does Business Combined insurance cover?

What are insurable assets?

What guarantees are required to be taken out with excess in Business Combined insurance?

How do I request the legal assistance service?

What do I have to do to access Iberinform?

Consult documentation

Maybe you were looking for...

Material damage all risk insurance

Fire Insurance

Burglary/robbery Insurance

Follow us on social media

Download the app

News and advice

Professionals