What are the deadlines for making a claim?

A period of time may pass between the damage and the claim. As a result, BBVA Allianz CL SME public liability policy covers the damages that take place during the validity of the contract and whose cause occurs after the effective date, and which are reported while the policy is in effect or no later than 12 months (1 year) after the policy expiration date.

What is the duration of BBVA Allianz CL SME Civil Liability Insurance?

The BBVA Allianz RC civil liability insurance contract for self-employed professionals and SMEs is annual and renewable.

When and how do I make payments?

The premium is payable annually by direct debit. You can ask your BBVA adviser about payment plan options.

Which is the geographical scope of the coverage?

Depending on the insured activity or profession, the policy covers incidents that take place in Spain and Andorra, or in the European Union and Andorra. It covers the liability attributable to the Insured involving exhibits, demonstrations, and attendance at fairs, competitions, expositions and the like all around the world, except the US and Canada , that is directly related to the insured industrial, trade or commercial activity.

Who is the insurance company?

Product underwritten by BBVA Allianz Seguros y Reaseguros, S.A.

Who is the intermediary?

BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A. listed in the Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under code OV0060. It has an approved public liability insurance policy.

Insurance product information document

By law, we have to provide you with a standard insurance product information document to help you understand the main features. Open document

Civil Liability insurance for self-employed workers and SMEs

BBVA Allianz CL SME Liability Insurance

Covers indemnities and legal defense costs.
It protects you from possible third-party losses.
You can choose from different indemnity limits.

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What does this civil liability insurance cover?

The civil liability insurance policy for self-employed professionals and companies lets you deal with damage (financial, material and bodily) caused to third parties in the exercise of your profession:

Protect your employees, their work and the self-employed worker from damage caused to third parties in the performance of their work.

Cover possible indemnities in the context of the coverage and the defense costs of responding to possible third-party claims, due to financial, material or bodily damage occasioned during the exercise of your professional or employment activity.

We adapt to your needs. Therefore, depending on the nature of your business activity or your SME's activity, you will have access to certain types of coverage.

Here are a few examples of the coverages that professionals and SMEs can enjoy with civil liability insurance:

Employer's Civil Liability.

Operational Civil Liability.

Cross Liability.

Subsidiary Civil Liability.

Pollution Civil Liability.

Professional Civil Liability.

See all the coverages

Do you want to customize your liability insurance?

You can choose an indemnity limit of up to €2,000,000.

The aggregate yearly limit is three times the insured sum, up to €6,000,000.

The product offers fixed guarantees that you can supplement with optional guarantees to adapt it to your activity or profession.

What are the requirements?

To take out this civil liability insurance you must be self-employed or an SME.

And comply with the following quantitative limits depending on the type of activity:

Maximum turnover of €25,000,000.

Wages up to €3,750,000.

Budget up to €7,500,000.

Up to 2,500 students.

Fees up to €4,500,000.