{"id":2039,"date":"2025-06-24T15:10:40","date_gmt":"2025-06-24T15:10:40","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=2039"},"modified":"2025-07-14T14:40:18","modified_gmt":"2025-07-14T12:40:18","slug":"sme-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/","title":{"rendered":"SME insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Seguros_para_PYMES_Guia_Basica_y_Completa_para_Proteger_tu_Empresa\" >Insurance for SMEs: A Basic and Complete Guide to Protecting Your Business<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#%C2%BFPor_que_es_importante_contratar_un_seguro_para_tu_PYME\" >Why is it important to take out insurance for your SME?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Tipos_esenciales_de_seguros_para_PYMES\" >Essential types of insurance for SMEs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Responsabilidad_Civil\" >Civil Liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Seguro_Multirriesgo\" >Multi-risk insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Ciberriesgo\" >Cyber risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Accidentes_Laborales\" >Accidents at work<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Interrupcion_de_Negocio\" >Business Interruption<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Seguro_de_Flota\" >Fleet Insurance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Coberturas_Opcionales_que_No_Debes_Pasar_Por_Alto\" >Optional Coverages You Shouldn't Overlook<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Factores_que_Afectan_el_Precio_de_la_Prima_del_Seguro\" >Factors Affecting the Price of Insurance Premiums<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#%C2%BFCuanto_cuesta_un_seguro_para_una_PYME\" >How much does it cost to insure an SME?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Recomendaciones_para_Elegir_el_Seguro_Adecuado_para_tu_Empresa\" >Recommendations for Choosing the Right Insurance for Your Business<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#Consejos_para_Evitar_Errores_Comunes_al_Contratar_un_Seguro\" >Tips for Avoiding Common Insurance Mistakes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#%C2%BFComo_Evitar_Clausulas_Abusivas_en_los_Seguros\" >How to Avoid Abusive Insurance Clauses?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/lawebdeseguros.com\/en\/company-insurances\/sme-insurance\/#En_resumen\" >In a nutshell<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Seguros_para_PYMES_Guia_Basica_y_Completa_para_Proteger_tu_Empresa\"><\/span>Insurance for SMEs: A Basic and Complete Guide to Protecting Your Business<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As an entrepreneur, one of the most important concerns is to make sure that your business is protected against any eventuality. The right insurance not only ensures the continuity of your business, but also gives you peace of mind that you will be covered against potential claims and losses. In this article, we'll explain in simple terms everything you need to know about SME insurance, how to choose the right one and how to avoid the most common mistakes.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_es_importante_contratar_un_seguro_para_tu_PYME\"><\/span>Why is it important to take out insurance for your SME?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Every small and medium-sized business needs adequate protection to cover at least its liability to third parties. Without insurance, you are exposed to risks that can jeopardise the stability of your business. From damage to your premises to claims for accidents occurring in the course of business, a properly taken out insurance policy can make the difference between your business continuing or closing down.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tipos_esenciales_de_seguros_para_PYMES\"><\/span>Essential types of insurance for SMEs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Responsabilidad_Civil\"><\/span>Civil Liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This insurance is essential, as it protects your business against claims from third parties for damage you may cause to other people or their property. For example, if a customer has an accident on your premises or if your products cause damage to another business, this insurance would cover legal costs and compensation. In activities involving customer service or the operation of machinery, liability insurance is usually compulsory.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Seguro_Multirriesgo\"><\/span>Multi-risk insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Multi-risk insurance covers material damage to your facilities, machinery and goods against events such as fire, theft, atmospheric phenomena or vandalism. In addition, it also includes debris removal and salvage services, which can be crucial for business continuity after an incident.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ciberriesgo\"><\/span>Cyber risk<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>IT risk is increasingly prevalent in the digital world. This insurance protects your business against cyber attacks, data theft and the disruption of IT services that could affect your business. If your business relies on computer systems to operate, this insurance is especially important.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Accidentes_Laborales\"><\/span>Accidents at work<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This insurance covers your employees or freelancers in case of injury, disability or medical expenses resulting from accidents occurring during their working day. If your sector requires it, this insurance is mandatory and guarantees the safety and well-being of your team.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Interrupcion_de_Negocio\"><\/span>Business Interruption<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In the event that a covered loss prevents the normal operation of your business, business interruption insurance will compensate you for the loss of profits and the fixed costs you must continue to pay during the period when you are unable to operate.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Seguro_de_Flota\"><\/span>Fleet Insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If your company has several vehicles, this insurance covers both damage to the vehicles and civil liability arising from their use. There are different types of coverage, such as third party or comprehensive insurance, depending on your company's needs.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Don't risk your business, or your peace of mind<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Take out insurance for your SME now and protect it against unforeseen events, damage and claims.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=No+arriesgues+tu+empresa%2C+ni+tu+tranquilidad\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"Coberturas_Opcionales_que_No_Debes_Pasar_Por_Alto\"><\/span>Optional Coverages You Shouldn't Overlook<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In addition to basic insurance, there are optional coverages that can be key to further protect your business:<\/p>\n<ul>\n<li>Theft of cash funds and plundering of assets.<\/li>\n<li>Machinery breakdowns and electrical damage.<\/li>\n<li>Loss of profits due to strikes or shortages.<\/li>\n<li>Legal defence and claims for unpaid invoices.<\/li>\n<li>Aesthetic damage to furniture and installations.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Factores_que_Afectan_el_Precio_de_la_Prima_del_Seguro\"><\/span>Factors Affecting the Price of Insurance Premiums<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When taking out insurance for your SME, it is important to take into account certain factors that influence the cost of the premium:<\/p>\n<ul>\n<li><strong>Turnover and number of employees:<\/strong> A larger company or a company with higher revenues will have a higher premium.<\/li>\n<li><strong>Insured value of property, machinery and goods:<\/strong> The higher the value of your assets, the higher the coverage and therefore the higher the cost.<\/li>\n<li><strong>Sector of activity and geographical location:<\/strong> Some sectors have higher risks than others, and the location of your business can also affect the premium.<\/li>\n<li><strong>Accident history and prevention measures:<\/strong> Companies with a lower claims record tend to pay lower premiums. In addition, having preventive measures in place, such as alarms or fire extinguishers, can reduce the cost.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_cuesta_un_seguro_para_una_PYME\"><\/span>How much does it cost to insure an SME?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The price of insurance can vary depending on a number of factors. However, to get a general idea:<\/p>\n<ul>\n<li>A basic insurance policy covering civil liability and property damage (multi-risk) can cost between \u20ac300 and \u20ac600 per year for a microenterprise.<\/li>\n<li>A complete package including multi-risk, cyber-risk and accident can cost between \u20ac800 and \u20ac1,500 per year.<\/li>\n<li>For companies with higher exposure or valuable assets, the premium can exceed \u20ac2,000 per year.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Recomendaciones_para_Elegir_el_Seguro_Adecuado_para_tu_Empresa\"><\/span>Recommendations for Choosing the Right Insurance for Your Business<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When taking out insurance for your SME, it is essential that you consider the following tips:<\/p>\n<ul>\n<li><strong>Define the main risks of your business:<\/strong> Make sure you cover what is most at risk, such as premises, vehicle fleet or computer data.<\/li>\n<li><strong>Adjust the coverage and capital to the reality of your company:<\/strong> Make sure that the coverages are sufficient to protect your assets and activities.<\/li>\n<li><strong>Compare different offers:<\/strong> Don't just go with the first option you find. Compare offers from different insurance companies and specialised brokers.<\/li>\n<li><strong>Check exclusions and waiting periods:<\/strong> Pay special attention to clauses related to cyber risks and accidents.<\/li>\n<li><strong>Check the possibility of franchising:<\/strong> In some cases, accepting a higher deductible may reduce the premium, but make sure that the savings offset the impact of a possible smaller claim.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Consejos_para_Evitar_Errores_Comunes_al_Contratar_un_Seguro\"><\/span>Tips for Avoiding Common Insurance Mistakes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Often, companies make mistakes when taking out insurance, which can lead to problems in the future. Some of the most common mistakes include:<\/p>\n<ul>\n<li><strong>Failure to review conditions in detail:<\/strong> Small print can hide clauses that are detrimental to your business.<\/li>\n<li><strong>Failure to adapt coverage to actual needs:<\/strong> Some companies opt for coverage that is too general and does not cover all the risks of their activity.<\/li>\n<li><strong>Not knowing the optional coverages:<\/strong> Often, additional cover can be cheaper than it seems and offer important additional protection.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_Evitar_Clausulas_Abusivas_en_los_Seguros\"><\/span>How to Avoid Abusive Insurance Clauses?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Unfair terms can seriously affect the protection offered by the insurance. Be sure to check every point of the contract and, if necessary, consult an advisor to explain the more complex terms. Sometimes insurers include clauses that limit coverage or waive liability in situations that could be relevant to your business.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"En_resumen\"><\/span>In a nutshell<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Good SME insurance not only protects you from unforeseen events, but also allows you to manage your business risks efficiently. From liability to cyber risk insurance, it is essential that you analyse your needs and choose the right coverages for your business.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-warning\" ><div class=\"vc_message_box-icon\"><i class=\"fas fa-question-circle\"><\/i><\/div><p>If you are unsure about which insurance is best for you, we recommend that you <a href=\"https:\/\/lawebdeseguros.com\/en\/contact\/\"><strong data-start=\"7494\" data-end=\"7532\">contact us<\/strong><\/a> Your peace of mind comes first!<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Tailor-made solutions for small and medium-sized companies. Protect your business, assets, employees and legal liability with modular coverages according to your sector and size.<\/p>","protected":false},"author":2,"featured_media":2554,"parent":1899,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[21],"class_list":["post-2039","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-de-empresa","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2039","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=2039"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/2039\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1899"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2554"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=2039"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=2039"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}