Insurance for Companies and the Self-Employed: We protect your business so that you only have to worry about growing.

Comprehensive protection for your business, employees and assets.

What we offer

Compulsory insurance for the self-employed, Liability for SMEs, Cybersecurity for business

We take care of what drives your business: your employees, your assets, your investment and your peace of mind. Our insurance policies for companies and the self-employed are designed to accompany your growth and protect you in the face of every challenge, always with the strength and backing of Generali.

Professional Liability - Sanitary
Professional CR - Technology
Professional CR - Architecture/Engineering
Professional CR - Consultancy
Professional Liability - Legal
Professional CR - Marketing

How we will work

Express diagnosis (15-30 min): we identify objectives, risks and budget quickly and clearly.
Comparative proposal: I show you transparent alternatives, with easy-to-understand coverage and exclusions.
Guided registration: we manage the documentation without complications and correctly activate your guarantees.
Claims defence: I coordinate with loss adjusters and suppliers, always defending your interests.
Annual review: I optimise your policies, adjust capitals and eliminate the unnecessary so that you only pay for what really matters.

What my clients say

Federico is not just a Generali insurance advisor, he is a friend! I have never seen such an honest and helpful advisor, he solved everything for me, and every time I had a question he answered promptly. I highly recommend him, he is excellent

Running a business like Motos Ayllon requires you to be on a thousand things at once, and the last thing you want is for insurance to be a headache. Since Federico has been managing my policies, that worry has simply disappeared. He is not the typical agent who sells you a piece of paper and forgets about it; Fede really gets involved, understands the needs of a freelancer and gives you clear and straightforward solutions. I have both my full business and home insurance with him, and the peace of mind knowing that everything is covered and well managed by someone proactive is total. Knowing that you have a trusted expert just a WhatsApp away, for better or worse, is priceless. I recommend it without a second's hesitation.

I was fortunate to get to know Fede not only as my insurance advisor, but also as a great person and now a friend. From the very first moment he proved to be someone I could trust, always attentive to every detail and to my needs, looking for the best option with dedication and transparency. You can tell that he is passionate about his work and that he does it with honesty and commitment. In addition to being an excellent professional, he is a person who is approachable, friendly and authentic. I fully recommend him to those who are looking for solutions.

I would like to highlight Federico's excellent service as an insurance advisor. From the first moment he was very professional, clear and patient in explaining all the options, resolving each of my doubts with total transparency. He helped me to choose the most suitable coverage for my needs, always with good predisposition and cordial treatment. It gives a lot of confidence to deal with someone who really cares about the customer and not just to sell. I would definitely recommend 100%, a first class advisor!

Excellent attention, service and advice in contracting the insurance and then in case of any doubt he always gave me his answer quickly and efficiently to solve and manage the paperwork. My personal rating is a 10!

1. What insurances are compulsory to register as a self-employed person in Spain?

Not all insurances are compulsory for all self-employed, but if you have employees, the Accident Insurance Agreement is imperative. In addition, if you have a company or local vehicle, you will need their respective insurances. Although it is not mandatory by law, the Civil Liability (CR) is essential to protect your assets against third party claims.

2. Is health insurance for the self-employed deductible in the tax return?

Yes! This is one of the great tax advantages. You can deduct up to 500 per year per person in personal income tax (you, your spouse and children under 25 who live with you). If you have a disability, the limit increases to €1,500. It's a direct saving while you take care of your health.

3. What is the difference between General Liability and Professional Liability?

The CR General covers damage you may cause in the course of your business (e.g. a client slips in your office). The Professional CR covers purely professional errors or omissions (e.g. an error in an engineering calculation or a failure to give legal advice) that cause financial loss to your client.

4. How much does sick leave insurance (ILT) cost and how much will I get paid if I fall ill?

The price depends on your age, profession and the daily amount you want to insure. The best thing about this insurance is that you decide on compensation daily allowance that you need to cover your fixed expenses if you are unable to work. It also supplements the social security benefit, which is often insufficient to maintain your standard of living.

5. If I work from home, do I need to insure my home as an office?

Traditional home insurance does not usually cover professional activity or work equipment (computers, stock, etc.). Ideally, you should extend your policy or take out a specific home insurance policy. Commerce/Office that covers your civil liability and your professional property against theft or electrical damage.

6. Does the accident insurance cover both professional and personal life?

Yes, our accident insurances provide cover for 24 hours a day, 365 days a year, Whether the accident occurs at work or in your leisure time. It protects you and your family's financial stability in the event of disability or death.

7. What exactly does Cyber Risk insurance cover and why does my company need it?

Today, any company with a computer is at risk. This insurance covers the costs of data recovery after an attack, civil liability for third-party data breaches (RGPD) and even business interruption. It also includes specialised technical assistance to resolve the incident quickly.

8. Is it compulsory to take out a collective agreement insurance policy for my employees?

It depends on your Collective Bargaining Agreement. Most sectoral agreements (construction, hotel and catering, metal, etc.) oblige the company to take out accident insurance for its workers, covering death and disability. Not having it can lead to very serious fines. Contact us and we will review your agreement for free.

9. How can I insure a fleet of company cars and save on premiums?

By grouping all of your company's vehicles (cars, vans, trucks) in a single policy, you will be able to Fleets, In this way, you get a much more competitive price than insuring them one by one, as well as simplifying the administrative management in a single receipt and expiry date.

10. Are directors and officers covered for claims (D&O insurance)?

Not with standard CR insurance. Administrators are liable with their personal wealth against bad management decisions. Directors and Officers (D&O) insurance protects your personal assets against claims from shareholders, employees, creditors or public entities.

11. What are the tax advantages of taking out group health insurance for employees?

It is a 100% expense deductible for the company for corporate income tax purposes. For the employee, it is a remuneration in kind exempt from personal income tax up to €500/year. It is one of the most powerful tools for retaining talent and reduce absenteeism.

12. Does the SME multi-risk insurance cover loss of profit if I have to close temporarily?

Yes, if you take out the Loss of Profit o Lucro Cesante. If you suffer a covered loss (fire, flood) that forces you to close, the insurer compensates you for the income you stop receiving and the fixed expenses that you must continue to pay (rent, payroll, etc.).

13. What does the All Risks Construction insurance include for building works and renovations?

It covers the damage that the work itself may suffer during its execution (fire, theft of materials, atmospheric phenomena, vandalism). It is vital for both the promoter and the builder to ensure that the work is completed without unforeseen cost overruns.

14. Does trade insurance cover theft of cash or safe?

Yes, our trade insurance can include coverage for cash, It is essential to adjust the insured capital to the reality of your business. It is essential to adjust the insured capital to the reality of your business.

15. Do I need goods transport insurance if I use my own or third party vehicles?

The transport law stipulates minimum compensation per kilo, which is usually very low. A transport insurance Goods guarantees to collect the real value of your cargo in case of accident, theft or breakage, regardless of whether the vehicle belongs to you or to a transport agency.

16. Do you have specific insurance for hotels, bars and restaurants?

Yes, designed to cover the real risks of your business: food spoilage in cold stores due to electrical failure, water damage, civil liability for food poisoning and protection of the terrace and outdoor furniture.

17. How long does it take you to send a personalised quote for my business?

I am committed to agility. For most risks, you will have your detailed proposal at less than 24 working hours after our first conversation to understand your needs.

18. In the event of an urgent claim, who should I contact?

Contact directly with me or with my team. You won't have to deal with a 902 number or automatic switchboards. I manage the opening of the claim and coordinate with the loss adjusters to defend your interests and speed up the payment.

19. Can I unify all my company's insurance policies to simplify procedures and payments?

Absolutely. We analyse your entire insurance portfolio (SME, liability, fleet, health...) to unify them, look for unnecessary duplications and optimise costs. To have a single interlocutor saves you time and headaches.

20. Do you carry out a free risk audit before contracting?

Yes, before I can offer you a price, I will do a analysis of your activity to detect risks that you may not have considered. My goal is not just to sell you insurance, but to design a protection plan that guarantees the continuity of your business.