{"id":2093,"date":"2024-09-20T06:54:58","date_gmt":"2024-09-20T06:54:58","guid":{"rendered":"https:\/\/grupobaeza.net\/business-insurance\/"},"modified":"2026-10-21T17:33:45","modified_gmt":"2026-10-21T17:33:45","slug":"business-insurance","status":"publish","type":"page","link":"https:\/\/grupobaeza.net\/en\/business-insurance\/","title":{"rendered":"Business Insurance"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;Secci\u00f3n&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;gcid-23167eaf-b011-4232-9129-7c6d549fd916&#8243; background_enable_image=&#8221;off&#8221; height_tablet=&#8221;auto&#8221; height_phone=&#8221;auto&#8221; height_last_edited=&#8221;off|desktop&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; custom_padding_tablet=&#8221;0px||0px||false|false&#8221; custom_padding_phone=&#8221;0px||0px||false|false&#8221; background_last_edited=&#8221;off|desktop&#8221; 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_module_preset=&#8221;df96b77a-cd4f-44a8-a771-2d6347592b53&#8243; header_font_size=&#8221;67px&#8221; header_2_font=&#8221;Archivo|600|||||||&#8221; header_2_font_size=&#8221;67px&#8221; header_2_line_height=&#8221;1.2em&#8221; custom_margin=&#8221;||0px||false|false&#8221; header_font_size_tablet=&#8221;50px&#8221; header_font_size_phone=&#8221;48px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;50px&#8221; header_2_font_size_phone=&#8221;42px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; header_2_font_size__hover_enabled=&#8221;off|desktop&#8221;]<\/p>\n<h2>Business<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;41d5859c-fbaa-458a-88e4-5d886857f235&#8243; text_font=&#8221;Archivo|500|||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; background_enable_color=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||15px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;10px||10px||true|false&#8221; text_font_size_tablet=&#8221;16px&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|tablet&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We know that your company is your effort and dedication, which is why we offer insurance that is tailored to your concerns and needs.<br \/><span>We are well aware of the business world and the risks arising from its activity<\/span><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjUzIiwiZW5hYmxlX2h0bWwiOiJvZmYifX0=@&#8221; button_text=&#8221;Contact us&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;center&#8221; 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background_horizontal_offset=&#8221;-8%&#8221; background_last_edited=&#8221;on|desktop&#8221; use_background_color_gradient_phone=&#8221;off&#8221; background_color_gradient_direction_tablet=&#8221;180deg&#8221; background_enable_image_phone=&#8221;off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;none&#8221; custom_padding_tablet=&#8221;||0px||false|false&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;65263bcd-cd0e-4d58-987e-8678c94b2c3a&#8221; header_4_text_align=&#8221;center&#8221; text_orientation=&#8221;left&#8221; max_width=&#8221;49%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>We protect your business and your employees<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;df96b77a-cd4f-44a8-a771-2d6347592b53&#8243; header_2_font=&#8221;Archivo|700|||||||&#8221; header_2_text_color=&#8221;#010101&#8243; header_2_font_size=&#8221;45px&#8221; header_2_line_height=&#8221;1.1em&#8221; max_width=&#8221;49%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; custom_margin=&#8221;||8px||false|false&#8221; hover_enabled=&#8221;0&#8243; header_2_font_size_tablet=&#8221;42px&#8221; header_2_font_size_phone=&#8221;36px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>Discover our business insurance policies<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;41d5859c-fbaa-458a-88e4-5d886857f235&#8243; text_font=&#8221;Archivo|500|||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; background_enable_color=&#8221;off&#8221; max_width=&#8221;49%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||15px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;10px||10px||true|false&#8221; text_font_size_tablet=&#8221;16px&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|tablet&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We offer solutions for every risk in your business: liability, protection of premises and stock, transport of goods and insurance for the people on your team. Below you will find a guide to reviewing your insurance layer by layer, with examples by sector in Mallorca.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;none&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#736F6F&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; custom_padding_tablet=&#8221;||30px||false|true&#8221; custom_padding_phone=&#8221;20px|17px|25px|17px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;display: flex;||flex-direction: column;||justify-content: space-between;&#8221; border_radii=&#8221;on|15px|15px|15px|15px&#8221; border_width_all=&#8221;3px&#8221; border_color_all=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221; 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header_3_line_height=&#8221;1.4em&#8221; header_4_font=&#8221;Archivo|800||on|||||&#8221; header_4_text_align=&#8221;center&#8221; header_4_text_color=&#8221;#FFFFFF&#8221; header_4_font_size=&#8221;20px&#8221; header_4_letter_spacing=&#8221;2px&#8221; header_4_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; header_3_font_size_tablet=&#8221;20px&#8221; header_3_font_size_phone=&#8221;17px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;20px&#8221; header_4_font_size_phone=&#8221;17px&#8221; header_4_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h3>Trade Insurance<br \/><\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjIwNTUiLCJlbmFibGVfaHRtbCI6Im9mZiJ9fQ==@&#8221; url_new_window=&#8221;off&#8221; button_text=&#8221;Learn more&#8221; 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box_shadow_color__hover=&#8221;#C21B17&#8243; button_text_color__hover_enabled=&#8221;off|hover&#8221; button_text_color__hover=&#8221;#C21B17&#8243; button_bg_color__hover_enabled=&#8221;off|desktop&#8221; button_bg_color__hover=&#8221;rgba(255,255,255,0.65)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_border_color__hover_enabled=&#8221;off|desktop&#8221; button_border_color__hover=&#8221;#C21B17&#8243;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#C01E0B&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; custom_padding_tablet=&#8221;||30px||false|true&#8221; custom_padding_phone=&#8221;20px|17px|25px|17px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;display: flex;||flex-direction: column;||justify-content: space-between;&#8221; border_radii=&#8221;on|15px|15px|15px|15px&#8221; border_width_all=&#8221;3px&#8221; 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header_3_font=&#8221;Archivo|800||on|||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;2px&#8221; header_3_line_height=&#8221;1.4em&#8221; header_4_font=&#8221;Archivo|800||on|||||&#8221; header_4_text_align=&#8221;center&#8221; header_4_text_color=&#8221;#FFFFFF&#8221; header_4_font_size=&#8221;20px&#8221; header_4_letter_spacing=&#8221;2px&#8221; header_4_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||0px||false|false&#8221; link_option_url_new_window=&#8221;on&#8221; hover_enabled=&#8221;0&#8243; header_3_font_size_tablet=&#8221;20px&#8221; header_3_font_size_phone=&#8221;17px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;20px&#8221; header_4_font_size_phone=&#8221;17px&#8221; header_4_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h3>Transport Insurance<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjIxMzYiLCJlbmFibGVfaHRtbCI6Im9mZiJ9fQ==@&#8221; 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border_radii=&#8221;on|15px|15px|15px|15px&#8221; border_width_all=&#8221;3px&#8221; border_color_all=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221;][et_pb_image src=&#8221;https:\/\/grupobaeza.net\/wp-content\/uploads\/2024\/11\/an-accident-in-workplace-factory-worker-has-accid-2023-11-27-05-18-53-utc-1-scaled.jpg&#8221; title_text=&#8221;Senior Man Checking Blood Pressure With Upper Arm Monitor At Home&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||25px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;534cc526-6274-4e31-9e1a-7f18a5947bf1&#8243; header_3_font=&#8221;Archivo|800||on|||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;2px&#8221; header_3_line_height=&#8221;1.4em&#8221; header_4_font=&#8221;Archivo|800||on|||||&#8221; header_4_text_align=&#8221;center&#8221; header_4_text_color=&#8221;#FFFFFF&#8221; header_4_font_size=&#8221;20px&#8221; header_4_letter_spacing=&#8221;2px&#8221; header_4_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; header_3_font_size_tablet=&#8221;20px&#8221; header_3_font_size_phone=&#8221;17px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;20px&#8221; header_4_font_size_phone=&#8221;17px&#8221; header_4_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h3>Health and accident insurance<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjIxMjQiLCJlbmFibGVfaHRtbCI6Im9mZiJ9fQ==@&#8221; 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locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000000&#8243; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; custom_padding_tablet=&#8221;||30px||false|true&#8221; custom_padding_phone=&#8221;20px|17px|25px|17px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;display: flex;||flex-direction: column;||justify-content: space-between;&#8221; border_radii=&#8221;on|15px|15px|15px|15px&#8221; border_width_all=&#8221;3px&#8221; border_color_all=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221;][et_pb_image src=&#8221;https:\/\/grupobaeza.net\/wp-content\/uploads\/2024\/11\/workers-and-safety-equipment-working-at-heights-wo-2023-11-27-05-09-26-utc-scaled.jpg&#8221; title_text=&#8221;Construction site at sunset&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||25px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;534cc526-6274-4e31-9e1a-7f18a5947bf1&#8243; header_3_font=&#8221;Archivo|800||on|||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;2px&#8221; header_3_line_height=&#8221;1.4em&#8221; header_4_font=&#8221;Archivo|800||on|||||&#8221; header_4_text_align=&#8221;center&#8221; header_4_text_color=&#8221;#FFFFFF&#8221; header_4_font_size=&#8221;20px&#8221; header_4_letter_spacing=&#8221;2px&#8221; header_4_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; header_3_font_size_tablet=&#8221;20px&#8221; header_3_font_size_phone=&#8221;17px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;20px&#8221; header_4_font_size_phone=&#8221;17px&#8221; header_4_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h3>Multi-risk Insurance<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjIxNjMiLCJlbmFibGVfaHRtbCI6Im9mZiJ9fQ==@&#8221; url_new_window=&#8221;off&#8221; button_text=&#8221;Learn more&#8221; button_alignment=&#8221;center&#8221; button_text_last_edited=&#8221;off|desktop&#8221; _builder_version=&#8221;4.27.0&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;996955e7-3529-4a3f-83e8-6d867364a749&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;12px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_width=&#8221;3px&#8221; button_border_color=&#8221;#FFFFFF&#8221; button_border_radius=&#8221;10px&#8221; button_letter_spacing=&#8221;2px&#8221; button_font=&#8221;Archivo|700||on|||||&#8221; button_icon=&#8221;&#xf105;||fa||900&#8243; position_origin_a=&#8221;bottom_center&#8221; position_origin_a_last_edited=&#8221;off|desktop&#8221; position_origin_f_last_edited=&#8221;off|desktop&#8221; position_origin_r_last_edited=&#8221;off|desktop&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;7px|25px|7px|25px|true|true&#8221; positioning_tablet=&#8221;none&#8221; positioning_last_edited=&#8221;off|desktop&#8221; custom_css_main_element=&#8221;min-width:205px&#8221; box_shadow_style=&#8221;preset4&#8243; box_shadow_horizontal=&#8221;4px&#8221; box_shadow_vertical=&#8221;4px&#8221; box_shadow_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; box_shadow_color__hover_enabled=&#8221;off|desktop&#8221; box_shadow_color__hover=&#8221;#C21B17&#8243; button_text_color__hover_enabled=&#8221;off|hover&#8221; button_text_color__hover=&#8221;#C21B17&#8243; button_bg_color__hover_enabled=&#8221;off|desktop&#8221; button_bg_color__hover=&#8221;rgba(255,255,255,0.65)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_border_color__hover_enabled=&#8221;off|desktop&#8221; button_border_color__hover=&#8221;#C21B17&#8243;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#565554&#8243; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; custom_padding_tablet=&#8221;||30px||false|true&#8221; custom_padding_phone=&#8221;20px|17px|25px|17px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;display: flex;||flex-direction: column;||justify-content: space-between;&#8221; border_radii=&#8221;on|15px|15px|15px|15px&#8221; border_width_all=&#8221;3px&#8221; border_color_all=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221;][et_pb_image src=&#8221;https:\/\/grupobaeza.net\/wp-content\/uploads\/2024\/11\/business-agreement-signing-close-up-of-hand-sign-2024-10-03-22-14-44-utc-scaled.jpg&#8221; title_text=&#8221;Businessman and healthcare workers using laptop on a meeting in the office.&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||25px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;534cc526-6274-4e31-9e1a-7f18a5947bf1&#8243; header_3_font=&#8221;Archivo|800||on|||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;2px&#8221; header_3_line_height=&#8221;1.4em&#8221; header_4_font=&#8221;Archivo|800||on|||||&#8221; header_4_text_align=&#8221;center&#8221; header_4_text_color=&#8221;#FFFFFF&#8221; header_4_font_size=&#8221;20px&#8221; header_4_letter_spacing=&#8221;2px&#8221; header_4_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||0px||false|false&#8221; link_option_url_new_window=&#8221;on&#8221; hover_enabled=&#8221;0&#8243; header_3_font_size_tablet=&#8221;20px&#8221; header_3_font_size_phone=&#8221;17px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;20px&#8221; header_4_font_size_phone=&#8221;17px&#8221; header_4_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; 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custom_padding=&#8221;7px|25px|7px|25px|true|true&#8221; box_shadow_style=&#8221;preset4&#8243; box_shadow_horizontal=&#8221;4px&#8221; box_shadow_vertical=&#8221;4px&#8221; box_shadow_color=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; box_shadow_color__hover_enabled=&#8221;off|desktop&#8221; box_shadow_color__hover=&#8221;#C21B17&#8243; button_text_color__hover_enabled=&#8221;off|hover&#8221; button_text_color__hover=&#8221;#C21B17&#8243; button_bg_color__hover_enabled=&#8221;off|desktop&#8221; button_bg_color__hover=&#8221;rgba(255,255,255,0.65)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_border_color__hover_enabled=&#8221;off|desktop&#8221; button_border_color__hover=&#8221;#C21B17&#8243;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Business insurance guide&#8221; _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;50px||50px||true|false&#8221;][et_pb_row _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221; width=&#8221;92%&#8221; max_width=&#8221;940px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221;][et_pb_code _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221;]<\/p>\n<div class=\"gbx\"><pee class=\"gbx-lead\">A business in Mallorca faces very different risks depending on what it does: a kitchen fire has little to do with an accident on a building site or goods damaged in transit. A sound insurance programme is built in layers: first the damage you may cause to others, then your assets and your activity, and finally the people who work with you. This guide helps you review each layer and know what to ask before you sign.<\/pee>\n<nav class=\"gbx-toc\" aria-label=\"In this guide\"><strong>In this guide<\/strong><\/p>\n<ol>\n<li><a href=\"#business-risks-and-the-insurance-that-responds-to-each\">Business risks and the insurance that responds to each<\/a><\/li>\n<li><a href=\"#liability-the-first-layer\">Liability: the first layer<\/a><\/li>\n<li><a href=\"#multi-risk-and-trade-cover-protecting-premises-and-contents\">Multi-risk and trade cover: protecting premises and contents<\/a><\/li>\n<li><a href=\"#business-continuity-planning-for-the-day-after\">Business continuity: planning for the day after<\/a><\/li>\n<li><a href=\"#transporting-goods\">Transporting goods<\/a><\/li>\n<li><a href=\"#health-and-accident-cover-for-your-team\">Health and accident cover for your team<\/a><\/li>\n<li><a href=\"#examples-by-sector-in-mallorca\">Examples by sector in Mallorca<\/a><\/li>\n<li><a href=\"#review-your-business-insurance-in-ten-minutes\">Review your business insurance in ten minutes<\/a><\/li>\n<li><a href=\"#a-close-team-in-three-offices\">A close team, in three offices<\/a><\/li>\n<li><a href=\"#business-insurance-faq\">Business insurance FAQ<\/a><\/li>\n<\/ol>\n<\/nav>\n<h2 id=\"business-risks-and-the-insurance-that-responds-to-each\">Business risks and the insurance that responds to each<\/h2>\n<div class=\"gbx-table\">\n<table>\n<thead>\n<tr>\n<th>Risk<\/th>\n<th>Usual insurance<\/th>\n<th>More information<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Damage to customers, suppliers or third parties caused by your activity<\/td>\n<td>Liability insurance<\/td>\n<td><a href=\"https:\/\/grupobaeza.net\/en\/liability\/\">Liability insurance<\/a><\/td>\n<\/tr>\n<tr>\n<td>Fire, water damage, theft or damage to premises, machinery or stock<\/td>\n<td>Multi-risk<\/td>\n<td><a href=\"https:\/\/grupobaeza.net\/en\/multi-risk\/\">Multi-risk insurance<\/a><\/td>\n<\/tr>\n<tr>\n<td>Shop or premises with furniture, goods and public access<\/td>\n<td>Business property insurance<\/td>\n<td><a href=\"https:\/\/grupobaeza.net\/en\/business-property\/\">Trade insurance<\/a><\/td>\n<\/tr>\n<tr>\n<td>Loss or damage to goods in transit<\/td>\n<td>Transport insurance<\/td>\n<td><a href=\"https:\/\/grupobaeza.net\/en\/transport\/\">Transport insurance<\/a><\/td>\n<\/tr>\n<tr>\n<td>Accidents and health of your team<\/td>\n<td>Health and accident<\/td>\n<td><a href=\"https:\/\/grupobaeza.net\/en\/health-and-accidents\/\">Health and accident insurance<\/a><\/td>\n<\/tr>\n<tr>\n<td>Loss of income if someone cannot work<\/td>\n<td>Illness or accident allowance<\/td>\n<td><a href=\"https:\/\/grupobaeza.net\/en\/illness\/\">Illness cover<\/a><\/td>\n<\/tr>\n<tr>\n<td>Boats, boatyards, clubs and marinas<\/td>\n<td>Nautical insurance<\/td>\n<td><a href=\"https:\/\/grupobaeza.net\/en\/nautical-insurance\/\">Nautical insurance<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<pee>The right combination depends on your activity, premises and number of employees. A good starting point is a review of what you already have.<\/pee>\n<h2 id=\"liability-the-first-layer\">Liability: the first layer<\/h2>\n<pee>Liability insurance covers, within the agreed limits, damage you cause to third parties in the course of your business, along with associated legal defence. Depending on your business, more than one type may matter:<\/pee>\n<ul>\n<li><strong>Operations liability:<\/strong> damage that occurs on your premises or in the normal course of activity, such as a customer who is injured.<\/li>\n<li><strong>Employer&#8217;s liability:<\/strong> claims from your own employees after a workplace accident.<\/li>\n<li><strong>Products and completed work liability:<\/strong> damage that comes to light after you deliver a product or finish a job.<\/li>\n<li><strong>Professional liability:<\/strong> errors or negligence when providing a professional service.<\/li>\n<\/ul>\n<pee>For some activities this cover can be required by law or by contract. Check what your customers, your landlord or the authorities ask of you.<\/pee>\n<h2 id=\"multi-risk-and-trade-cover-protecting-premises-and-contents\">Multi-risk and trade cover: protecting premises and contents<\/h2>\n<pee>Multi-risk insurance protects your business assets against the main risks: fire, water damage, theft, weather events and other material damage, depending on what you choose. There are packages for small and medium-sized businesses and all-risk property damage options for more complex companies.<\/pee><pee>In a shop, think carefully about what is insured and for how much:<\/pee>\n<ul>\n<li>The building (if you own it) and the contents (furniture, fittings, machinery).<\/li>\n<li>Stock and goods, which can vary a lot in high season.<\/li>\n<li>Operations liability.<\/li>\n<li>Associated services, such as temporary premises if the business becomes unusable after a claim, depending on the policy.<\/li>\n<\/ul>\n<pee>A frequent mistake is insuring sums below the real value. After a claim, that gap can reduce the payout. Review your sums insured at least once a year.<\/pee>\n<h2 id=\"business-continuity-planning-for-the-day-after\">Business continuity: planning for the day after<\/h2>\n<pee>A claim does not only damage assets; it can also stop activity. Ask specifically what happens to income and fixed costs while repairs are made. Some policies include temporary premises, and there are separate covers for loss of profits or business interruption. Tell us how your business works and we will look at what makes sense for you.<\/pee><pee>Protecting key people is part of continuity too: a temporary incapacity allowance helps offset lost income when a self-employed person or partner cannot work for a period.<\/pee>\n<h2 id=\"transporting-goods\">Transporting goods<\/h2>\n<pee>If your company moves its own or other people&#8217;s goods, two concepts are often confused:<\/pee>\n<ul>\n<li><strong>Cargo insurance<\/strong> protects the value of what is shipped against loss or damage in transit by road, sea or air, at the level of cover chosen (from basic to all-risk).<\/li>\n<li><strong>Carrier&#8217;s liability insurance<\/strong> pays for damage to the cargo when the carrier is liable, with limits set by regulations for each mode of transport.<\/li>\n<\/ul>\n<pee>In international trade, insurance is also part of the customs and shipping process. Ask us if your activity requires it. See our <a href=\"https:\/\/grupobaeza.net\/en\/transport\/\">transport insurance<\/a> page for details.<\/pee>\n<h2 id=\"health-and-accident-cover-for-your-team\">Health and accident cover for your team<\/h2>\n<pee>Collective agreements and company arrangements often provide benefits for death and disability from accidents. Group accident insurance helps meet those commitments and can be extended with other cover. Private health care is also a benefit many companies offer. See our <a href=\"https:\/\/grupobaeza.net\/en\/health-and-accidents\/\">health and accident<\/a> and <a href=\"https:\/\/grupobaeza.net\/en\/health\/\">health insurance<\/a> pages.<\/pee>\n<h2 id=\"examples-by-sector-in-mallorca\">Examples by sector in Mallorca<\/h2>\n<pee>These examples are illustrative: they show what is usually reviewed in each activity and do not describe specific clients.<\/pee>\n<h3>Hospitality and restaurants<\/h3>\n<pee>Kitchens with fire risk, intensive water and electrical installations, customers coming and going all day. Typical checks: multi-risk with contents and equipment properly valued, operations liability for possible harm to customers, and temporary premises after a serious claim. Seasonality changes stock and staff through the year, and the policy should reflect it.<\/pee>\n<h3>Shops and retail<\/h3>\n<pee>Furniture, window displays, goods and public access. <a href=\"https:\/\/grupobaeza.net\/en\/business-property\/\">Trade insurance<\/a> with stock at the right sum, liability and theft cover matter here. For high-value shops such as jewellers there are specific options that insure stock on a first-loss basis.<\/pee>\n<h3>Construction, renovation and trades<\/h3>\n<pee>Work away from the premises, machinery, tools and people on site. Completed work liability and employer&#8217;s liability are key, along with accident cover for workers under the applicable agreement.<\/pee>\n<h3>Marine sector<\/h3>\n<pee>Boatyards, repairers, winter storage companies, yacht clubs and marinas have their own risks, both on third-party vessels and on facilities. Read our <a href=\"https:\/\/grupobaeza.net\/en\/boat-insurance-mallorca-complete-guide\/\">boat insurance guide for Mallorca<\/a> and the <a href=\"https:\/\/grupobaeza.net\/en\/nautical-insurance\/\">nautical insurance<\/a> page.<\/pee>\n<h3>Transport and distribution<\/h3>\n<pee>Vans and lorries, third-party goods and routes that sometimes include ferries. Cargo cover, carrier liability and damage to your own vehicles are reviewed.<\/pee>\n<h3>Farming and food production<\/h3>\n<pee>For agricultural and livestock activities there are specific policies that cover production against weather and other risks. Ask us if it applies to you.<\/pee>\n<h2 id=\"review-your-business-insurance-in-ten-minutes\">Review your business insurance in ten minutes<\/h2>\n<ol>\n<li><strong>Activity:<\/strong> does the policy describe what you do today, including new lines?<\/li>\n<li><strong>Sums insured:<\/strong> do they reflect the real value of contents, machinery and stock?<\/li>\n<li><strong>Liability:<\/strong> are the limits consistent with your size and with what your customers require?<\/li>\n<li><strong>People:<\/strong> is there accident cover for your team and an allowance for key people?<\/li>\n<li><strong>Goods in transit:<\/strong> are they insured while moving?<\/li>\n<li><strong>Excesses and exclusions:<\/strong> do you know what you pay in a typical claim?<\/li>\n<li><strong>Renewal dates:<\/strong> are renewals in your calendar?<\/li>\n<\/ol>\n<div class=\"gbx-note\">For information only. Cover, limits, excesses and exclusions depend on each policy and case. Check the conditions with your broker.<\/div>\n<div class=\"gbx-cta\">\n<h3>We will review your business insurance with you<\/h3>\n<pee>Tell us what your business does and we will look at what you have, what is missing and what is not needed. No obligation, in Palma, Inca or S\u00f3ller.<\/pee>\n<div class=\"gbx-btns\"><a href=\"tel:971720443\">Call us on +34 971 72 04 43<\/a><a href=\"https:\/\/grupobaeza.net\/en\/contact\/\">Request a quote<\/a><\/div>\n<\/div>\n<h2 id=\"a-close-team-in-three-offices\">A close team, in three offices<\/h2>\n<pee>We look after businesses across the island from our offices in <a href=\"https:\/\/grupobaeza.net\/en\/insurance-agency-in-palma-de-mallorca\/\">Palma<\/a> (Avenida Compte Sallent, 20 bajos, tel. 971 72 04 43), <a href=\"https:\/\/grupobaeza.net\/en\/insurance-agency-in-inca\/\">Inca<\/a> (calle Bartomeu Coc, 14, tel. 971 88 35 25) and <a href=\"https:\/\/grupobaeza.net\/en\/insurance-agency-in-soller\/\">S\u00f3ller<\/a> (calle de Bauz\u00e1, 6, tel. 971 63 34 78). We are an exclusive Generali agency and work with them to tailor each policy to your business. If you are self-employed, see our page on <a href=\"https:\/\/grupobaeza.net\/en\/self-employed-insurances\/\">insurance for the self-employed<\/a>.<\/pee>\n<h2 id=\"business-insurance-faq\">Business insurance FAQ<\/h2>\n<details>\n<summary>What insurance does a business need at minimum?<\/summary>\n<div class=\"gbx-a\"><pee>It depends on the activity, but you usually start with liability insurance and cover for the premises and contents (multi-risk or trade). People, transport and other policies are added as needed.<\/pee><\/div>\n<\/details>\n<details>\n<summary>Is liability insurance compulsory?<\/summary>\n<div class=\"gbx-a\"><pee>For certain activities it is required by regulation, and in other cases customers, landlords or contracts ask for it. Even where it is not compulsory it is usually advisable. Check your case with your broker.<\/pee><\/div>\n<\/details>\n<details>\n<summary>What is the difference between trade insurance and multi-risk?<\/summary>\n<div class=\"gbx-a\"><pee>Trade insurance is designed for premises open to the public (furniture, goods, operations liability). Multi-risk is a broader approach to protecting the assets of businesses of different sizes and sectors. We help you choose the one that fits.<\/pee><\/div>\n<\/details>\n<details>\n<summary>What happens to my income if the business stops after a claim?<\/summary>\n<div class=\"gbx-a\"><pee>It depends on the cover chosen. Some policies include temporary premises, and there are specific covers for loss of profits or interruption. Ask about them specifically.<\/pee><\/div>\n<\/details>\n<details>\n<summary>Can I insure goods in transit?<\/summary>\n<div class=\"gbx-a\"><pee>Yes. There are cargo policies with different levels of cover, and carrier&#8217;s liability insurance, which works differently. We review your case.<\/pee><\/div>\n<\/details>\n<details>\n<summary>How is a business policy priced?<\/summary>\n<div class=\"gbx-a\"><pee>It depends on the activity, location, size of the premises, value of insured assets, number of employees and the cover chosen. There is no single figure.<\/pee><\/div>\n<\/details>\n<details>\n<summary>Can employees be insured?<\/summary>\n<div class=\"gbx-a\"><pee>Yes, with group accident insurance, which can respond to what a collective agreement requires, and with health insurance for the team.<\/pee><\/div>\n<\/details>\n<details>\n<summary>Where can I ask for a quote?<\/summary>\n<div class=\"gbx-a\"><pee>Call 971 72 04 43, use the <a href=\"https:\/\/grupobaeza.net\/en\/contact\/\">contact form<\/a> or visit our offices in Palma, Inca or S\u00f3ller.<\/pee><\/div>\n<\/details>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"What insurance does a business need at minimum?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"It depends on the activity, but you usually start with liability insurance and cover for the premises and contents (multi-risk or trade). 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header_font_size=&#8221;20px&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;17px&#8221; header_2_letter_spacing=&#8221;0.6px&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Health<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_6&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_icon font_icon=&#8221;&#xf5e1;||fa||900&#8243; icon_color=&#8221;#000000&#8243; icon_width=&#8221;42px&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||8px||false|false&#8221; global_colors_info=&#8221;{%22gcid-7d9dd2b8-b566-44e0-9f83-92523ed4b22e%22:%91%22icon_color%22,%22icon_color%22%93}&#8221;][\/et_pb_icon][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;19px&#8221; header_font_size=&#8221;20px&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;17px&#8221; header_2_letter_spacing=&#8221;0.6px&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{%22gcid-7d9dd2b8-b566-44e0-9f83-92523ed4b22e%22:%91%22header_2_text_color%22,%22header_2_text_color%22,%22header_2_text_color%22%93}&#8221;]<\/p>\n<p>Car<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_6&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_icon font_icon=&#8221;&#xf21c;||fa||900&#8243; icon_color=&#8221;#000000&#8243; icon_width=&#8221;42px&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||8px||false|false&#8221; global_colors_info=&#8221;{%22gcid-7d9dd2b8-b566-44e0-9f83-92523ed4b22e%22:%91%22icon_color%22,%22icon_color%22,%22icon_color%22%93}&#8221;][\/et_pb_icon][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;19px&#8221; header_font_size=&#8221;20px&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;17px&#8221; header_2_letter_spacing=&#8221;0.6px&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{%22gcid-7d9dd2b8-b566-44e0-9f83-92523ed4b22e%22:%91%22header_2_text_color%22,%22header_2_text_color%22,%22header_2_text_color%22,%22header_2_text_color%22,%22header_2_text_color%22,%22header_2_text_color%22%93}&#8221;]<\/p>\n<p>Motorcycle<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_6&#8243; _builder_version=&#8221;4.27.0&#8243; 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header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;17px&#8221; header_2_letter_spacing=&#8221;0.6px&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{%22gcid-7d9dd2b8-b566-44e0-9f83-92523ed4b22e%22:%91%22header_2_text_color%22,%22header_2_text_color%22,%22header_2_text_color%22,%22header_2_text_color%22,%22header_2_text_color%22,%22header_2_text_color%22%93}&#8221;]<\/p>\n<p>Home<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_6&#8243; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_icon font_icon=&#8221;&#xf067;||fa||900&#8243; icon_color=&#8221;#000000&#8243; icon_width=&#8221;26px&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;12px||12px||true|false&#8221; 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_builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#C01E0B&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;41d5859c-fbaa-458a-88e4-5d886857f235&#8243; text_font=&#8221;Archivo|300|||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;18px&#8221; text_letter_spacing=&#8221;0.5px&#8221; text_line_height=&#8221;1.6em&#8221; link_font=&#8221;|&#8211;et_global_heading_font_weight|||||||&#8221; link_text_align=&#8221;left&#8221; link_text_color=&#8221;#000000&#8243; text_orientation=&#8221;center&#8221; custom_margin=&#8221;-12px||-29px||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; text_font_size_tablet=&#8221;16px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Call us on <a class=\"linkTel titulo3 telefono-rojo\" href=\"tel:971720443\">971 72 04 43<\/a><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Case Studies&#8221; _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; background_color_gradient_start=&#8221;rgba(37,0,48,0.9)&#8221; background_color_gradient_end=&#8221;rgba(0,0,0,0.91)&#8221; background_enable_image=&#8221;off&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;0vw||0vw||true|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;none&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;80px||60px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;65263bcd-cd0e-4d58-987e-8678c94b2c3a&#8221; header_4_text_align=&#8221;center&#8221; text_orientation=&#8221;left&#8221; max_width=&#8221;49%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Access in an agile way<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;df96b77a-cd4f-44a8-a771-2d6347592b53&#8243; header_2_font=&#8221;Archivo|600|||||||&#8221; header_2_text_color=&#8221;#010101&#8243; header_2_font_size=&#8221;50px&#8221; 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questions.<\/span><\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;Report your claim or request assistance&#8221; url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjUzIiwiZW5hYmxlX2h0bWwiOiJvZmYifX0=@&#8221; url_new_window=&#8221;on&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe063;||divi||400&#8243; icon_color=&#8221;#FFFFFF&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;46px&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; image_icon_width_tablet=&#8221;46px&#8221; image_icon_width_phone=&#8221;47px&#8221; image_icon_width_last_edited=&#8221;on|phone&#8221; content_max_width_tablet=&#8221;&#8221; content_max_width_phone=&#8221;&#8221; content_max_width_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.0&#8243; _dynamic_attributes=&#8221;url&#8221; _module_preset=&#8221;default&#8221; 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businesses.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Features&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6f2ea&#8221; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;off|desktop&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;none&#8221; custom_padding=&#8221;||0px||false|false&#8221; custom_padding_tablet=&#8221;||0px||false|false&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;65263bcd-cd0e-4d58-987e-8678c94b2c3a&#8221; 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max_width=&#8221;940px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221;][et_pb_code _builder_version=&#8221;4.27.8&#8243; _module_preset=&#8221;default&#8221;]<!--gbrel--><\/p>\n<div class=\"gbx\">\n<div class=\"gbx-rel\">\n<h3>You may also be interested in<\/h3>\n<ul>\n<li><a href=\"https:\/\/grupobaeza.net\/en\/boat-insurance-mallorca-complete-guide\/\">Boat insurance in Mallorca: complete guide<\/a><\/li>\n<li><a href=\"https:\/\/grupobaeza.net\/en\/self-employed-insurances\/\">Insurance for the self-employed<\/a><\/li>\n<li><a href=\"https:\/\/grupobaeza.net\/en\/liability\/\">Liability insurance<\/a><\/li>\n<li><a href=\"https:\/\/grupobaeza.net\/en\/multi-risk\/\">Multi-risk insurance<\/a><\/li>\n<li><a href=\"https:\/\/grupobaeza.net\/en\/insurance-agency-in-palma-de-mallorca\/\">Insurance agency in Palma<\/a><\/li>\n<li><a href=\"https:\/\/grupobaeza.net\/en\/contact\/\">Contact Grupo Baeza<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<style>\n.gbx{max-width:880px;margin:0 auto;font-family:inherit;color:#1c1c1c;font-size:18px;line-height:1.7}\n.gbx h2{font-size:30px;line-height:1.25;margin:2.2em 0 .6em;color:#1c1c1c;padding-bottom:0}\n.gbx h3{font-size:22px;line-height:1.3;margin:1.6em 0 .4em;color:#992f23}\n.gbx p{margin:0 0 1.1em}\n.gbx ul,.gbx ol{margin:0 0 1.2em 1.2em;padding:0}\n.gbx li{margin:0 0 .45em}\n.gbx a{color:#C21B17;text-decoration:underline;text-underline-offset:2px}\n.gbx a:hover{color:#992f23}\n.gbx .gbx-lead{font-size:20px;background:#f6f2ea;border-left:5px solid #C21B17;padding:18px 22px;border-radius:8px;margin:0 0 1.6em}\n.gbx .gbx-toc{background:#f6f2ea;border-radius:10px;padding:18px 24px;margin:0 0 2em}\n.gbx .gbx-toc strong{display:block;margin-bottom:.4em}\n.gbx .gbx-toc ol{margin:0 0 0 1.2em}\n.gbx .gbx-note{background:#fff7f0;border:1px solid #e8cdb8;border-radius:8px;padding:14px 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