After more than ten years Working in the insurance sector, at PIB Group Iberia we understand the specific challenges of the commercial sector and adapt to meet your precise needs.
We are trusted by more than 200,000 customers who have already chosen our insurance and benefited from comprehensive and tailored cover to every business. All this, moreover, with the backing provided by our belonging to a leading international group in the sector.
Our business and commercial insurance in Valencia you protect against the unexpected which can affect both your premises and your daily operations. In this regard, they cover damage to installations, equipment and goods, and offer backing against theft, vandalism, fires or floods, among others. They also help you manage business interruptions to avoid financial losses and provide you with support in the event of third-party claims.
That is why at PIB Group Iberia we offer from a multi-risk insurance that covers all these risks and gives you comprehensive protection, up to more specific policies that cover specific situations.
Depending on the sector, the type of activity, the number of employees and the size of the premises, among other aspects, each business faces different risks and has specific needs. At PIB Group Iberia we analyse these particularities to offer you flexible and tailored policies, combining basic cover with optional extras depending on the type of business.
Whether you run a restaurant, a small shop or an office building, we can design business insurance that fully protects your premises. This flexibility allows each client to have a tailor-made insurance policy that guarantees peace of mind and support against any eventuality.
Protect your premises and its contents against structural damage, furniture or stock resulting from fires or water leaks, guaranteeing a swift solution.
It covers losses caused by thefts and damage caused by acts of vandalism, including shoplifting inside the premises and damage to shop windows or fittings.
It offers protection for computers, cash registers, control systems and other essential technological equipment for retail business operations.
It includes storm, flood, hail or strong wind damage that may affect the property.
It guarantees payment of claims made by third parties for material or personal injury arising from business activities.
It compensates for the financial losses resulting from the temporary suspension of activity following a covered loss, ensuring financial stability.
(*) The information contained in this page is for information purposes only and does not constitute a binding offer. The final terms and conditions of any insurance cover are detailed exclusively in the specific policy issued. In the event of discrepancies, the terms and conditions stipulated in the specific policy shall prevail.
To take out health insurance, the insurer will ask you to complete a health questionnaire. Based on your answers, they will assess the risk and offer you personalised conditions for your policy.
If you already have an illness before you take out insurance, the insurer will assess it specifically. They may ask for medical reports and decide whether to cover or exclude it. On the other hand, if the illness appears once the insurance has been taken out, it should be covered.
Normally you must go to doctors and centres approved by your insurer. For some tests or operations, prior authorisation may be required, which you arrange directly with the company.
A waiting period is an initial period during which you cannot use certain coverages of your health insurance. However, at PIB Group Iberia we also work with group policies with no waiting periods or special periods without them, allowing you to use them fully from day one, except in the case of pregnancy.
You should always look for a policy that meets your real needs. Evaluate coverage, gaps, medical insurance and, above all, how the price will evolve in the coming years. Sometimes cheap can be expensive, that's why having professional help like the one we offer you at PIB Group Iberia can be key.
It is common for premiums to rise over time, but not all premiums rise equally. Group insurance tends to have more moderate increases. For example, after childbirth, an increase may be 40% for an individual policy, compared to 3-6% for a group policy.
In addition, prices, coverage, conditions and the quality of the medical team can vary greatly between insurers. For this reason, it is important to seek the advice of a professional to help you make the right choice, as in our case.
Resolve your queries
If you have any questions, please feel free to fill in our form to tell us what you need. At PIB Group Iberia we will analyse your case and advise you from the very beginning.
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