After Over ten years Working in the insurance sector, at PIB Group Iberia we understand the specific challenges of the commercial sector and adapt to cover your precise needs.
We have the trust of more than 200,000 clients who have already chosen our insurance policies and have benefited from comprehensive and tailored cover to each business. All of this is also backed by our membership in a leading international group in the sector.
Our insurance for shops and businesses in Valencia will They protect against unforeseen events. which can affect both your premises and your daily operations. In this respect, they cover damage to installations, equipment and merchandise and offer protection against theft, vandalism, fires or floods, among others. They also help you manage business interruptions to avoid economic losses and provide support in the event of claims against third parties.
For this reason, at PIB Group Iberia we offer from one All risks insurance which covers all these risks and provides you with comprehensive protection, up to more specific policies that cover determined situations.
Depending on the sector, type of activity, number of employees, and size of premises, among other factors, each business faces different risks and has specific needs. At PIB Group Iberia, we analyse these particularities to offer you flexible and personalised policies, combining basic coverages with supplementary options depending on the type of business.
Whether you own a restaurant, a small shop, or an office building, we can design commercial insurance that fully protects your premises. This flexibility allows each client to have bespoke insurance, which guarantees peace of mind and support in case of any eventuality.
Protect your premises and its contents from structural damage, furniture, or goods resulting from fires or water leaks, ensuring a rapid solution.
Covers losses caused by theft and damage from vandalism, including theft from within the premises and damage to shop windows or installations.
It provides protection for computers, cash registers, control systems, and other essential technological equipment for retail activities.
Include damage caused by storms, floods, hail or high winds 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 economic losses arising from the temporary cessation of activities following a covered incident, 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 doubts
If you have any questions, don't hesitate to fill out our form to tell us what you need. At PIB Group Iberia, we will analyse your case and advise you from the beginning.
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