Business Travel Insurance in Spain
All-round travel cover for self-employed and employed expats travelling for work — plus business equipment, documents and professional liability, from Generali.
Business travel insurance in Spain gives you every benefit of a standard Generali travel policy — emergency medical care, repatriation, cancellation, baggage and personal liability — with added protection for the things that matter when you travel for work: your laptop and equipment, business money and documents, and professional liability. It is arranged from Spain by Turner Insurance, your exclusive Generali agent, for self-employed and employed expats who make work trips at home or abroad.
What business travel insurance covers
A business policy is built on the same Generali travel framework as our single-trip and annual multi-trip cover, then extended for working travellers. The table shows the core cover areas. Exact sums insured depend on the cover level and territory you choose, and are confirmed on your quote and Particular Conditions.
| Cover area | What it protects |
|---|---|
| Emergency medical & repatriation | Medical, surgical, hospital, pharmacy and emergency dental costs abroad, medical transport and repatriation to Spain — typically €300,000 up to unlimited, with at least €1m advised for the USA and Canada. |
| Business equipment & laptop | Loss, theft or damage to the laptop, phone, samples and work equipment you travel with, subject to per-item and overall limits. |
| Business money & documents | Business cash, cards and essential travel and work documents lost or stolen on the trip. |
| Professional liability | Cover for your liability for accidental injury to others or damage to their property while travelling on business. |
| Conference & trip cancellation | Optional module reimbursing unavoidable costs if you have to cancel or cut short a covered work trip or conference. |
| Emergency business-continuation assistance | Help to keep a trip on track after a covered incident — arranging a replacement traveller or onward logistics where needed. |
| Baggage, delay & disruption | Lost, delayed or damaged baggage, travel delay, missed connections and early return for a serious event at home. |
| 24-hour assistance & personal accident | Round-the-clock multilingual assistance line, legal services abroad and personal accident (death & disability) cover. |
Who it is for
- Self-employed expats and freelancers who fly back to the UK, Ireland or the Netherlands, or around Europe, for client work, trade fairs or installation jobs.
- Employed people on work trips who need cover that travels with them rather than relying on a personal holiday policy.
- Frequent business travellers who want one annual policy in force before every trip, including last-minute departures.
- Anyone carrying valuable kit — a work laptop, demonstration samples or tools — that a standard leisure policy may under-insure.
The cover applies to trips for professional reasons as well as leisure, so the same policy works for a mix of work and personal travel. Note that the policy is designed for office and commercial work that needs no physical effort; manual work and professional sport are not covered.
Single trip or annual multi-trip?
One work trip
A single-trip policy covers one defined journey — ideal for an occasional conference or one-off assignment. It is the only option that can include a declared pre-existing medical condition.
Travelling all year
The annual multi-trip (Anual Multiviaje) policy covers unlimited trips of up to 90 days each across the year on one contract, with a maximum entry age of 75. It is already live before any last-minute trip, so you are covered the moment you travel.
If you make three or more work trips a year, the annual multi-trip policy is usually better value than buying single-trip cover each time. Europe annual cover starts from around €60/year and worldwide from around €120/year, depending on age, territory and cover level. The full annual wording is in our multi-trip policy conditions.
How to get a business travel insurance quote
Tell us where and how often you travel for work, the value of the equipment you carry and the cover level you want, and we will price single-trip and annual options side by side. Call our English-speaking team on 966 461 625 (Monday to Friday, 09:30–15:00), email info@turnerinsurance.es, or use our contact page for a free, no-obligation quote.
Frequently Asked Questions
Read the full Business Travel Insurance policy conditions in English →
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