Convenio (CLA) Insurance Spain

What Is Convenio (CLA) Insurance?

Here is what you need to know.

Convenio insurance — known internationally as Collective Labour Agreement insurance, or CLA insurance — is the umbrella term for the various employee-benefit insurances mandated by Spain's sectoral collective bargaining agreements. The Spanish employment law system (governed by the Estatuto de los Trabajadores, Real Decreto Legislativo 2/2015) operates substantially through these agreements: roughly 5,000 active convenios at national, regional, provincial and local level, between them covering virtually every legitimate area of employment in the country.

Each convenio sets minimum employment terms across an entire industry — wages, working hours, holiday entitlement, severance arrangements, and crucially for our purposes, the insurance protections that the employer must provide for staff.

The specific insurance obligations vary substantially between convenios: the construction sector mandates the most extensive cover (24-hour accident, life and disability), the hospitality sector mandates work-only accident cover, the office workers' convenio (Oficinas y Despachos) mandates a more modest baseline. But all of them mandate something — and the cost of failing to comply is measured in fines, civil claims and reputational damage rather than the modest annual premium that compliance costs.

Generali Convenio Colectivo is the integrated product that handles the full spectrum of convenio insurance obligations on one schedule. The policy schedule names the specific convenios applicable to your workforce, confirms the benefit levels meet or exceed the mandated minimums, and produces a compliance certificate dated to the most recent convenio update.

For multi-convenio workforces — common in hospitality, construction and retail — a single Generali policy covers multiple convenios simultaneously with separate compliance certifications per category of staff.

The Three Layers of Convenio Insurance Obligation

Spanish convenio insurance obligations typically fall into three distinct layers. Most convenios mandate elements from all three; some mandate only one or two. Understanding which layers apply to your workforce is the starting point of compliance:

Layer 1. Accident and disability cover. Almost universal across Spanish convenios. The employer must provide insurance paying defined lump sums for accidental death (typically €30,000–€60,000 at minimum), permanent total disability (typically 1.5× the death benefit), and permanent partial disability per the official baremo. Some convenios mandate work-only cover; others mandate 24-hour cover. Detailed coverage of this layer is available on our dedicated Collective Accident Insurance for Staff page.

Layer 2. Death from any cause (life cover). Mandated in many but not all convenios. Where mandated, the employer provides a defined lump sum on the death of the employee from any cause — natural death, illness, suicide after the qualifying period, accident — paid to the spouse or convenio-defined beneficiaries. Typical mandated amounts run €15,000–€30,000 at minimum, sometimes higher in specific sectors.

Layer 3. Daily sickness allowance and other complementary benefits. A smaller subset of convenios mandate complementary daily allowances during periods of medical incapacity, paid in addition to the public sick-pay benefit. Some convenios add particular benefits like equipment-replacement allowances, maternity supplements, or contributions to professional training funds.

Who Is Subject to Convenio Insurance Obligations

What Generali Convenio Colectivo Covers

The full Generali Convenio Colectivo product is a layered package that can be configured to match the specific obligations of each convenio. Typical contents:

• Accidental death benefit — payment to convenio-defined beneficiaries on accidental death, at the convenio-mandated minimum or any agreed enhancement above. Cover is either work-only or 24-hour according to convenio.
• Permanent total disability (invalidez permanente absoluta) — payment to the employee on certification of inability to perform any work. Typically 1.5× the death benefit at convenio minimum; some convenios demand 2×.
• Permanent partial disability — graduated payments per the standard Spanish disability scale (baremo de invalidez), with each named impairment producing a defined percentage of the full benefit.
• Death from any cause (life cover) — where mandated by the convenio, payment of the full life-cover benefit on death from any cause to the spouse or convenio-defined beneficiaries.
• Major illness diagnosis benefit — where mandated. Some convenios pay a one-off amount on first diagnosis of a defined list of major illnesses (cancer, heart attack, stroke, end-stage organ failure).
• Daily sickness allowance (subsidio diario) — supplementary to the public sick-pay benefit, where mandated. Typically activates after a short qualifying period and runs for up to 365 days.
• Hospitalisation indemnity — daily payment during in-patient stay, where mandated.
• Repatriation of remains — for international assignments and travelling staff, where mandated.
• Funeral expenses contribution — fixed amount paid alongside the death benefit, where mandated.
• Compliance certification — the most-valuable non-cash element. Each policy comes with a written certificate naming the specific convenio referenced, the benefit levels checked against the live convenio text, and the date of the most recent convenio update verified.

Sector-Specific Mandated Benefits. Indicative Levels

What Is NOT Covered

Here is what you need to know.

• Self-inflicted injury and the standard exclusions — including suicide before the qualifying period, injuries from criminal acts by the insured, injuries while under the influence of drugs or alcohol above legal limits.
• Acts of war, terrorism and civil unrest — standard exclusion across the Spanish market; specific anti-terrorism extensions available for higher-exposure professions.
• Pre-existing conditions for the life-cover layer — declared at policy inception and either excluded by name or accepted with loaded premium. Honest declaration required.
• Employees outside the convenio scope — directors-only, autónomos working under service contracts, and equity-only shareholders are not covered by the convenio policy because they are not in scope of the convenio. They need separate cover (D&O for directors, personal accident for individuals).
• Activities beyond the declared sector — if employees perform work outside the sector activity declared (e.g., a hospitality employee periodically driving company vehicles for delivery), additional cover may be needed.
• Periods of unauthorised absence or strike — depending on policy wording.

Why Get Convenio Cover Through Turner

Convenio compliance is one of the most-audited areas in Spanish small-business inspection, and one of the most contested at claim stage. The convenio applicable to a given company can be at national, regional, provincial or local level; different employee categories may fall under different convenios; and benefit levels typically rise at each annual convenio review.

Companies that buy generic accident cover online — without specific convenio cross-checking — frequently discover at claim stage that their cover does not match the live convenio requirement. The resulting gap is typically paid by the company directly, on top of any inspection fines.

Each Generali Convenio policy we issue includes a convenio compliance certificate — a one-page document naming the specific convenio referenced, the benefit levels verified against the convenio text, and the date of the most recent convenio update checked.

This certificate is what an Inspección de Trabajo audit needs to see, what a trade union representative challenging an employer might request, and what an employee or beneficiary will rely on at claim stage. We re-validate the certificate at every annual renewal, automatically updating the schedule when convenio benefit levels rise. For multi-province operators, the schedule references each provincial convenio separately.

For complex workforces — mixed-convenio companies, multi-Comunidad operations, employees on dual-classification contracts — we structure the policy with explicit convenio mapping and produce per-category compliance documentation. The administrative simplicity for the employer is significant: a single insurer relationship, a single billing arrangement, one compliance package, regardless of the number of underlying convenios.

Indicative Annual Premiums Per Employee

Disclaimer: All figures are indicative for 2026 and subject to underwriting at the time of application. Final premium depends on financial profile, bonded amount, contract type and individual risk profile. Contact us for a written quote.