Convenio (CLA) Insurance Spain

What Is Convenio (CLA) Insurance?

Here is what you need to know.

Convenio insurance is known internationally as Collective Labour Agreement (CLA) insurance. It is the staff cover that Spain's sector bargaining agreements require employers to provide. Spanish employment law (the Estatuto de los Trabajadores, Real Decreto Legislativo 2/2015) runs largely through these agreements. There are roughly 5,000 active convenios at national, regional, provincial and local level. Together they cover almost every area of employment in the country.

Each convenio sets minimum terms across a whole industry. These cover wages, working hours, holidays and severance. They also set the part that matters here: the insurance the employer must provide for staff.

The exact insurance duties vary a lot between convenios:

• Construction requires the most cover — 24-hour accident, life and disability.
• Hospitality requires work-only accident cover.
• Office staff (the Oficinas y Despachos convenio) require a more modest baseline.

But every convenio requires something. And the cost of not complying — fines, civil claims and a damaged reputation — is far higher than the small yearly premium.

Generali Convenio Colectivo is the all-in-one product that handles your convenio insurance duties on one schedule. The schedule names the convenios that apply to your staff. It confirms the benefit levels meet or beat the required minimums. It also gives a compliance certificate dated to the latest convenio update.

Multi-convenio workforces are common in hospitality, construction and retail. For these, one Generali policy covers several convenios at once. It gives a separate compliance certificate for each group of staff.

The Three Layers of Convenio Insurance Obligation

Convenio insurance duties usually fall into three layers. Most convenios require parts of all three; some require only one or two. Working out which layers apply to your staff is the first step to compliance:

Layer 1. Accident and disability cover. This is almost universal across Spanish convenios. The employer must provide insurance that pays defined lump sums in three cases:

• Accidental death (typically €30,000–€60,000 at minimum).
• Permanent total disability (typically 1.5× the death benefit).
• Permanent partial disability per the official baremo.

Some convenios require work-only cover. Others require 24-hour cover. You can read more about this layer on our dedicated Collective Accident Insurance for Staff page.

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

Layer 3. Daily sickness allowance and other complementary benefits. A smaller group of convenios require extra daily allowances during periods of medical incapacity. These are paid on top of the public sick-pay benefit. Some convenios add particular benefits too. Examples include 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. It can be set up to match the exact duties 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. It names 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 — some people are not covered by the convenio policy because they fall outside the convenio. This includes directors only, autónomos working under service contracts, and equity-only shareholders. They need separate cover (D&O for directors, personal accident for individuals).
• Activities beyond the declared sector — extra cover may be needed if employees do work outside the declared sector activity. An example is a hospitality employee who sometimes drives company vehicles for delivery.
• Periods of unauthorised absence or strike — depending on policy wording.

Why Get Convenio Cover Through Turner

Convenio rules are one of the most-audited areas in Spanish small-business inspection. They are also one of the most disputed at claim stage. The convenio that applies to a company can sit at national, regional, provincial or local level. Different groups of staff may fall under different convenios. Benefit levels also tend to rise at each yearly convenio review.

Some companies buy generic accident cover online, without checking it against their specific convenio. At claim stage they often find the cover does not match the current convenio rule. The company then usually has to pay the gap itself, on top of any inspection fines.

Each Generali Convenio policy we issue includes a convenio compliance certificate. This one-page document names the convenio used. It shows the benefit levels checked against the convenio text. It also gives the date of the latest convenio update checked.

Several people may need this certificate:

• An Inspección de Trabajo audit needs to see it.
• A trade union representative challenging an employer might request it.
• An employee or beneficiary will rely on it at claim stage.

We re-check the certificate at every yearly renewal. We update the schedule when convenio benefit levels rise. For multi-province firms, the schedule lists each provincial convenio separately.

Some workforces are complex. Examples include mixed-convenio companies, multi-Comunidad operations and employees on dual-classification contracts. For these, we structure the policy with explicit convenio mapping and produce per-category compliance documents. The result is far simpler for the employer. You get a single insurer relationship, a single billing arrangement and one compliance package, however many convenios sit underneath.

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.

Cancellation rights. Annual contracts auto-renew under Ley 50/1980 Article 22. Cancellation requires at least one month's written notice before renewal.