Spain:900 102 527

Portugal:800 860 705

Gibraltar:200 44628

UK:0845 652 4239

Other Numbers

From the UK: 0845 652 4239 (local rate)

From Ireland: 01 246 7677 (local rate)

All other countries: +34 914 142 334 (international rate)

Email: ibexdirect@ibexinsure.com

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Other Numbers

From the UK: 0845 652 4239 (local rate)

From Ireland: 01 246 7677 (local rate)

All other countries: +34 914 142 334 (international rate)

Email: ibexdirect@ibexinsure.com

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Business Insurance FAQ's

Do I have to declare the increase of stock during the sales campaigns?

Yes. You can specify this when you issue the policy or at the beginning of the campaign.

Are the goods held in trust covered?

Yes, we cover the goods that you hold in trust and are inside your premises.

I’ve got tables and chairs on the terrace of my restaurant. Are these covered in case of theft?

All the furniture on the terrace or outside the unit is covered in case of theft or fire, as long as the distance does not exceed 25 metres. The maximum limit would be 10% of the contents sum insured.

I’m planning to carry out some minor works in my unit. Do I have to tell the insurance company?

We cover the damage caused as a result of the works of repair and maintenance that take place in the insured unit, when these are considered minor works, i.e. the cost is not over €60,000. The cost of the works must be added to the total building sum insured.

Are my personal belongings which are inside the premises covered?

Yes. The personal belongings you own are covered inside the unit, even if they are not related to the activity you develop.

At this moment I don’t have any commercial activity. Am I covered?

We can cover units without commercial activity for fire, water damage and the owner’s liability. Once you have a commercial activity let us know and we will add the covers you need.

What is public liability insurance?

Public liability insurance covers the cost if, as a result of business activity, you injure a third party or cause damage to their property. Without this type of insurance, you could be facing bankruptcy should someone make a public liability claim against your company.

What is employers' liability insurance?

Employers' liability insurance protects employers in case employees claim compensation as a result of being injured or becoming ill due to their work.

What is business interruption cover?

Business interruption insurance provides cover if you lose money as a result of not being able to trade. This could be due to stock or equipment being stolen, damaged or destroyed. It also covers any additional costs you have to pay out to get your business back up and running.