Insurance for the self-employed in Málaga

It depends on your activity. Some professions must have liability insurance by law or through their professional body, and many clients require it in the contract. Accident, sick leave, health and premises cover are usually optional. We review your case and tell you what you need.

The public temporary incapacity benefit is based on your contribution base, not on what you invoice. Sick leave insurance pays you an agreed daily amount on top while you cannot work. We help you work out how much you need.

If you file under direct assessment (estimación directa), the health insurance premium for you, your spouse and your children under 25 living with you can be deducted as a business expense, up to an annual limit per person (art. 30.2.5ª of Law 35/2006 on personal income tax). Check with your accountant how it applies to you.

We check whether your home policy allows the activity and covers your work equipment, because many do not. If you have premises, an office or a workshop, business premises insurance covers the building, its contents and the premises liability.

Yes. Send us your policies and we check what they cover, any overlaps or gaps, and suggest changes only if they are worth it.