Personal liability insurance in Spain
A guest trips on your stairs. Your child breaks something at a friend’s house. Your dog damages someone’s property. In Spain, you can be held personally liable and be forced to pay for damage or injury, even if it was unintentional.
Many people think they’re already covered.
But unless you have specific civil liability insurance (RC Particular), chances are: you’re not.
We help individuals and families get the right cover. Fast, affordable, and with proper legal protection.
5-star insurance advice - for when it really matters
Transparent pricing
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Medium coverage
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Everything from basic +
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Extended coverage, more situations and higher amounts insured
Premium coverage
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Everything from medium +
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High-limit third-party liability designed for higher-risk situations or greater asset protection
* Premiums shown are indicative. Final premium depends on your situation.
What’s actually covered and why it matters
Personal liability insurance (RC Particular) protects you if you or someone in your household causes damage to others. Whether by accident, through your pet, or in everyday life.
Some examples:
- Your child damages a friend’s phone
- A guest falls in your hallway
- Your dog bites someone at the park
- You break something in a holiday rental
- A fire starts in your apartment and spreads next door
This type of insurance does not cover your own belongings or injuries. It’s there to protect you financially when someone else suffers damage and holds you responsible.
It’s a simple policy, but it matters. Without it, you could be personally liable for thousands of euros in damage, legal fees or injury compensation. We’ll help you choose a policy that fits your situation and explain the details before you commit.
Personal liability insurance FAQ
Not by law — but in many situations, it’s required in practice.
Think rental contracts, school enrolment or visa applications.
Even if no one asks for it, one accident can lead to thousands in personal claims.
It covers damage or injury caused to third parties — by you, someone in your household, or your pets.
Examples include:Physical injury to others
Damage to property (e.g. furniture, electronics, vehicles)
Legal defence and compensation if you’re found liable
Personal liability insurance does not cover:
Damage to your own property
Injuries to yourself or your family
Business-related claims (you need business liability for that)
Gross negligence or intentional damage
Yes — most policies cover everyone living in the household, including minor children and pets.
Let us know if you own a dog: civil liability insurance is mandatory for dog owners, and we’ll make sure your policy meets legal requirements.
No.
Pet insurance may cover medical costs for your animal.
Personal liability insurance covers damage your pet causes to others — like biting someone, or damaging property.
Yes — many policies cover damage you cause as a tenant or guest.
For example, if you break a window in an Airbnb or flood the apartment below.
Let us know how and where you live — we’ll make sure it’s included.
No.
Home insurance typically includes limited liability cover, but it may not be enough — or valid outside your home.
Personal liability insurance is standalone and broader.
We’ll check what you already have and whether it covers what you need.
Some policies include limited liability coverage, but with low limits or narrow conditions.
We’ll review your existing cover for free and tell you if it’s enough.
Yes.
In Spain, parents are responsible for damage caused by their minor children.
Even if it was an accident. Liability insurance covers this risk.
Policies usually run for 12 months. Cancellation is possible up to 30 days before renewal.
If your activity or structure changes during the year, we’ll help adjust the cover accordingly.
We work with leading insurers in Spain: Mapfre, Allianz, Zurich en Asisa.
We choose based on what’s best for your property and risk profile, not based on commission.
You contact us — not a call centre.
We help you report the claim, deal with the insurer, and make sure the process runs smoothly.
Only the best is good enough
Allianz
Strong international coverage
Allianz is one of Europe’s largest insurers with over 100 million clients worldwide. Why people choose Allianz:
- Access to top private hospitals
- Coverage often includes dental, physio and mental health without add-ons
- English-language app and customer service, ideal for non-Spanish speakers
Zurich
Solid cover in and outside of Spain
Zurich offers straightforward policies with clear benefits and no fine-print confusion. Why people choose Zurich:
- Easy to choose between standard and premium cover levels
- Well-rated service and simple claims process
- Popular with families and long-term residents looking for clarity and structure
Mapfre
Spain’s largest homegrown insurer
Mapfre is Spain’s largest insurance company, with a massive medical network. Why people choose Mapfre:
- Wide national coverage, also in smaller towns
- Flexible reimbursement options (you choose the doctor, they reimburse up to 90%)
- Trusted by locals and expats alike
- Stable, reliable, efficient
Asisa
Spain’s largest private medical network
Asisa was founded by doctors and now runs Spain’s biggest network of clinics and hospitals. Why people choose Asisa:
- Access to 40,000+ doctors and 1,000+ clinics and hospitals
- 24/7 English-speaking helpline and telemedicine options
- “Hospital at home” care available in many areas
