BUSINESS INSURANCE IN MALLORCA · BALEARIC ISLANDS
Business Insurance
Protecting your business is protecting yourself and those around you. Structured analysis of your business risks using the RiskMap method, and tailored insurance solutions backed by AXA.
We help self-employed professionals and businesses protect their activity with a consultative method
At DYLSI, we understand that behind every company there are people, projects and decisions that require stability and protection.
Our approach begins with a structured analysis of your business risks — the RiskMap method— to understand your real situation before proposing solutions. From there, we accompany you from the design of the protection plan to claims management, helping you protect your assets, your employees and the continuity of your business with clear, comprehensible and personalised solutions.
Professional advice and friendly service
At DYLSI, you are not just a number; we know you through your project and your stories. Our team listens to you, analyses your risks and personally accompanies you through every stage of the process.
Comprehensive business protection
We protect your company against material damage, theft, fire, cyber incidents and other risks that may affect your business.
We tailor the solutions your organisation needs to ensure your project is protected.
Continuity and economic stability
An accident doesn’t have to stop you. With coverages such as loss of profits, we ensure that your business continues to generate income even during a temporary interruption.
Professional liability and trust
We protect you against potential third-party claims for damages caused in the course of your business activities.
Avoid legal surprises and protect your professional reputation.
Insurance for your business
Protect the foundation of your business: your space, your resources, and your activity.
From shops and offices to warehouses and industrial premises, these insurance policies are designed to protect the physical heart of your business against unforeseen events such as fire, theft, water damage or business interruption.
At DYLSI, we help you create comprehensive, personalised protection tailored to your type of business and the risks in your environment.
Liability Insurance
Multi-risk insurance
Civil liability for executives
Trade/Business Insurance
Cargo Insurance
Investments
- The company generates assets and equity that can also be invested in various solutions to generate profitability and ensure that this money, which would otherwise be sitting in the bank, also generates profits.
- You can generate additional savings in the company to deal with unforeseen events, such as a layoff, the search for a key person, or an investment in machinery. We can help you plan it
Insurance for your equipment and people
Taking care of your team means taking care of the strength of your business.
Insuring your employees and collaborators is an investment in stability and trust. We offer health, life, accident and group savings insurance policies designed to protect the people who make your business possible and reinforce your commitment as a responsible employer.
Civil liability for accidents at work
- Employers are responsible for the diligent supervision and management of their staff, an accident at work can mean the closure of the company due to the high costs of compensation.
- It includes accidents at work involving employees of the company, workers hired by temporary employment agencies or other employees of the employer such as employees of contractors or subcontractors (Cross Civil Liability).
- This insurance is especially relevant for the construction sector, if you are part of it, read on.
Health insurance for workers
- Health insurance is the social benefit most valued by workers, it is a great tool to improve talent retention, increase productivity and the work environment. as well as reducing absenteeism.
- The cost is fully deductible in the company’s corporate income tax as well as other social expenses.
- Access more competitive rates, flexibility, and special conditions depending on the number of insured people, in addition, you can include the direct family members of your employees as well.
Flexible Remuneration Plan
Did you know that you can increase the net salary of your employees, without costing your company a single euro?
By using a Flexible Remuneration Plan, your employees benefit from tax advantages on certain products, which increases their wage bill without costing your company any money. They decide which services to hire, your company allows them to access health insurance, diets, training, transportation, childcare and savings plans.
Improve talent loyalty and retention, making your job offer even more attractive.
Employees, especially the younger generations, demand benefits that go beyond their salary such as flexibility, access to private healthcare, help in saving long-term for their retirement. It’s your chance.
Accident insurance agreement
Many sectors have in their corresponding agreement an obligation to take out accident insurance for their employees. If you do not know whether or not you are required to have agreement insurance, contact us to help you, or your employment advisor.
Agility, flexibility and competitive rates to protect your employees, meet your obligations, and all hand in hand with our agency so that you have everything clear from the first moment.
Insurance for digital risks and technology businesses
Your company also needs protection in the digital world.
Cyberattacks, security breaches and technical liabilities are a growing reality. With our cybersecurity and professional liability insurance, we help you prevent, detect and respond to digital incidents that could affect your data, your reputation or the continuity of your business. Especially recommended for technology companies, startups, R&D projects.
Cybersecurity Insurance
Liability Insurance for Administrators and Officersand manager in the digital environment
- Protecting the responsibility of managers in the face of digital security sensitivity is absolutely necessary today.
- In environments of uncertainty and constant progress, making decisions with confidence and peace of mind is important. We have your back as you deserve.
- This insurance offers protection against errors, negligence or omissions during business management, against claims from third parties such as partners, shareholders, creditors or the public administration.
Insurance for the Construction sector
Security and control at every stage of your project.
Whether you are involved in construction, renovation or technical projects, we help you protect your liability and assets with specific coverage such as comprehensive construction insurance, civil liability insurance or ten-year insurance.
Our team analyses your risks and needs so that each project can move forward with the peace of mind of being well insured.
All Risk Construction
- Did you know that damage caused to the part of the works on which work is carried out is not covered by your civil liability insurance?
- As a builder or installer, you can protect damage caused to the construction site during the execution of your work.
- This insurance covers risks related to the execution of a work, including natural phenomena, workmanship or defective materials. It also includes coverage for the post-construction maintenance period.
- It is a temporary insurance that is carried out for each work you do, either as a promoter or contractor.
- It is a useful solution to protect our investment, thus avoiding in the event of a mishap, resorting to mortgages or loans, sometimes necessary to finish the work.
- You can insure a new build, a renovation or a refurbishment. In the same policy, all the parties involved can be covered.
All Risk Assemblies
- This insurance has similar characteristics and purposes to the All Risk Construction insurance, although it is used to protect assemblies in which metal predominates as a material.
- Risks are covered from the moment the various parts or elements arrive at their destination, the assembly and installation phase, to the subsequent tests for their correct operation.
- Once the assembly and testing phase has been completed, the maintenance guarantee can be contracted.
- It includes coverage for risks related to the execution of the assembly, natural phenomena, defective labor or materials, protection of the machinery and equipment used.
Among others according to the needs of the work.
Construction Liability
- The construction sector is the second industry where the most accidents at work occur in Spain, the compensation for which the company may be responsible can put the continuity of the business at risk, it is important to have adequate protection with sufficient limits.
- Liability coverage for managers and administrators for decisions related to the management of the construction company may be included.
- It covers participation in Temporary Unions or Groups of Companies (UTE).
- It covers sector-specific risks such as damage caused during demolition or demolition, to underground pipes, products and work already delivered, hot work, among others adapted to the needs of each company.
Ten-year damage insurance
This insurance will be mandatory for the developer of a work, according to the Building Regulation Law, when a residential home is to be marketed within a period of 10 years from its construction.
Damage to the building related to the construction itself, and that affects the structural elements (those that keep the building standing, such as slabs, pillars, load-bearing walls and beams), is guaranteed, provided that these endanger the stability and solidity of the house.
The objective of this insurance is to protect future buyers of a home, so the insurance coverage is offered for 10 years from the end of construction.
Machinery breakdown insurance
- In construction, various machinery is used, often expensive and with complex characteristics, there are solutions to cover mishaps related to its use.
- Expenses resulting from damage to machinery or equipment, which endangers its proper functioning or their paralysis are guaranteed.
- It covers human errors (negligence, misuse, sabotage), as well as external phenomena such as explosion, electrical damage, foreign objects, design errors, among others.