Public Liability Insurance For Expats in Spain

Accidents happen. Protect yourself financially from claims for damages or injuries you might accidentally cause to others or their property in Spain.

Stay Protected with Public Liability Insurance in Spain

Living in Spain brings wonderful experiences, but life’s unexpected moments can be costly. Imagine accidentally damaging a neighbour’s property, your dog injuring someone at the park, or bumping into someone who gets hurt. Without public liability insurance for expats in Spain, you could face devastating financial claims that threaten everything you’ve worked for. EFPG provide comprehensive public liability insurance that protects you financially if you’re held responsible for accidental damage or injuries to others.

Financial Protection

Protects you from potentially devastating claims for damages or injuries you accidentally cause, covering legal costs and compensation payouts so you never face financial ruin.

Legal Compliance

Meet mandatory requirements like Spain’s obligatory dog liability insurance under the 2023 Animal Welfare Law, keeping you legally compliant and avoiding penalties.

Peace of Mind

Live confidently knowing you’re protected against accidental damage claims, whether at home, in public, or through your pets. We handle everything if claims arise.

Affordable Coverage

Comprehensive protection at surprisingly low premiums. For less than a weekly coffee, safeguard yourself against claims that could cost thousands or even more.

Comprehensive Public Liability For Expats in Spain

Our public liability in Spain policies give you complete peace of mind at affordable premiums. When accidents happen, we handle everything, from legal costs to compensation payouts, so you can focus on what matters: enjoying your Spanish lifestyle worry-free.

Personal Liability Protection

Protect yourself financially from everyday accidents that result in injury or damage to others.

Dog Liability Insurance

Spain’s 2023 Animal Welfare Law makes dog liability insurance mandatory, protecting owners financially if their dog causes injury or damage.

Business Liability Cover

Public liability insurance protects against claims from clients, customers, or the public for injuries caused by your business operations.

Get Protected Today – It's Easier Than You Think

Public liability insurance protects you financially if you’re held legally responsible for causing injury to someone or damaging their property. It’s different from other insurance types because it covers your liability to others, not damage to your own property or injuries to yourself. EFPG makes getting public liability for expats in Spain simple, fast, and affordable. Whether you need mandatory dog liability insurance or comprehensive personal protection.

Why EFPG is Your Trusted Partner for Public Liability

What sets us apart? We speak your language. No confusing insurance jargon, no complicated processes, just clear explanations and straightforward solutions. Whether you need mandatory dog liability insurance, personal protection, or business coverage, we’ll find the perfect policy for your unique situation at rates that fit your budget.

Our multilingual team guides you through every step, from understanding what coverage you need to handling claims if they arise. We work with trusted Spanish insurers to secure comprehensive protection at competitive premiums. With EFPG, you’re not just getting insurance—you’re getting a dedicated partner invested in protecting your Spanish lifestyle and financial security.

Choosing public liability for expats in Spain with EFPG means choosing simplicity, expertise, and genuine care. As a fully regulated insurance brokerage authorised by Spanish financial authorities, we’ve spent years helping expats navigate Spain’s insurance requirements with confidence and clarity.

Frequently Asked Questions

What is Public Liability for Expats in Spain and Do I Need It?

Public Liability for Expats in Spain is an insurance policy designed to protect you financially if you accidentally injure someone or damage their property. It covers legal defense costs and compensation payouts. While not always mandatory (except for dog owners under Spain’s 2023 Animal Welfare Law), having Public Liability Insurance for Expats in Spain is highly recommended. Spain allows substantial personal injury claims, and without proper coverage, such incidents could severely impact your finances.

Is Dog Liability Insurance Mandatory in Spain?

Yes. Under Spain’s Animal Welfare Law, effective from March 28, 2023, all dog owners must have Public Liability Insurance in Spain to cover injury or damage caused by their pets. This applies to all breeds and sizes. EFPG offers compliant and affordable Public Liability for Expats in Spain that includes mandatory dog liability coverage. Get in touch with us today to meet legal requirements and protect yourself financially.

What Does Public Liability in Spain Typically Cover?

Public Liability in Spain provides financial protection if you’re held responsible for accidental injury or property damage to others. It covers:

Injuries caused to third parties
Damage to property
Legal defense and compensation costs
Medical expenses for victims

For pet owners, Public Liability for Expats also includes coverage for bites, attacks, or damage caused by dogs. Coverage amounts usually range from €300,000 to over €1,000,000.

How Much Does Public Liability for Expats Cost in Spain?

Public Liability for Expats in Spain is generally very affordable—usually between €5 and €10 per month for comprehensive coverage, including dog liability. Costs depend on your coverage level, the number of pets, and other personal factors. EFPG provides customised quotes, ensuring your Public Liability Insurance for Expats in Spain fits your budget and offers complete protection.

Is Public Liability Included in My Home or Car Insurance?

Some home or car insurance policies include limited liability coverage, but this is often insufficient. Dedicated Public Liability Insurance for Expats in Spain offers higher limits, broader protection, and coverage for scenarios not included in standard policies. EFPG can review your existing coverage to identify any gaps and recommend tailored Public Liability for Expats solutions.

What Happens If My Dog Injures Someone and I Don’t Have Insurance?

If your dog injures someone and you don’t have insurance, you’re breaking Spanish law and may face fines or legal action. More importantly, you’ll be personally liable for all medical bills, compensation, and legal costs—which can reach tens of thousands of euros. Public Liability in Spain protects you from these financial risks. EFPG helps you stay compliant and protected with mandatory dog liability coverage.

Does Public Liability for Expats Cover My Entire Family?

Yes. Most Public Liability for Expats in Spain policies cover you, your spouse, and any dependent children living in the same household. This ensures all family members are protected against accidental injury or damage they may cause. EFPG confirms your household’s eligibility when setting up your Public Liability Insurance for Expats in Spain.

How Quickly Can I Get Public Liability Coverage in Spain?

EFPG can arrange Public Liability in Spain coverage within 24–48 hours—often faster for dog liability policies. Simply request a quote, share your details, and we’ll handle the paperwork. For dog owners who must comply with Spain’s Animal Welfare Law, we prioritize urgent setup to ensure legal coverage without delays.

Is EFPG Regulated to Provide Public Liability Insurance in Spain?

Yes. EFPG is a fully authorised brokerage regulated by Spain’s General Directorate of Insurance and Pension Funds (DGSFP). This means all EFPG Public Liability for Expats in Spain policies meet strict national standards. Your protection is backed by regulatory oversight, giving you confidence in every policy we provide.