CalcLiability Insurance Calculator
Last updated: 2026-08-24
Liability Insurance Calculator — Calculate liability insurance premium estimate.
Inputs
Result
Enter values and press Calculate
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How to use it
- Enter the facturación annual estimated of the empresa constructora (volume of negocio)
- Select the rate of actividad main: renovation, project new, installations or servicios professionals
- Define the capital insured: amount máximo that cubre the póliza per claim (mÃnimo recommended 300.000 €)
- The premium Calculate as facturación × rate según actividad (0.2-0.4% según risk)
- The insurer apply a mÃnimo of premium based in the capital insured (~0.1% of the capital)
- The cost can pay annually or fraccionado in mensualidad is (with recargo per fraccionamiento)
Common mistakes
- ⚠️ Not contracting insurance of responsabilidad civil: is mandatory to ejercer as constructor or reformista
- ⚠️ Elegir a capital insured insuficiente: a solo claim grave can superar the 300.000 €
- ⚠️ Forget declarar all the actividades: the póliza can not cover trabajos not declarados expresamente
- ⚠️ Not review the póliza annually: the facturación change and the capital must actualizarse
- ⚠️ Confusing insurance of responsabilidad civil with insurance decenal (mandatory to project new según LOE)
Worked example
Calculate liability insurance for a construction company.
Results: premium annual of {prima_anual_eur} €/year, premium monthly of {prima_mensual_eur} €/month.
Input guide
| Field | Typical range |
|---|---|
| tipo_actividad | Tipo of actividad main: renovation, project new (greater risk), installations or servicios professionals |
| capital_asegurado_eur | Value between 100000 and 2000000 €. |
| facturacion_anual_eur | Value between 10000 and 2000000 €/year. |