Types of Insurance:

Agricultural Machinery

Recognizing the vital role the agricultural sector plays in our country’s economy, GRUPO PACC has developed insurance solutions designed to address the key risks faced by independent farmers and agricultural businesses in their day-to-day operations.

We offer exclusive property damage and general liability products tailored specifically for agricultural service companies.

We insure all types of agricultural machinery under comprehensive All-Risk policies with exclusive coverages, as well as liability protection for service providers, including special clauses that broaden the scope of indemnification in the event of a claim.

The key features of the All-Risk agricultural machinery coverage are:

• Coverage at market value.
• All-Risk protection for machinery up to 20 years old.
• Extended basic coverage: impact, rollover, fire, theft, vandalism, weather-related events, transportation damage, and recovery costs.
• Glass coverage up to €5,000.
• Foreign object damage covered up to 100% of the insured value.
• Tire damage coverage.
• Electrical damage to control units and electronic systems.
• Loss of profits: daily indemnity for harvesting/work interruption.

The key features of the general liability coverage are:

• Automatic coverage limits up to €3,000,000.
• No general per-victim sublimit.
• Coverage for fire damage caused to crops/operations directly being worked.
• Damage to carrier vehicles.
• Employer’s liability/cross liability included, with sublimits up to €450,000.
• Harvested product considered property in custody.
• Accidental pollution liability coverage up to €300,000.

PACC Business & Cooperative Protection

At GRUPO PACC, seeking the ideal complement to business policies for companies, self-employed professionals, SMEs, and cooperatives, we created a services and legal defense product to protect the insured against the day-to-day situations that may affect their business, providing our clients with a second layer of protection against insurance companies, service providers, utility companies, claims, etc.

The product extends to all claims and contracts affecting both movable and immovable property owned by the insured, as well as products manufactured and/or supplied by the insured.

Key coverages and services:

• Property Damage Assessment
  GRUPO PACC appoints an independent loss adjuster to assess material damage resulting from a covered claim affecting the insured’s movable or immovable property.
  Includes claims covered by the Spanish Insurance Compensation Consortium.
• Claims Against Insurance Companies for Breach of Contract
  Amicable or legal claims against insurers and/or the Insurance Compensation Consortium in the event of contractual non-compliance related to a covered loss.
• Property Damage Recovery
  Amicable or legal claims against liable third parties for damage caused to the company’s movable or immovable property.
• Criminal Defense for Individuals
  The defense of the criminal liability of the Directors and employees of the company is guaranteed in criminal proceedings brought against them for crimes or misdemeanors committed through negligence. The provision of bonds intended to guarantee the provisional release of the insured, their appearance in court and/or to cover the payment of court costs is included. The first assistance to the detainee at the police station is included.
• Secondary Civil Liability Defense (Business Operations)
  Defense against non-contractual civil liability claims brought against the company for damages suffered by third parties arising from business operations.
• Service Contract Disputes
  Defense and pursuit of rights in cases involving breach of lease agreements or other service-related contracts by providers.
• Claims for Breach of Supply Contracts
  Protection of the insured’s rights in cases of breach of supply contracts essential to business operations, including water, gas, electricity, telephone, and internet services.
• Claims for Breach of Contracts Involving Business Assets
  The enforcement of the insured’s rights is guaranteed in the event of breach by a third party of the following contracts relating to movable property: furniture and other equipment used in the business activity; office supplies, raw materials, and other auxiliary materials; vehicles used in the performance of the activity.
• Secondary Civil Liability Defense for Defective Products or Services
  Defense against civil liability claims arising from damages suffered by third parties caused by
  1. Products manufactured, supplied, or delivered by the insured, when damages are alleged to result from defects in design, manufacturing, storage, labeling, or handling.
  2. Work or services performed by the insured, when damages are alleged to result from improper execution (excluding regulated professional services).
• Secondary Employer’s Liability Defense
  Defense against civil liability claims for bodily injury suffered by employees due to workplace accidents occurring in the course of business operations.
• Secondary Civil Liability Defense for Data Protection Violations
  Defense of the civil liability that may be claimed against the Insured for primary financial losses or moral damages suffered by a third party due to alleged breaches of data protection regulations.
• When Does Secondary Civil Liability Defense Apply?
  1. When no civil liability insurance has been contracted, provided there is no legal obligation to carry such insurance.
  2. When a civil liability policy exists but the insurer denies coverage.
  3. When the company’s civil liability insurer exercises its right of recovery against the insured for indemnities paid to an injured party.

PACC Transport Operators Protection

After identifying the need for an additional layer of protection for transport operators when dealing with insurers and shippers, GRUPO PACC partnered with COMISMAR to develop a specialized legal defense product tailored specifically to the road freight transport sector.

Recognizing the importance of expert guidance in matters related to the carrier’s contractual liability, this product is structured to address potential disputes involving insurance companies and/or contractual conflicts with shippers or consignees.

Summary of Coverages & Services:

• Loss adjustment services for material damage affecting transported goods.
• Claims against insurance companies for breach of contract.
• Secondary Defense of the Carrier’s Contractual Civil Liability.
• Claims against shippers and/or consignees for contractual non-compliance.
• Non-contractual damage claims arising from traffic-related incidents involving the insured vehicle.
• Non-contractual damage claims related to professional use of the insured ehicle.
• Connection with professionals: LOSS PREVENTION, loading and unloading verification, salvage sale, etc

PACC All-Risk

GRUPO PACC offers SMEs an exclusive PACC All-Risk solution—one of the most comprehensive coverage products available on the market for protecting your business.

Our clients benefit from a policy that covers any accidental damage not expressly excluded in the contract, with enhanced coverages, higher valuations, expanded benefits, and added services.

Our policy includes a broad range of coverages and special clauses, including:

• Foreign-manufactured machinery
• Foreign-sourced raw materials
• Loss adjuster fees
• Third-party property
• Property undergoing renovation, conversion, construction, or installation (minor works)
• Newly acquired assets
• Theft and structural damage resulting from theft

Among the key product features, we highlight:

Lower Wind and Rain Thresholds:

Coverage for material damage directly caused by rain—even when precipitation is below 40 liters per square meter per hour—or by wind when speeds are below 90 km/h.

Vehicles in Storage:

Fire and theft coverage for vehicles at rest, whether owned by the insured or not.

Enhanced Electrical Damage Coverage:

Protection for electrical damage affecting both electrical and electronic machinery and equipment

Replacement Cost Coverage (New for Old):

In the event of a covered loss, compensation is based on replacement cost new (machinery up to 30 years old and IT equipment up to 15 years old).

Expanded Business Interruption Coverage:

Loss of income coverage resulting from inability to access business premises, supplier interruption, and utility service interruption (electricity, gas, or water)

PACCAUTO

The insurance your car would choose—if it could talk

In partnership with Seguros PELAYO, GRUPO PACC has developed an exclusive auto insurance, delivering a market-leading product known for its outstanding quality, strong value, and highly competitive pricing.

PACCAUTO offers exclusive coverages at a remarkably competitive rate.

Below you can see the standout coverage highlights:

• Your vehicle is valued at replacement cost new for the first 5 years. During the first 2 years, in the event of a total loss due to own damage or fire, compensation reaches 110% of the vehicle’s new value.
• 1/24/72 commitment:
  • • 1 hour maximum for roadside assistance pickup.
    • 24 hours maximum for vehicle damage assessment.
    • 72 hours maximum for vehicle delivery (at approved repair shops, provided repairs do not exceed 8 labor hours).

• €20 daily indemnity for temporary disability
• Funeral benefit coverage up to €3,000
• Vehicle adaptation expenses up to €3,000
• Home adaptation expenses up to €10,000
• Unlimited mileage towing assistance
• Replacement vehicle
• Coverage for collisions with game animals

Handy Service:

• Replacement of consumable parts
• Electronic device configuration
• Assistance with accessory installation
• Fluid level checks
• Inspection of selected vehicle safety components
• Interior cleaning service

PACCAUTO INTEGRAL

The perfect complement to your auto insurance

Enjoy exclusive added benefits

Tire Protection Coverage:

• Indemnity limit: €500
• Coverage includes: punctures, blowouts, and curb damage
• 1 claim per year
• No waiting period, no deductible

Key Loss Coverage:

• Indemnity limit: €500
• Coverage includes: key replacement, taxi expenses (up to €150), or rental car (up to €150)
• 1 claim per year
• No waiting period, no deductible

Vehicle Contents Coverage:

• Indemnity limit: €500
• Coverage includes: luggage, plug-in accessories, sports equipment, professional items, and more
• 1 claim per year
• No waiting period, no deductible

Insurance Solutions for Fairground Operators

We offer a comprehensive insurance package specifically designed for the fairground and traveling amusement industry. With over 500 clients, our proven track record and deep industry expertise set us apart in this highly specialized sector.

Our insurance program for fairground operators includes the following areas:

General Liability:

In accordance with current regulations, we offer two differentiated products:

• A product offering the broadest coverage limits and protection levels, designed to meet the requirements established under public entertainment laws across Spain’s Autonomous Communities. This option is especially suited for operators who set up attractions anywhere within the national territory.
• A more streamlined product designed for operators who only work in fairgrounds from regions with lower insurance requirements.

Damage Insurance:

Covers fairground attractions while operating outdoors at fairs and events —including assembly and dismantling—as well as while stored in warehouses during periods of inactivity.

Transit Insurance:

Provides coverage for attractions while being transported.

Motor Insurance:

Highly competitive premiums for fair-use trucks and trailers.

Your Lawyer at Home – Premium

Given the wide range of legal situations a family may face, we created this product to ensure our policyholders have access to professional legal advice and representation whenever they need help resolving a legal issue.

Coverage ranges from telephone legal advice and drafting of basic legal documents to full legal defense and consumer rights claims—including the legal expenses associated with court proceedings, such as:

• Attorneys
• Court filing fees
• Court representatives
• Criminal bail bonds
• Court costs

Key coverages:

Telephone Legal Advice
Get immediate information about your rights before making important decisions.

• Family: inheritance, separation/divorce, medical malpractice, domestic employees, travel issues, household accidents
• Home: mortgages, lease agreements, property purchase/sale
• Community: homeowners’ association payments, service contracts, neighbor disputes, unpaid dues

Legal Document Assistance
Drafting and/or review of documents related to amicable (out-of-court) resolution of matters involving:

• Consumer disputes
• Lease agreements
• Homeowners’ associations
• Registered domestic employees
• Employment matters
• Personal data protection
• Drafting and/or review of contractual clauses included in private agreements.
• Criminal defense.
• Legal defense in criminal proceedings arising from negligent acts (excluding motor vehicle traffic offenses).
• Includes initial legal assistance at the police station.
• Criminal bail bonds.
• Coverage also applies when the insured is acting as a pedestrian, a passenger in any form of transportation, a cyclist (non-motorized vehicle), or a user of non-classified motor devices such as electric scooters.

Non-Contractual Damage Claims

Pursuit of compensation for damages and losses that do not arise from a contractual relationship (i.e., not due to breach of contract by a third party).

In the event of death, coverage extends to affected family members.

Consumer Rights Defense

• Service contracts involving licensed professionals, doctors and hospitals (public or private), veterinarians, educational institutions, attorneys, court representatives, school transportation, travel providers, and more.
• Utility contracts (water, electricity, gas) for the insured residence
• Rights relating to property located in the insured home and vehicles owned by the insured

Property Damage Assessment Following a Loss
GRUPO PACC provides the insured with access to an independent loss adjuster from the brokerage to assist in claim management and conduct a joint damage assessment with the insurer’s adjuster in order to reach a fair settlement.

All-Risk Insurance for Olive Mills

After conducting an in-depth analysis of the insurance market for olive mills and identifying weaknesses in existing industry policies, GRUPO PACC has developed an exclusive solution tailored to the real needs of this sector.

The key features of our Olive Mill All-Risk Policy are.

• Expanded activity scope underwritten in the policy, including fuel stations, phytosanitary product storage, wastewater ponds (alpechín basins), purchasing stations, and related operations
• Option to insure maximum inventory levels without prior notification to the insurance company
• Replacement Cost (New-for-Old) coverage
  • Machinery up to 30 years old
  • IT equipment up to 15 years old
• Expanded coverage across the entire insured premises, including outdoor damage
• Comprehensive All-Risk protection
• Extended tank rupture coverage
• Extended liquid spillage coverage
• Coverage for transfer errors during liquid handling
• Coverage for deterioration of oil inventory, including loss of aroma, color, and/or taste
• Conveyor belts covered under machinery breakdown
• Expanded Business Interruption coverage, including supplier interruption