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Decennial insurance

Contact us 952 88 22 73

952 88 22 73

Contact Us

Decennial insurance policy protects property owners for 10 years against structural defects that compromise stability and that arise after the construction of the property. It comes into force with the completion of the building work and is a compulsory insurance policy taken out by the developer.

Whether you are building a single-family home, a block of flats or a commercial area, Op de Beeck & Worth can help you find the best ten-year insurance options for your Project.

Our difference
Excellence in claims management
Always defending with the client
Clear and transparent

Developers are responsible for taking out this compulsory insurance to deliver a building.


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The LOE (Law 38/1999 of 5 November, on Building Regulations) obliges the Promoter to take out a Ten-Year Guarantee Policy that guarantees during the 10 years after the delivery of the property any damage that occurs in the insured building as long as it compromises the structure of the same and has its origin during the construction period.

In the case of self-promoters of single-family dwellings destined for their own use, this is not obligatory. However, the property cannot be registered in the Register and therefore cannot be sold in the first 10 years after its construction.

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Basic Cover

  • Material damage to the development, such as material damage caused to the development attached to the insured buildings, if the damage is a direct consequence of a loss covered by the policy.
  • Debris removal expenses: dismantling and removal of the remains.
  • Salvage expenses to reduce the effects of a loss covered by the policy.
  • Permits and/or licences: costs of obtaining permits or compulsory licences to rebuild the damaged property.
  • Damage due to waterproofing defects


  • Weathertightness of facades
  • Watertightness of roofs
  • Weathertightness of basements
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You can leave your contact details in the form below and we will call you back. Or you can call or write to us directly and tell us your needs. We'll be happy to help you protect the things you hold dearest.

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We help you with your insurance

We will be happy to help you protect everything you need in your company.

Contact us for a personalised study.

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What our customers say


Thank you for the excellent service.
A friend recommended your company to me years ago and I'm glad I listened to her advice. I have worked with quite a few companies and have rarely had a claim. However, compared to other insurance policies I have occasionally had a claim with (car, dog, ...), your service is top notch: personal service, immediate response, competence and a real personal and individual way you treat your clients.
Thank you very much


The response I received has been very professional, personalised, friendly and close at all times. I have been able to contract a product and service that perfectly suits my needs, when I was faced with several interesting proposals. A success.


All the team members I have dealt with have been professional, patient, polite and friendly. They have dealt with several difficult situations for me and have gone above and beyond to help me. Their advice and judgements have been sound and reliable, so I have always felt safe knowing that I was being well looked after. As an expatriate who does not speak Spanish, life in Spain would be much more difficult without the support of this company.

There is no doubt in my mind that I would recommend Op de Beeck & Worth for a much needed peace of mind. 


You can find us at Centro Comercial Guadalmina IV, Locales 97-98; Guadalmina Alta 29670 San Pedro de Alcántara - Málaga.

Our opening hours are:
Monday - Thursday: From 8:30 to 18:00h
Friday: From 8:30 to 15:00h.

If you would like to pay us a visit, click here to follow the google maps directions or via What3Words at ///scrimp.eraser.barring

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Phone or email

+34 952 882 273

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