La indemnización depende de la suma asegurada.

In this sentence, indemnización usually means an insurance payout, compensation, or indemnity payment.

For a learner, compensation is often the easiest translation, but in insurance language indemnización is more specific: it refers to the amount paid after a loss, accident, or claim.

So in this context, la indemnización is not just any kind of compensation in general life; it is very likely the money an insurer pays.

Spanish often uses the definite article more than English does.

Here, la indemnización refers to a specific concept: the payout / the compensation involved in the insurance situation being discussed.

So even if English might sometimes say Compensation depends on the insured amount, Spanish naturally says La indemnización depende...

Because the verb is depender de, which means to depend on.

In Spanish, many verbs require a specific preposition, and you have to learn them as a unit:

• depender de = to depend on
• soñar con = to dream about
• pensar en = to think about

So:

• depende de la suma asegurada = depends on the insured amount

You cannot normally say depende la suma asegurada.

Suma asegurada is an insurance term. It means the insured amount or sum insured.

It refers to the amount of coverage stated in the policy. In other words, it is the maximum amount the insurance covers under that policy or item.

So the sentence is saying that the payout is based on that insured amount.

Because asegurada is describing suma, and suma is a feminine noun.

In Spanish, adjectives usually agree in gender and number with the noun they modify:

• el monto asegurado
• la suma asegurada

Since suma is feminine singular, the adjective is also feminine singular: asegurada.

It is functioning like an adjective here, even though it comes from the past participle of asegurar.

Literally, asegurada means something like insured. In insurance vocabulary, suma asegurada is a fixed expression meaning insured amount.

So for practical purposes, you can treat it as an adjective describing suma.

Because Spanish only contracts a + el into al and de + el into del.

There is no contraction with la, so:

• de + la = de la
• a + la = a la

That is why the sentence says de la suma asegurada, not anything shorter.

Indemnización is pronounced roughly like:

een-dem-nee-sa-SYON

The written accent on -ción shows where the stress falls: the final syllable ción is stressed.

A very common pattern in Spanish is nouns ending in -ción, such as:

• información
• situación
• compensación
• indemnización

These almost always have stress on that final -ción syllable.

Yes, grammatically you could, and people would understand it.

But indemnización is more natural in legal or insurance contexts. Compensación is broader and can sound less technical.

So:

• indemnización = better for insurance/legal payout language
• compensación = more general compensation

If the sentence comes from an insurance document, indemnización is probably the better choice.

Yes, but the original order is the most neutral and natural:

• La indemnización depende de la suma asegurada.

You could also say:

• Depende de la suma asegurada la indemnización.

But that sounds marked or less natural in ordinary usage. A learner should generally stick with the original structure:

subject + verb + de + complement

Yes. Depende is the third-person singular present tense of depender.

So:

• depender = infinitive
• depende = depends

Because the subject is la indemnización (singular), the verb is singular:

• La indemnización depende...

If the subject were plural, the verb would change:

• Las indemnizaciones dependen...

Here are some useful examples:

• Todo depende del contrato.
  Everything depends on the contract.

• El precio depende de la cobertura.
  The price depends on the coverage.

• La decisión depende de la compañía.
  The decision depends on the company.

• Eso depende de ti.
  That depends on you.

This is a very common structure, so it is worth memorizing as a chunk:

depender de + noun / pronoun

Yes. In insurance Spanish, suma asegurada is a standard and very common term in Latin America.

You will often see it in documents such as:

• insurance policies
• claims forms
• policy summaries
• coverage descriptions

It is one of those expressions that is best learned as a set phrase rather than translated word by word every time.