O Workplace Accident Insurance It is compulsory cover for companies and employers, as well as for self-employed people, in Portugal, ensuring support for workers in the event of an accident occurring whilst carrying out their professional activities.
As well as ensuring compliance with the law, this insurance protects the company against the financial liabilities arising from accidents at work, covering medical expenses, compensation and other benefits provided for by law.
At CJ Seguros, we help companies, sole traders and the self-employed to find the most suitable solution by comparing quotes from various insurers.
What is Work-Related Accident Insurance?
Workers’ Compensation Insurance is a compulsory form of insurance designed to protect workers when they suffer an accident related to their work.
This insurance provides medical care, compensation and other benefits provided for by law, ensuring protection for the employee and reducing the financial impact on the employer.
Without valid Work-Related Accident Insurance, companies are liable to an administrative offence under Law No. 98/2009 of 4 September and may be held liable for all costs arising from a work-related accident.
How does Work-Related Accident Insurance work in practice?
Once the policy has been taken out, the insurer assumes responsibility for the cover provided for in the contract.
In the event of an accident at work, the employer must report the incident to the insurer within the time limits laid down by law. Once the incident has been assessed, the insurer will process the claim and pay the compensation or expenses covered by the policy.
The cost of insurance depends on a number of factors, namely:
- Business activity carried out by the company;
- Number of employees;
- Total payroll;
- Level of risk associated with the profession;
- Coverage taken out;
- Claims history.
Who should take out Work Accident Insurance?
This insurance is aimed at various types of professionals and businesses, including:
- Companies with employees;
- Sole Traders;
- Self-employed workers — who can supplement their cover with a personal accident insurance;
- Construction companies;
- Trade and services;
- Hospitality and catering;
- Industry;
- Agricultural businesses;
- Transport companies.
Regardless of the size of the company, ensuring this protection is essential for complying with the law and safeguarding employees and the business.
Why is it important to have Work Accident Insurance?
Accidents at work can have significant human and financial consequences.
Appropriate Work Accident Insurance enables:
- To comply with legal obligations;
- To protect workers;
- To ensure access to healthcare and compensation;
- To reduce the financial impact on the company;
- To have access to specialist support in the event of a claim.
More than just a legal requirement, this insurance represents an investment in the safety of employees and the stability of the company.
At CJ Seguros, we help companies and self-employed professionals to compare solutions from various insurers and find the Work Accident Insurance best suited to your needs, with personalised support both before and after taking out the policy.
👉 Request a quote for your Workplace Accident Insurance
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