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Insurance solutions for businesses
Protect your staff and meet your legal obligations with Work Accident Insurance tailored to your company’s specific needs. At CJ Seguros, we help you compare solutions from various insurers to ensure you get the best cover at the best price.
Workers’ Compensation Insurance is a compulsory form of insurance that provides cover for workers in the event of an accident occurring whilst carrying out their professional duties or whilst travelling between their home and their place of work, where provided for by law.
This insurance covers the payment of medical expenses, compensation and other benefits provided for by law, whilst protecting both employees and employers.
At CJ Seguros, we help businesses of all sizes find the solution best suited to their needs.
Yes. In Portugal, all employers are legally obliged to take out occupational accident insurance for their employees.
Self-employed workers are also required by law to take out this insurance, except in cases where the activity is intended solely for their own consumption or that of their household.
Failure to comply with this obligation may result in fines, direct liability for the costs arising from the accident, and other legal consequences.
Coverage varies depending on the policy, but these are the basic benefits of this insurance:
Coverage of medical and hospital expenses, medication, tests and treatments required following an accident at work.
Financial compensation for the period during which the employee is unable to carry out their duties.
Compensation in the event of partial or total permanent incapacity resulting from an accident at work.
Payment of the specified sum to the legal beneficiaries in the event of the employee’s death.
Coverage of expenses relating to physical rehabilitation, functional recovery and return to work, where applicable.
Workers’ Compensation Insurance is essential for:
When you work with us, you’ll have a team on your side that understands the market and the realities of your business:
We analyse various proposals to find the solution best suited to your company’s profile.
We assess the risks associated with your business and help you choose the most suitable cover.
We handle the entire recruitment process efficiently and without any hassle.
We provide specialist support at every stage of the claims process and management.
Request a free quote and compare offers from various insurers in one place.
The cost of insurance depends on a number of factors, namely:
At CJ Seguros, you can request a free quote and compare different offers to find the best deal.
The level of risk varies depending on the sector. These are some of the activities for which we have found solutions:
At CJ Seguros, we help businesses and self-employed professionals to meet their legal obligations with competitive solutions tailored to their needs. We guarantee:
Yes. It is compulsory for all employers and is also recommended – or compulsory in certain situations – for self-employed people, in accordance with the relevant legislation.
The company may be held liable for all costs arising from the accident, as well as being subject to the penalties provided for by law.
It may cover accidents occurring whilst travelling in connection with work, in accordance with the terms set out in the legislation and the policy.
You can request a free quote using the form on this page or contact the CJ Seguros team directly.
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