Protection solutions designed for your company’s reality
With the right cover in place, your company remains stable even when accidents, damage, claims, operational failures, or revenue losses occur.
Every business has its own risks. We create protection solutions tailored to your company’s reality.
Commercial Multi-Risk
Commercial multi-risk is one of the most comprehensive insurance policies for businesses. It covers:
- Buildings and premises
- Equipment and goods
- Fire, floods and other natural events, theft and vandalism
- Prevent a Claim from Stopping Your Business
Frequently Asked Questions
Which company assets are covered?
Commercial multi-risk insurance covers the building or unit (if owned by the insured), the installations and improvements, machinery and equipment, furniture and contents in general, as well as goods or stock. In short, all the tangible assets needed to run the business can be protected.
Is damage caused by natural events (storms, floods, earthquakes) covered?
Events such as storms (strong winds, hail), floods, or landslides are standard covers in most commercial multi-risk policies and are included in the policy. Earthquake cover is usually not included in the basic cover and must be taken out as an optional cover.
How is the sum insured for buildings and contents determined?
The sum insured should correspond to the rebuilding value of the building and the replacement-as-new value of movable property, machinery, and goods. Correctly setting the sums insured is essential to avoid underinsurance (insufficient cover that limits compensation in the event of a claim).
What is the difference between commercial multi-risk insurance and home insurance?
Commercial property insurance is aimed at the risks and needs of businesses and economic activities, while home multi-risk insurance is intended for private homes. In addition, certain optional covers in the business line (such as business interruption or machinery breakdown) do not apply to home insurance. Business insurance protects your company’s investment, while home insurance protects your home and family.
Workplace accidents
Workplace accident insurance is mandatory for all companies with employees.
This insurance provides:
- Medical and hospital care
- Compensation for temporary or permanent disability
- Protection in the event of the employee’s death
- Comply with the Law Without Failing to Protect People
Frequently Asked Questions
Is workplace accident insurance mandatory?
Yes. Workplace accident insurance is mandatory for employees, as well as for self-employed workers. Not having insurance is punishable by law and may result in a fine.
Are accidents during remote work covered?
Yes, provided they occur during the defined working hours and meet the applicable legal criteria.
Are accidents that occur on the way to or from the workplace covered?
Yes. Workplace Accident Insurance covers accidents that occur on the routes normally used and within the time usually taken by the employee between their residence and their workplace premises.
How is the premium for Workplace Accident Insurance calculated?
The premium for a Workplace Accident Insurance contract depends mainly on the company’s activity and the remuneration (salary, meal allowance, bonuses, other remuneration).
Civil Liability
This insurance protects the company against damage caused to third parties in the course of its professional activity.
It covers damage caused to third parties, such as:
- Accidents on the premises
- Property damage to clients or suppliers
- Protect the Company from High Compensation Claims
- Help Protect Your Company’s Image
We offer the following solutions:
- Public Liability (Operations)
- Professional Indemnity
- Environmental Liability.
Frequently Asked Questions
What does general civil liability cover?
General civil liability insurance provides protection against damage caused to third parties, whether due to an accident, incident, or any other situation in which the insured is considered liable, and is therefore not directly related to the provision of professional services.
This insurance is essential to protect against incidents that may occur on the company’s premises or during the performance of business activities.
What does professional civil liability cover?
Professional civil liability insurance protects professionals and companies against financial losses resulting from errors, omissions, or negligence in the exercise of their professional activity. This insurance covers potential claims brought by clients or third parties who feel harmed by failures in the service provided. This type of insurance is particularly valued by professionals whose activities involve advice, consultancy, or specialised services, where a lapse can result in significant financial losses for the business.
Alojamento Local
The law requires civil liability insurance for those who operate Alojamento Local.
- Civil liability for damage to guests and third parties (minimum capital €75,000)
- Pecuniary and non-pecuniary losses arising from the provision of the service
- Fire damage (required in condominium ownership)
- Multi-risk cover for the property and contents (recommended)
Frequently Asked Questions
Who must have Alojamento Local Civil Liability insurance?
All holders of Alojamento Local registrations for houses or apartments with capacity for up to 8 guests are legally required to take out the mandatory Alojamento Local insurance. This requirement is set out in Decree-Law No. 76/2024.
Should I take out AL multi-risk insurance?
Yes. Multi-risk insurance does not replace the mandatory Alojamento Local insurance. Multi-risk insurance protects the property and contents, while the mandatory insurance covers damage caused to third parties, such as guests, visitors, or neighbours.
Where should I submit proof of insurance?
After taking out the insurance, the proof must be submitted online via the Government portal.
🔗 Submit proof of Alojamento Local insurance
Failure to submit it may lead to the suspension or cancellation of the AL registration.
Health and Life for Businesses
A strong benefits package helps attract and retain top talent.
- Access to private healthcare services and care
- Preventive care and wellness programmes
- Life insurance cover for financial security
- Tax benefits for the company
Frequently Asked Questions
Can health and life insurance be tailored to employees’ needs?
Yes. It is possible to set the sum insured and select the covers best suited to the personal, family, and financial situation.
How do I choose the most suitable insurance?
The best solution depends on your family situation, your protection goals, and the level of cover you want. A personalised assessment makes it possible to find the option best suited to your profile.
Which insurances are mandatory and which are recommended?
- Mandatory insurance:
- Civil liability insurance: This insurance covers damage caused to third parties in the course of business activity—for example, if a client has an accident on your premises or if there is damage to someone else’s property, this cover protects against potential claims.
- Workplace accident insurance: This insurance is mandatory and provides compensation in the event of a claim occurring during the performance of employees’ duties.
- Company vehicle insurance: If the company uses vehicles in its operations, it is essential to have motor third-party liability insurance to cover any damage to third parties.
- Recommended insurance:
- Property protection insurance: This solution protects the company’s tangible assets, such as premises, equipment, and machinery, against damage caused by fire, theft, or natural disasters, ensuring a swift recovery of operations.
- D&O insurance: This solution is aimed at the company’s directors and officers, covering them against claims arising from management decisions. It helps prevent personal losses in the event of lawsuits for alleged mismanagement or negligence.
- Professional civil liability insurance: this solution is ideal for companies that provide specialised services, covering errors or omissions that may cause losses to clients and protecting your business’s reputation and financial stability.
Do you need a solution tailored to you?
Our team is available to design the ideal protection for your business.