Workplace Accident Insurance for Employees
This cover protects employees and helps companies meet their legal obligations. Simple, quick and tailored to your needs.
Protection for employees in the event of an accident occurring while carrying out their professional duties. It also helps the company comply with the applicable legal requirements.
Without this cover, the employer may have to provide medical assistance, compensation and financial support whenever an employee suffers an accident related to their role or during working hours, whether on or off the company’s premises.
As insurance brokers, we help you find solutions with cover tailored to your working arrangements and the needs of your company or business. We assess the risks associated with your activity and confirm the relevant legal and contractual requirements. We work with several leading insurers to provide you with the most suitable cover at the best possible price.
Workplace Accident Insurance Cover
Standard Cover
– Immediate and ongoing medical and hospital care;
– Medication, treatment and transport expenses;
– Compensation in the event of temporary or permanent incapacity;
– Pensions and benefits for family members in the event of death.
Additional Cover Available
– Rehabilitation;
– Home assistance;
– Psychological support.
The cover selected should be tailored to your needs and to the type of risk being insured. It is essential to check the cover, exclusions and sums insured specified in the policy.
More protection. Less risk.
Request a Quote for Workplace Accident Insurance for Employees
We’ll provide a free, no-obligation review of your insurance.
FAQs
Is Workplace Accident Insurance for Employees Compulsory?
Yes. In Portugal, employers are legally required to take out Workplace Accident Insurance for all employees, under Law No. 98/2009 of 4 September.
What Is Considered a Workplace Accident?
A workplace accident is an accident that occurs at the workplace, during working hours, while travelling on the usual route between home and the workplace, or while travelling for work purposes.
What Is the Difference Between Workplace Accident Insurance and Health Insurance Provided by the Company?
The two types of insurance serve different purposes and do not replace one another. Workplace Accident Insurance protects employees in the event of a work-related accident and is compulsory for employers under Portuguese law. Health insurance, on the other hand, improves access to everyday healthcare services and is an optional employee benefit.
Are the Insurance Premiums Tax-Deductible for the Company?
Yes. As Workplace Accident Insurance premiums are generally treated as an operating expense, their cost may be deductible for Portuguese Corporate Income Tax purposes, subject to the applicable tax rules.
How is the price calculated?
The premium varies according to the company’s business activity, the number of employees, its total payroll, the level of risk associated with each role and the cover selected. For this reason, we assess each case individually before providing a quotation.