Workplace Accident Insurance for the Self-Employed
Compulsory protection for anyone who is self-employed
Occupational accident insurance for the self-employed provides personal and financial protection in the event of an accident while working or travelling for work. It may cover medical expenses, compensation for temporary or permanent incapacity and death benefits.
As brokers insurancewe help you find the solution best suited to your circumstances, needs and budget. We work with a range of leading insurers to offer you suitable cover at the best price.
Occupational Accident Insurance Cover for the Self-Employed
Standard Cover
– Medical and hospital treatment;
– Prescription medication;
– Transport expenses;
–Compensation for temporary incapacity;
– Compensation for permanent incapacity;
– Death benefits for legal beneficiaries.
Additional Cover Available
– Rehabilitation and vocational retraining;
– Home assistance;
– Extension of cover to specific activities;
– Extension of the geographical area covered.
The cover selected should reflect your needs and the risks you wish to insure against.
Always check the cover, exclusions and sums insured stated in the policy.
More protection. Less risk.
Get a quote for your Occupational Accident Insurance for the Self-Employed.
We’ll provide a free, no-obligation review of your insurance.
FAQs
Is this insurance compulsory for self-employed workers?
Yes. The law requires anyone who is self-employed to have this cover, including those who also work as employees. This requirement is set out in Decree-Law No. 159/99 of 11 May.
What happens if I do not have this insurance?
A self-employed worker may be responsible for paying the medical expenses required for recovery. They may also have to bear other costs associated with the accident and any resulting loss of income.
Does it apply to self-employed people who work from home?
Yes. This cover also applies to self-employed people working from home, provided the accident occurs at home during working hours and is related to their professional activity.
What is considered an occupational accident?
An occupational accident is one that occurs while providing professional services, at the workplace or during work-related travel. It may cause bodily injury and reduce the person’s ability to work.
How is the price calculated?
The price depends on the declared income, occupation, level of risk associated with the work and the insured person’s age. We therefore assess each case before providing a quote.