Insurance brokers for companies, individuals and condominiums
The intermediary makes it easy for you to choose the best insurance options, in all areas of life and non-life, whether for your family or business life.
For you & your family
Bicycle
There are several alternatives for bicycle insurance.
How can I get bicycle insurance?
You can include it in your contents insurance, either as part of your garage contents coverage or as part of your home contents coverage, so that if your bike is stolen while you are in the garage or at home, you are covered. If you opt for no deductible insurance, the insurer will pay the full value of the bicycle. You must insure it for the new replacement value and indicate the make, model, and frame number. See more in Multirisk Insurance.
Savings and Pension Funds
With so much information available on how to save money, it is sometimes difficult to know what to do.
Savings or saving money refers to not spending today to spend later. In any case, money is made for spending, today or in 20 years.
Ideally, you should start by making monthly deliveries, an amount subtracted from your account without making imbalances, if possible on a monthly basis. It should not be too low to save an amount that is important to you, but also an amount that is not too high that it becomes uncomfortable.
Personal Accidents
Insurance to prevent damages and injuries that may arise in case of an accident.
It allows various types of coverage following claims, such as:
- Capital to be received by beneficiaries in the event of death;
- Capital to be received by beneficiaries in case of permanent disability;
- Treatment costs following accidents;
- Assistance in trips abroad;
Workers' compensation insurance
Insurance required by law that allows you to insure employees and self-employed workers.
Workmen's Compensation Insurance - On behalf of third parties
Workplace accident insurance guarantees the employer's potential liability for accidents that occur to its employees in the course of their work.
It also covers the so-called commuting risk, i.e. accidents that occur on the way to and from the workplace.
Under this insurance, pensions for death or permanent disability, compensation for temporary disability, funeral expenses for the death of the employee, and compensation necessary to restore the employee's condition and ability to work, such as hospital care, medical expenses, and functional rehabilitation and prosthetics, are covered.
Occupational Accident Insurance - Self-Employed Workers,
The Workplace Accident Insurance - for Self-Employed Workers is mandatory by Law, the insurance that guarantees the payment of pensions for death or permanent disability, compensation for temporary disability, compensations necessary for recovery capacity, such as hospital care, medical expenses and functional rehabilitation and prosthesis.
What are the coverages?
| coverings | |||
|---|---|---|---|
In kind of unlimited value | In cash (part-time benefits are calculated from full-time pay) | ||
|
|
Questions
Why should you buy worker's compensation insurance?
Because Workplace Accident Insurance benefits and protects your company's employees and at the same time allows you to ensure the stability of your business. With Allianz Workplace Accidents, you are protected against any unforeseen event that may occur to your employees during the normal performance of their work tasks. The contracting of Workplace Accident Insurance is mandatory by law
Why should I, as a self-employed person, take out this specific Insurance?
Because you may have an accident during your work period, and there are certain risks that you should not take alone. In this case, you should have insurance, which guarantees the necessary expenses for your recovery and also your monthly income, so that you can fulfill your family obligations. If you are self-employed, this is the insurance that guarantees your financial stability and that of your family in case you are unable to continue working. In addition, this insurance is also mandatory by law.
Please contact an R2 for more information.
Car insurance
The most recurrent insurance, with simple or more extensive coverage.
Just like cars, auto insurance is not all the same.
Auto Insurance is an insurance that can be customized to your needs.
What are the most common covers:
-Civil Liability(CR): Companies assume the value of damages that you cause to other people, goods or vehicles, in case of accidents arising from their responsibility (in accordance with the law).
- Property Damage (PD): Includes coverages for Impact, Collision and Rollover, Fire, Lightning or Explosion, Theft or Robbery, Phenomena of Nature, and Acts of Vandalism.
- Occupants and Driver: Protection for you and those traveling with you, meaning that in the event of a car accident, those traveling in your car will be entitled to payment of compensation for death or permanent disability, treatment expenses and funeral expenses.
- Travel Assistance: Assistance for your automobile and occupants within the contracted limits.
- Legal Protection: Legal support for your defense in criminal proceedings or claim for compensation in case of an accident.
- Glass Breakage: Guarantees the replacement or repair of your car's glass, provided that the damage is limited exclusively to the vehicle's glass.
- Replacement Vehicle for Breakdown: When the insured vehicle is not repairable on the day of immobilization for breakdown in Portugal, the companies assume the rental of a light passenger vehicle.
Multirisk
Safe for your home and household goods.
To secure the walls or household goods in your house or apartment.
You can choose the covers with comprehensive basic coverage, including water damage, storm damage, or legal protection;
Additional coverages, including earthquake coverage, personal injury, damage to owner's property, pool liability, and more;
Please contact R2 for more information.
Health
Health Insurance insures your family or your company against health expenses.
Health Insurance provides coverage for your family or company employees for:
-Hospitalization and surgery;
-Ambulatory;
-Travel assistance;
-Second medical opinion;
-International medical coverage;
-Child delivery costs.
In Portugal, with high fees and long queues at the SNS (National Health System), health insurance is a great option.
Life
Life insurance helps provide financial protection for your family should you pass away within the term of the policy.
Life insurance is a contract between a policyholder and an insurer or insurer, in which the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured (usually the supporting policy).
Depending on the contract, other events, such as terminal illness or critical illness, can also trigger payment. The policyholder usually pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) can also be included in the benefits.
We work with the best and most competitive Life Insurance Companies in Portugal.
For your company
Environmental Responsibility
Environmental risks are a reality increasingly present in business activity. Protect your company with an insurance adapted to the Portuguese legislation.
More and more companies are paying attention to the environmental problems that their activity can cause. Accidents happen and that is why insurance exists.
What is Environmental Responsibility?
It is a set of attitudes (individual or corporate) that have to do with economic growth to protect the environment today and for future generations, ensuring sustainability.
Legal framework
Community - Directive 2004/35/EC of 21 April 2004
On environmental liability in terms of preventing and repairing environmental damage
National - Decree-Law No. 147/2008, July 29
Transposes into national law Directive 2004/35/EC of the European Parliament and of the Council
Legal Regime
The "polluter pays" principle;
The idea that the environment is a collective good, belonging to everyone, and that it must be protected (administrative responsibility);
Reimbursement not only of losses (assumption of Liability), but also of imminent threats of such losses (Art.2 No. 1 of Decree-Law 147/2008);
Only after 30 years are damages caused by any emissions, events, or incidents time-barred;
The Directive considers three types of environmental damage: Damage to protected species and natural habitats:
- Water Damage
- Soil Damage
The Directive considers two aspects of environmental damage:
- Prevention
- Repair
Today there are already solutions for companies. Some higher risk activities have several good alternatives on the market:
- Metallurgy and metalworking
- Textiles and clothing
- Shoe
- Plastic and rubber
- Paper
- Drinks and food
- Hospitality
- Ceramics
- Woods
- Integral management of all types of waste
- Ports, logistic centers, airports, transport terminals (passengers and goods)
- Agriculture, livestock, wine and food sector
- Pharmaceuticals
The most appropriate Insurance Companies
Work insurance
Workplace accident insurance solutions for all employees.
The workmen 's compensation insurance guarantees the employer's potential liability for accidents occurring to its employees, during the course of their professional activities.
It also covers the so-called "route risk", i.e. accidents that occur on the way to and from the workplace.
What are the coverages?
| COVERINGS | SHORT DEFINITION |
|---|---|
In cash (unlimited value) | -Medical nature. -Surgical. -Pharmaceutical, Hospitals and any others, as long as they are necessary and adequate for the reestablishment of the victim's state of health and working or earning capacity and his or her recovery to active life. |
Cash (part-time benefits are calculated based on the compensation that would be earned as if it were full-time). | - Permanent Absolute Disability; - Absolute permanent incapacity to perform usual work; - Permanent partial disability; - Absolute temporary disability; - Partial temporary disability; - Major permanent disability allowance; - Housing rehabilitation allowance; - Supplementary allowance for assistance from a third person. - Bereavement pensions. - Death grants and funeral expenses |
Car
Insurance that allows you to choose the coverage you want for each vehicle in your fleet.
Just like cars, auto insurance are not all the same.
Auto Insurance is an insurance that can be customized to your needs.
What are the most common covers:
-Civil Liability(CR): Companies assume the value of damages that you cause to other people, goods or vehicles, in case of accidents arising from their responsibility (in accordance with the law).
- Material Damage (PD): Includes coverages for Impact, Collision and Rollover, Fire, Lightning or Explosion, Theft or Robbery, Phenomena of Nature, and Acts of Vandalism.
- Occupants and Driver: Protection for you and your companions, meaning that in the event of a car accident, the people traveling in your car will be entitled to payment of compensation for death or permanent disability, treatment expenses and funeral expenses.
- Travel Assistance: Assistance for your automobile and occupants within the contracted limits.
- Legal Protection: Legal support for your defense in criminal proceedings or claim for compensation in case of an accident.
- Glass Breakage: Guarantees the replacement or repair of your car's glass, provided that the damage is limited exclusively to the vehicle's glass.
- Replacement Vehicle for Breakdown: When the insured vehicle is not repairable on the day of immobilization for breakdown in Portugal, the companies assume the rental of a light passenger vehicle.
Multirisk
The multi-risk insurances are comprehensive and respond to your specific needs.
Multirisk insurance is broad and covers your company's specific needs.
It offers several coverages such as Civil Liability, Electronic Equipment, and Personal Accidents, among many others.
There are several options for multi-risk insurance:
- Multi-risk insurance for walls only;
-Content only multi-risk insurance;
-Wall and contents multi-risk insurance.
Care must be taken to hold according to the rebuild value for the walls or the new replacement value for the filler.
Savings and Pension Funds
With so much information available on how to save money, it is sometimes difficult to know what to do.
Savings or saving money refers to not spending today to spend later. In any case, money is made for spending, today or in 20 years.
Ideally, you should start by making monthly deliveries, an amount subtracted from your account without making imbalances, if possible on a monthly basis. It should not be too low to save an amount that is important to you, but also an amount that is not too high that it becomes uncomfortable.
Health
Contracting a health plan for employees has multiple advantages.
Nowadays, a good way to retain employees is through the social benefits provided by the company.
Health insurance is one of the benefits most appreciated by the Portuguese in terms of remuneration policy.
If you want group insurance, you have lower premiums (prices) than in the individual insurance market.
Companies can deduct expenses for workers' health insurance from IRC.
Hospitalization is the basic coverage of health plans, always present in the policies. With a capital between 5 and 500 thousand Euros, it allows access to a hospital or private clinic in case of hospitalization or need for surgical intervention.
The outpatient coverage is one of the most appreciated by the insured, which gives access to general or specialty consultations, treatments, and auxiliary diagnostic exams.
Each coverage has its own annual usage limit per person.
The most appropriate Insurance Companies
Mandatory Insurance
See the list of mandatory insurances by law in Portugal: List of Mandatory Insurances
See the list of insurance required by law in Portugal:
For Condominiums
Work compensation insurance
An insurance that is mandatory by law for all people who work on behalf of the condominium such as the lady who cleans the common parts or the doorman.
An insurance that is mandatory by law for all people who work on behalf of the condominium such as the lady who cleans the common parts or the doorman.
Condominium
Insurance for Condominium Management:
There are three insurances for Condominium Management:
1.) Work compensation insurance
It is a mandatory insurance by law for all work on behalf of the condominium as an employer of the star cleaner and doorman.
2.) Multirisk
3.) Liability
Unemployment and Illness Protection
An insurance that allows the Administration of a Condominium to differentiate itself from the competition.
A new insurance in Portugal.
It allows that in case of Unemployment and Disability by Accident or Illness, of a condominium, the company assumes its share for a period of up to 12 months.
Legal protection
Legal protection insurance covers the most varied, delicate, and unforeseen situations that can arise in a condominium.
Legal Protection Insurance consists of the provision of legal, judicial and extra-judicial assistance services to the Insured Condominium, as well as the reimbursement of any expenses that the Condominium may incur as a result of its intervention in judicial or arbitration proceedings, within the scope of the insurance coverage.
Liability
Condominium Liability
In some cases, the condominium decides to contract this insurance to deal with damages that the property may cause to third parties, such as roof tiles flying in a storm and causing damage to other people's property (cars, people, etc.).
In buildings with elevators, liability insurance is also important.
Why choose R2 Promis?
Availability
We have a team of 4 professionals to help you.
Specialists
For foreigners living in Portugal, we can assist you in five languages: German, English, French, Italian, and Portuguese.
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