BUSINESS INSURANCE IN PORTUGAL IN ENGLISH
INSURANCE FOR BUSINESSES IAND COMMERCIAL PREMISES IN PORTUGAL
A GUIDE TO COMMERCIAL INSURANCE IN PORTUGAL FOR BUSINESS OWNERS.
In the current crisis and Covid 19, it is more important now to make sure that your Business in Portugal is insured correctly. Many are losing their businesses and sometimes the right insurance might just keep you going. As more and more businesses improve and upgrade their online presence, it is important to remember that your data also needs protecting.
Depending on the type of business you own, Public and civil liability insurance is essential. With the heightened risk of being sued for just about anything these days, you wouldn’t want to put your business at risk by not having the correct cover. Building and premises insurance along with commercial vehicle insurance if you are delivering or visiting people to provide them with a service. You can cover for loss of income, theft by staff and a whle host of covers to suit your needs.
Each policy is tailored to accommodate the type of business you offer and therefore you only pay for the cover you need. Whatever type of business you have, from beauticians, mobile hairdressing or mobile mechanics, estate agencies, vets, care workers, gardeners and builders, offices, shops and factories, we can provide you with insurance to protect your most valuable assets.
PRIVATE MOBILE BUSINESS INSURANCE IN PORTUGAL.
Protection with insurance for businesses that are mobile such as mobile hairdressing, care workers and mobile mechanics and plumbers and electricians which offer a call out service will need to protect themselves for public liability , loss or theft of your tools and equipment which may be kept in your commercial vehicle whilst visiting clients and cover yourself for the potential loss of income if your vehicle is stolen.
SELF EMPLOYED PUBLIC LIABILITY INSURANCE IN PORTUGAL.
Self-employed insurance in Portugal offers cover for you as the self-employed, including professional indemnity, whilst employers liability is not required until you start employing people. Self-employed public liability insurance is not a legal requirement in Portugal but is considered an essential if you have a business whereby the general public visit your business premises.
PUBLIC LIABILITY INSURANCE FOR BUSINESSES IN PORTUGAL.
Public liability insurance protects you and your business against any claims for compensation and legal costs if a third party is involved in an injury or damage to property, whist on your premises, or if you cause damage to a third party whilst you are working in or on their premises. Public liability can cover everything up to and including a death.
EMPLOYERS LIABILITY ISURANCE IN PORTUGAL.
Employers Liability insurance covers you for any claims from employees for any work-related illness or injury. Certain safety measures are required to get your business opening licence when opening premises or an office for a business. If you do employ staff and your premises are visited by the public, for whatever reason, having employers liability and public liability should be seriously considered as part of the businesses essential costs.
PUBLIC LIABILITY INSURANCE IF YOU WORK FROM HOME.
Many people work from home in the service sector, more so now with the Covid 19 lockdowns in most countries. If you are working from home and packaging and posting out leaflets or parcels, or offering a home service as a small business just getting going. If you don’t have people visiting your home and you don’t visit their premises, then liability insurance isn’t really necessary.
PUBLIC LIABILITY INSURANCE FOR PUBLIC EVENTS OR PARTIES.
From big corporate events to events being held in your offices or at a hotel or specific venue, especially where there is likely to be public visiting your stall or event, you should consider an event insurance, as hotels etc may only be covered for events that they host. Speak to one of our insurance specialists and we will find the right insurance cover for your specific or regular events.
BUSINESS AND COMMERCIAL INSURANCE IN PORTUGAL.
Protection your office or commercial buildings in Portugal.
If an event occurs that is insured, such as a flood or fire at your business premise, the buildings insurance will cover the costs of repairing the damage.
Insuring commercial contents and stock values in Portugal.
You can’t operate your business without the tools of your trade. Computers, desks, office equipment, stock, raw materials and finished items ready for transport or sale. Insuring your stock is like protecting your money. If it is stolen or damaged by fire or flood the insurance will cover the costs of replacement.
Business interruption insurance in Portugal
If your business was interrupted by an insured event such as fire or flood and you are no longer able to trade or run your business, business interruption insurance will cover the costs of losses to your business.
Theft and takings insurance in Portugal.
If your business handles cash and takings from the public, online or by other means, our commercial business insurance can cover you for theft by employees and by the public.
Legal expenses are included in most commercial insurance policies in Portugal and will provide you with the Insurance Lawyers to mitigate any legal requirements you may need for legal problems or disputes with clients.
Cyber Insurance cover in Portugal.
Some commercial business insurances are looking at the coverage of Cyber insurance and Ransomware cover. This is a complex and ever-increasing risk that has become more relevant in the past few years. Large companies are not averse to paying the ransom for cyber-attacks as they may have hundreds of employees stopped from working due to ransomware.
Goods in transit insurance in Portugal.
Many commercial businesses need to move products around the world in a variety of different vehicles.
Tailor your business insurance in Portugal,
By tailoring your business insurance, you will get the right cover and potentially save you a large amount of the premium. Unlike most standard business and commercial policies, which are based on a basic coverage for all types of businesses, by tailoring your insurance you will not be paying for cover you may not need as it all depends on the type of business you run.
As there are so many different businesses in Portugal, we would recommend that you speak to one of our Business insurance specialists by contacting us so that you get the right business insurance in Portugal.
BAR AND RESTAURANT INSURANCE IN PORTUGAL
Comparing insurance products to get the right one tailor made for your business is what we do best. Our selection of insurance products to cover Bars and Restaurant owners in Portugal is unique in that we take the time to make sure that you do have the right cover and don’t just throw the cheapest, inadequate insurance policy at you to get your business.
We are proud of what we do, and we do it well. Our specialist business team will evaluate your needs professionally and provide you with the right bar or restaurant insurance.
One of the most important parts of the insurance is the public and/or private liability insurance which covers you in the event of an injury to your staff or a member of the public.
Having the 24 hour 365 days a year Emergency Call-out service offers immediate emergency repairs.
For Bar and Restaurant insurance you would expect to include fire, theft, damages, water leaks, electrical damages, loss of earnings, loss of rent, breakages, consequential losses, all risk accidents, power cuts and freezer goods, just to mention a few of the covers available.
Talk to one of our professional Business and Commercial insurance specialists and we will make sure that you are covered properly and that you get a fast and accurate claims service should you ever need it.
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Copyright Plegasus Europe S.L. All rights reserved Updated January 2021