Accidents
Accident cover for the self-employed and their employees, including accidents covered by collective agreement.
What does it cover?
Accident insurance covers all costs arising from an accident: ambulance, hospitalisation, doctors and treatment.
It also adds compensation for death or disability resulting from an accident, both at work and outside it, 24 hours a day.
Where the sector's collective agreement requires staff to be covered, this policy is what fulfils that obligation.
Typical cover
- Compensation for accidental death
- Compensation for permanent disability
- Healthcare assistance: ambulance, hospitalisation, doctors and treatment
- 24-hour cover, both at work and outside it
What an Insurance Broker really is
A broker is the expert who mediates between the insurance company and the client, representing the insured party and their interests, rather than the insurer alone.
We are the only professionals legally qualified to advise with strict independence and impartiality with regard to insurance companies.
- We compare the marketAdvice based on an objective analysis of contracts from a sufficient number of insurance companies.
- It costs you nothingThe broker is paid by the insurer, in the form of commissions. In principle, the service costs the client nothing.
- We take care of everythingFrom taking out the policy to the claim, should one arise.
- We defend your interestsBefore the company, in the same way a lawyer would.
Other insurance for shops and the self-employed
Multi-risk for shops
The premises, contents, stock and the activity carried out inside, in a single policy.
View insurance
Holiday letting
For those who manage holiday properties as a business: liability, damage to the property and business continuity.
View insurance
Rent guarantee
For landlords of homes and business premises: guaranteed rent, eviction and damage.
View insurance
Liability
Operating, employer's, premises and product liability against third-party claims arising from your activity.
View insurance
Life
Protects your family and your business in the event of death or permanent disability of the business owner.
View insurance
Health
Health policies for the self-employed and for small teams, with group terms.
View insuranceWhat people tend to believe, and what actually happens
Five ideas we hear often, and that prove costly the day there's a claim.
"Going it alone is cheaper."
The broker costs you nothing: they're paid by the insurer. And they compare several companies at once, which you'd otherwise have to approach one by one.
"All policies are the same."
Two policies at the same price can have very different limits, excesses and exclusions. What matters is what the terms say on the day of the claim.
"The broker works for the insurer."
The broker represents the insured party and their interests. It's the agent who represents the company, and that's a different role altogether.
"If I have a claim, I'll sort it out myself."
How the claim is opened and documented shapes the whole process that follows. We handle it, and the claim itself too.
"Switching insurer is a hassle."
We handle it, including cancelling the previous policy in time so it doesn't renew automatically.
"The compulsory insurance is enough for me."
The legal minimum covers what you cause to others, not what happens to you. That's the difference between a scare and a real problem.
Shall we prepare an accident insurance quote for you?
Tell us about your situation and we'll send you a comparison of the best options on the market, the best backing for the right decision.
- No obligationWe give you the price and the cover; you decide.
- No costAs brokers, we're paid by the insurer, not by you.
- Quick responseDuring office hours, usually the same day.
What questions do you have?
We'll get back to you with an accident insurance quote and a tailored comparison.
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Would you rather talk to us? Call us on 922 235 203 or message us on WhatsApp at 667 420 381.