What are the mandatory insurances for companies?
Posted: Thu Dec 05, 2024 8:13 am
Having a company implies complying with certain tax and employment obligations. Insurance is one of these responsibilities that companies are required to take out.
With the exception of occupational accident insurance, which is common to nurse phone number data areas of activity, there is no set of insurance policies that are common to all companies. Depending on the business area and the way in which the functions are to be performed, each company is required to take out certain insurance policies for its particular situation.
Work Accident Insurance
This is a mandatory insurance for both employees of a given company and independent workers (service providers). It also applies to professionals who are employees of a company and work on their own.
Typically, there are two types of workers' compensation insurance:
Work Accidents for Third Parties - the responsibility of employers, with permanent or temporary employees, part-time or full-time. As a rule, in the event of a work accident, this insurance provides specialized medical assistance to employees and protects the company against any liabilities and expenses that may arise (temporary or permanent disability and death).
Work Accidents for Self-Employed Workers - all professionals who work independently must take out this insurance, which protects them in the event of accidents occurring during their professional activities.
Personal Accident Insurance
Typically used by self-employed professionals as a supplement to work accident insurance, it covers the risk of physical injury, permanent disability or death. Personal accident insurance is only mandatory for specific professionals or entities, for example, top-level athletes, maritime-tourism operators and entities that organize holiday camps or sporting events. You can consult all the professions and activities covered by personal accident insurance .
The main types of coverage for this insurance are:
Death;
Permanent disability;
Hospitalization;
Temporary incapacity due to hospitalization;
Expenses for treatment of bodily injuries;
Funeral expenses;
Assistance.
Civil Liability Insurance
Basically, liability insurance exists to cover any damage caused to third parties. It is mandatory insurance for various professional and leisure activities: for example, hunting activities, gas appliance assembly or certain professions (lawyers, insurance brokers, etc.).
Car Insurance
If you have vehicles in your company's name, car insurance is part of the list of insurance policies you should take out. Typically, car insurance for companies covers drivers and occupants, roadside assistance, replacement vehicles, mandatory civil liability and legal protection, but it is possible to include more coverage.
Fire Insurance
If the company owns properties in horizontal property, it must take out fire insurance. This protects the facilities from damage caused by fire, water or loss of raw materials. This insurance also covers natural phenomena, such as storms, landslides, etc.
With the exception of occupational accident insurance, which is common to nurse phone number data areas of activity, there is no set of insurance policies that are common to all companies. Depending on the business area and the way in which the functions are to be performed, each company is required to take out certain insurance policies for its particular situation.
Work Accident Insurance
This is a mandatory insurance for both employees of a given company and independent workers (service providers). It also applies to professionals who are employees of a company and work on their own.
Typically, there are two types of workers' compensation insurance:
Work Accidents for Third Parties - the responsibility of employers, with permanent or temporary employees, part-time or full-time. As a rule, in the event of a work accident, this insurance provides specialized medical assistance to employees and protects the company against any liabilities and expenses that may arise (temporary or permanent disability and death).
Work Accidents for Self-Employed Workers - all professionals who work independently must take out this insurance, which protects them in the event of accidents occurring during their professional activities.
Personal Accident Insurance
Typically used by self-employed professionals as a supplement to work accident insurance, it covers the risk of physical injury, permanent disability or death. Personal accident insurance is only mandatory for specific professionals or entities, for example, top-level athletes, maritime-tourism operators and entities that organize holiday camps or sporting events. You can consult all the professions and activities covered by personal accident insurance .
The main types of coverage for this insurance are:
Death;
Permanent disability;
Hospitalization;
Temporary incapacity due to hospitalization;
Expenses for treatment of bodily injuries;
Funeral expenses;
Assistance.
Civil Liability Insurance
Basically, liability insurance exists to cover any damage caused to third parties. It is mandatory insurance for various professional and leisure activities: for example, hunting activities, gas appliance assembly or certain professions (lawyers, insurance brokers, etc.).
Car Insurance
If you have vehicles in your company's name, car insurance is part of the list of insurance policies you should take out. Typically, car insurance for companies covers drivers and occupants, roadside assistance, replacement vehicles, mandatory civil liability and legal protection, but it is possible to include more coverage.
Fire Insurance
If the company owns properties in horizontal property, it must take out fire insurance. This protects the facilities from damage caused by fire, water or loss of raw materials. This insurance also covers natural phenomena, such as storms, landslides, etc.