Employers are obliged by law to insure their employees against risks and accidents to which they may be exposed in the course of their work and commuting to and from work.
In addition to being compulsory, it is also a right of the employee and also a value for the employer.
Therefore, the success of the business project is strongly influenced by the competence and dedication of the people, who must be valued, protected and secured.
However, not all Workplace Accident Insurance Plans offer the same conditions, so the mediators of Boán & Lamas are at your disposal to help you define the most suitable plan for the characteristics of your company.
Owners or licensees of local accommodation establishments, resorts and all those who provide temporary accommodation services for remuneration are obliged to take out insurance for their accommodation unit.
The new legal requirements enshrined in Decree-Law 128/2014, of 29 August (Amendment), article 13 A, oblige you to take out a Public Liability Insurance policy to cover material and property damage caused to guests and third parties as a result of the provision of accommodation services. This policy covers damage caused to third parties in the event of fire or explosion originating in the accommodation unit.
This Policy fully complies with Art. 13-A of DL 62/2018 and is available in two options, with a minimum contracting with an Indemnity Limit of €75,000.00.
In the case of a local accommodation establishment whose unit is integrated in a block of flats building, the owner is also obliged to take out or prove the existence of a valid insurance policy covering material damage directly caused by fire in or resulting from the accommodation unit.
Multi-risk insurance covers this legal requirement, as well as guaranteeing full protection for your assets and your business.
If, during their stay, one of your guests is injured and needs medical or hospital assistance, this additional and optional protection helps to pay for the medical expenses.
Your guests will be protected 24 hours a day, both inside and outside the accommodation.
This cover ensures the safety of your guests, adding value to your accommodation.
Machinery insurance, transport insurance, boat insurance….
Guarantee for damages caused to third parties as owner (company premises) and within the scope of the company’s activity, including loading and unloading operations, use of lifts, cranes, participation in trade fairs, among others.
Guarantees against food poisoning caused by food prepared and consumed on the premises (restaurants, bars and similar establishments).
It includes a guarantee against damage caused by laundry services, theft or robbery of jewellery, precious objects and sums of money entrusted to the reception and kept in a safe.
Protection of civil construction activity and related services, such as interior remodeling companies, installation of electrical, air conditioning and plumbing equipment, locksmiths and carpenters, among others.
Guarantees the damage to the autonomous fractions and/or the respective common parts of the buildings in horizontal property.
Boán & Lamas Lda, is registered with the ASF since 10 November 2022, with the category of Insurance Agent, under no. 422577037, with authorisation for Life and Non-Life branches, verifiable at www.asf.com.pt.
