Cabeçalho 345px
YOUR INVESTMENT
MUST BE PROTECTED.
WE HAVE THE SOLUTION!
Competitiveness in the business world means that companies have to manage their investments efficiently and granted the continuity of its operations. The correct management and transfer of risks to Insurance Companies safeguards these principles of management and a lower capital requirement.

On the other hand, the globalization of economic activity brings new demands. João Mata, Lda. has presence in 105 countries through own offices and the Assurex network, what allows to draw effective solutions in Portugal to risks in the country or in other geographies where our customers operate and follow it on all the circumstances.

PRODUCTS

  • Workers Compensation

    more info

  • Health

    more info

  • Property

    more info

  • Motor / Fleet

    more info

  • CMR

    more info

  • Civil Liability

    more info

  • Electronic Equipment

    more info

  • Machinery Breakdown

    more info

  • Contractores All Risk (C.A.R.)

    more info

  • ASSEMBLY

    more info

  • Credit

    more info

  • Cargo

    more info

  • Personal Accidents

    more info

  • Leasing Assets Insurance

    more info

  • Directors & Officers

    more info

  • Loss of Profit

    more info

  • Environmental Liability

    more info

  • Life

    more info

  • Pension Plans

    more info

This is a compulsory insurance that is intended for all employers with full or part-time work.

This insurance transfers to the Insurer the reparation of damages arising from accidents at work, suffered by workers, even when displaced in service abroad, upon prior indication to the Insurer.

The lack of insurance is punishable by law and may imply payment of a fine.

ask for more information

It is a complementary or alternative insurance to the National Health Service (SNS) being considered as one of the benefits most valued by the employees of the companies, as it covers medical expenses, in consequence of both illnesses and accidents, being guaranteed the payment of agreed services and/or the reimbursement of expenses as a result of illness or accident up to the limits established in the Policy.

Health Insurance is increasingly viewed by companies as a benefit that it promotes with its employees, aiming at their health satisfaction in the workplace.

In addition, the insurance premium can be deductible to the profit tax and is not subject to social security contribution.

ask for more information

It protects service, commercial or industrial companies against numerous risks that can compromise business continuity. It guarantees not only the assets of the Company Insured, as buildings, equipment, furniture and stocks, as well as damages caused to third parties by the normal activity.

With a wide scope of guarantees, this insurance covers the risks of fire, theft, flood, lightning, strike, explosion, civil liability, etc.

ask for more information

Mandatory Insurance in the third parties Civil Liability component, transported or not, including passengers transported free of charge.

In addition to Civil Liability, Motor Insurance provide comprehensive optional covers, as Personal Accidents for the passengers and for the driver, Travel Assistance, Legal Protection, Glass Breakage, Car Replacement, etc. It is always advisable to subscribe to coverages for Own Damages.

Some insurers make the fleet insurance in a single policy, which includes all the vehicles of the Policyholder.

ask for more information

All companies that are licensed to operate in the International Freight Transport by Road are obliged to contract and keep valid an insurance policy that covers their civil liability for damages caused to objects transported under the Convention on International Contract of Carriage of Goods by Road, commonly known as CMR.

That Convention regulates in a uniform manner the conditions of the contract for the international carriage of goods by road. This Convention shall apply to goods carried out for consideration where the place of loading of them and the intended place of delivery are situated in different countries, at least one of which is a contracting country.

ask for more information

This insurance guarantees liability arising from damages caused to third parties in the exercise of commercial or industrial activity, by sale of defective products, or by acts practiced by the management of the company or by its collaborators.

The General Civil Liability Insurance can be assumed in several plans, guaranteeing, among other coverages, the damages resulting from the operation of a certain activity, the exercise of a certain profession, etc.

Product Liability Insurance covers damages caused to third parties due to incorrect, accidental or unintentional contamination, destruction or labeling of a particular product, occurring during or as a consequence of its production, preparation, manufacture, packaging or distribution.
It may also include the following coverages: Malicious Manipulation of Products, Extortion, Loss of Profits, Withdrawal Expenses, Consultancy Expenses.

Through the Professional Civil Liability insurance, the Insurer guarantees liability for damages caused to customers or to third parties, as a result of an error or a professional misconduct practiced by employees, employees or agents. Therefore, there is compensation for these losses, which is of great importance: after all, a small contingency can have quite serious consequences for a particular business.

ask for more information

This kind of insurance covers the damages suffered by the equipment, whether they are in the office or in factory, in particular as a result of external actions. Internal faults are still covered, such as those caused by short circuit, overvoltage, abrupt power outage or overheating , for errors in handling or defects of the material.

ask for more information

Machinery breakdown insurance covers damage to machinery, whether at work or when is stopped, to be transferred, reassembled or dismantled for cleaning, inspection, repair or installation in another position, as a result of internal equipment or abnormal operation.

To the Base coverage of this insurance, other risks can be added, namely:

• Deterioration of refrigerated goods
• Accidental spillage in tanks or reservoirs
• Refractories and / or masonry in industrial furnaces and boilers
• Foundations of machines and / or equipment

ask for more information

Contractores Insurance is an "All Risks" insurance that covers accidents of sudden and unforeseen origin that can result in material damages that have occurred in insurance works (civil construction or public works).

This type of insurance guarantees the payment of damages to the Insured in the event of loss and damage to the work or property subject to insurance as a result of a claim, whatever its cause, except for the exclusions provided in the policy, when necessary to replace or repair as it was immediately before the accident occurred.

Unless expressly stated otherwise, this insurance exclusively guarantees the claims incurred in the place of work covered by the insurance during the validity period of the policy and whose losses or damages are claimed by the Insurer within a maximum of two years after its termination.

Optional:

• Non-contractual civil liability legally attributable to the owner of works and / or contractors for damages resulting from personal injury and / or property damage caused to third parties, as a direct consequence of the execution of the insured work;

• Custom parts and equipment, material damage to facilities, machinery and auxiliary equipment, used for the execution of the insured work.

ask for more information

Assembly Insurance is a "All Risks" insurance that covers accidents of sudden and unforeseen origin that could result in material damage that occurs in the insured work (industrial assemblies).

This type of insurance guarantees the payment of damages to the Insured in case of loss and damage to the work or property subject to insurance as a result of a claim, whatever its cause, except for the exclusions provided in the policy, when it is necessary to replace or repair as it was immediately before the occurrence of the accident.

Unless expressly stated otherwise, this insurance exclusively guarantees claims incurred at the place of work covered by the insurance during the validity of the policy and whose losses or damages are claimed from the Insurer within a maximum of two years after its termination.

Optional:
• Non-contractual civil liability that is legally attributable to the owner of works and / or contractors, for damages resulting from personal injury and / or material damage caused to third parties, as a direct consequence of the execution of the work;

• Custom parts and equipment, material damage to facilities, machinery and auxiliary equipment, used for the execution of the insured work.

ask for more information

Credit Insurance covers non-payment of credit sales in the domestic and export markets.

It is an excellent tool for preventing default and for protecting the resulting negative consequences, such as an uncollected amount loss, a lack of liquidity, such as collection management expenses and new customer research.

Possibility of underwriting other coverages, such as: Political and catastrophic risk, pending orders for delivery and pre-shipment, manufacturing risk, litigation (judicial impugnation), consignment sales, cash sales against delivery of documents and advances to a provider.

ask for more information

This Insurance covers the damage caused to the goods or objects when transported by ship, lorry / car, rail or airplane, between Portugal and any country in the world (and vice versa), between Continental Portugal and the Autonomous Regions, or only in mainland Portugal.

It assists Insured to bear the negative consequences related to losses or damages suffered by goods during their transportation by any type of route, and may also guarantee property interests identified as special packing expenses and taxes, or other charges, and expected profits.

ask for more information

This Insurance guarantees the payment of compensation in case of death or permanent disability, and may also cover medical and other expenses of the Insured Person, as a result of an accident.

Group Personal Accident Insurance covers a group of people connected with each other and with the Policyholder by a common interest other than insuring. This type of insurance aims to offer maximum protection against damages caused by any accident (even if it is not serious), that occurs in the professional activity or in private life, including the practice of sports and even the during a trip .

This kind of insurance offers protection 24 hours a day in almost every part of the world, assuming the payment of compensation of the persons insured in case of accident, as well as medical expenses associated with.

Note: For a 24-hour guarantee, the option of occupational and extra-professional risks is assumed.

ask for more information

Leasing Assets Insurance supports material losses, as a direct consequence of any unforeseen accident, affecting equipment purchased under leasing contracts, whether or not they are working, be assembled or disassembled for the purpose of repair, cleaning, overhaul, reconditioning or transfer to another location or location within the defined area of risk.

This insurance protects the financial stability of companies and safeguards the interests of the lessor, guaranteeing the payment of compensation for losses or damages caused by an accident or unforeseen occurrence

ask for more information

The Directors and Officers of a company are:

• Legally responsible for both errors and omissions in the management of their Company and therefore they assume this responsibility in a personal, solidary and unlimited way. They risk losing their and their families assets.

• They may also suffer other economic or reputational damage and require specialized advice.

D & O insurance is contracted by the companies to protect directors, administrators and the Company itself, against third party claims (examples: creditors, partners, employees, competitors, customers and suppliers), including defense costs.

It covers expenses related to attorney's fees for the defense of a director or administrator in connection with such legal proceedings, as well as compensation for damages and stipulated agreements, provided that no fraudulent behavior is established against them

ask for more information

This Insurance guarantees the accounting losses related to the downtime, the reduction of working capacity, or additional expenses, resulting from a claim covered by the Property Policy.

It ensures losses due to the interruption or reduction of the Company's activity in the event of a claim under its property damage policy, since the interruption or reduction of activity may be prolonged and jeopardize the continuity of the business.

Gross Profit is covered, namely the difference between Sales and Variable Costs for the period of indemnity defined in the contract (usually 6 or 12 Months). It also guarantees Extraordinary Costs incurred with the purpose of minimizing or avoiding the interruption of the business due to a covered claim.

ask for more information

This compulsory insurance for certain activities covers damages arising from sudden, accidental and gradual and progressive pollution for which it is legally liable due to related claims for damages to the environment.

The insurance may also include losses due to: cleaning costs, personal injuries, material damages, costs of prevention / attenuation, damage to biodiversity, legal costs.

The legal regime of liability for environmental damage is based on the polluter pays principle.
Under current legislation, the industries are now responsible, not only for the cleaning costs of pollution caused by their facilities, but also for damage to natural resources, habitats and species, including costs to restore the environment in their initial condition, before the damage occurred.

The law provides that where the harmful activity is attributable to a legal person, the obligations envisaged shall be jointly and severally levied on the directors, managers or administrators of the company.

The financial guarantees that support the risk may be constituted through the subscription of insurance policies

The risk of environmental impact is something that, to a greater or lesser extent, is transversal to all activities, so the hiring of an Environmental Civil Liability insurance is, above all, a responsible attitude.

ask for more information

This insurance guarantees, as the main coverage, the risk of death, survival or both of one or more persons insured. The Insurer undertakes to pay the insurance capital in case of death of the Insured person (insurance in case of death) or survival of the Insured person (life insurance).

It may also include, as additional coverages, the risk of disability, accident or unemployment.

In life insurance covering the risk of death of the Insured person (insurance in the event of death), the Insurer pays to the beneficiary the agreed capital if the Insured person dies during the period fixed in the contract.

ask for more information

Medium or long-term savings insurance, which may contribute to supplement the retirement or be used to fund the education of the participant or his or her family.

There are the following solutions:

• Retirement Savings Plans (PPR), associated with a retirement savings fund;
• Savings-Education Plans (PPE), linked to a savings-education fund;
• Retirement / Education Savings Plans (PPR / E), associated with a savings-retirement / education fund.

Contributions to the savings fund are usually made by the participant or his employer.

ask for more information