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WE TAKE CARE OF YOUR FAMILY'S SAFETY
AND WELL-BEING
We have unique and innovative solutions for your Property Insurance and for your family well-being. We have a team of financial advisors to help you find the best solutions for savings and investment plans, as well.

PRODUCTS

  • Life

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  • Retirement Saving Plans

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  • Domestic Workers Compensation

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  • Health

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  • PROPERTY

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  • Motor

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  • Civil Liability

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  • Personal Accidents

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  • Self-employed Workers Compensation

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  • Travel

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  • Pets

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  • Recreational Boat

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  • Hunters

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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 (insurance in case of life).

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.

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It is intended for individuals who want to save and privilege the creation of a long or medium term saving for the moment of retirement.

The medium-term and long-term reform plan contributes to the security of the pension and allows it to cover against other circumstances, such as prolonged unemployment, permanent incapacity for work, serious illness or death.

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Compulsory insurance that guarantees accidents that domestic workers can suffer in their professional activity, eg: domestic servants, gardeners and drivers, during the period in which they are at the service of the Policyholder, even if off-site and working time

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Insurance guarantees the payment of medical expenses such as hospital surgeries, consultations, treatments and examinations, medicines and others as a result of an accident or illness.

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Insurance that covers the risks of the household or condominium with respect to the buildings and their contents.

Through a wide range of coverages, damages such as Fire, Lightning or Explosion, Burglary, Flood, among others, as well as Liability to third parties, etc., will be guaranteed.

Note: Fire insurance is MANDATORY for buildings under the horizontal property regime.

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The Motor Civil Liability Insurance is mandatory, covering the damages suffered by third parties transported or not, including passengers transported free of charge.

In addition to the Civil Liability, the Automobile Insurance Policies provide the optional coverages for Passengers, including the driver, Travel Assistance, Legal Protection, Glass Breakage, Car of Substitution, etc.

It is always advisable to subscribe to coverages for Own Damages.

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It guarantees the damage caused to third parties by private, professional or leisure activity of the Person Insured and by his/her dependents.

It is the obligation imposed by law, for each one of us, to respond for the damage it causes to another. Civil liability may arise from action taken by the individual himself or by persons under his or her dependence.

The General Liability Insurance can, therefore, be assumed in several ways, guaranteeing, among other coverages, the damages resulting from acts and / or omissions of the household and domestic animals

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Insurance that guarantees the payment of capital and / or compensation in case of death, permanent disability, medical expenses, etc. of the Insured Person, as a consequence of an accident, that occurs in work or leisure for 24 hours a day, almost all over the World.

Any individual who has full or part-time staff with or without a signed employment contract is legally responsible for the consequences of accidents with these staff during the provision of services.
This liability extends to accidents occurring during the journey from home to the workplace and upon return.

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The Work Accident Insurance for Self-employed Workers guarantees in the event of a Work Accident, all the follow-up on the recovery and damages that the law confers to the worker and to which they are entitled.

The Self-employed Workers Insurance is mandatory, aimed at all those who, being professionals, carry out an activity of their own, even if, simultaneously, they carry out an activity for others.

This type of insurance allows the underwrigting of the optional coverage of Personal Accidents that protects the worker in case of accidents occurred during his extra-professional activities.

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Personal Accident insurance, whose specific guarantees, applies to persons and baggage, during the period of the Trip.

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PETS
The Portuguese law establishes the rules for the possession of Potentially Hazardous Animals. According to the that, the holder is obliged to have a Civil Liability Insurance in relation to the pet.
Potentially Hazardous Animals are those that, due to species characteristics, aggressive behavior, size or potency of the jaw, can cause injury or death to people or other animals.

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This type of insurance covers the damage caused to the vessel, the responsibility of its use, the occupants and the nautical assistance.

Among other objectives, this insurance responds to the legal obligation to underwrite the Civil Liability Insurance for Recreational Vessels, to all those who are owners of pleasure boats registered in Portugal, in Captaincies or Maritime Delegations.

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Guarantee of civil liability of the Insured, arising from the practice of hunting, in accordance with the specific legislation applicable, and may also cover guns and hunting dogs.

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