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Workers' compensation Insurance in Portugal

If you have a business with employees in Portugal, “workers” compensation insurance” is an important topic to know about. This insurance, also known as “Workers’ Compensation Insurance” or in Portuguese “Acidentes de Trabalho”, covers medical expenses and loss of wages if one of your employees is injured at work. It provides protection for workers and their families in case of accidents or illnesses to avoid financial hardship.

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Workers' compensation Insurance in Portugal

Work accidents can be caused by various factors, such as slips, falls, contact with hazardous substances or accidents at work or on the way to work. Regardless of the cause, “Acidentes de Trabalho” insurance can help mitigate the financial impact of an accident and provide security for both workers and employers.

We are a specialised insurance company for international and German speaking companies in Portugal. We offer a complete overhaul of your website to ensure that you present all relevant information on insurance offers and benefits. Contact us now for more information and a customised quote.

Arbeiterunfallversicherung in Portugal - C1 Broker Portugal - Versicherungsmakler

Workers’ compensation insurance in Portugal has a long history. The first workers’ compensation insurance was introduced in 1913 and the associated legislation was received with great enthusiasm. Today, this insurance provides benefits for workers who are injured or fall ill at work and covers the costs of medical treatment and loss of earnings. It also provides benefits for workers who are permanently unable to work and covers death benefits for the families of workers who die as a result of their work. This insurance is an important part of the social safety net in Portugal and protects workers and their families from financial hardship in the event of an accident or illness.


Work accidents can be caused by various factors, such as falls, contact with hazardous substances or even car accidents at work or on the way to work. Regardless of the cause, “Acidentes de Trabalho” insurance can help mitigate the financial consequences of an accident and provide security for both employees and employers.


Our website provides comprehensive information on insurance for international and German-speaking companies in Portugal. We specialise in tailor-made solutions to meet your individual needs. Contact us today to learn more and receive a free consultation.

Fixed or flexible workers' insurance?

As an employer in Portugal, you have the responsibility to ensure that your employees have the right insurance cover. There are two types of employee insurance: fixed and flexible. Flexible employee insurance is particularly suitable for companies with a high turnover of employees due to seasonal business (e.g. hotels, supermarkets, cleaning companies, etc.) that need to hire extra staff during the summer season. For companies with a constant number of employees, a fixed amount insurance is recommended. Visit our website for a comprehensive review and more information on insurance for international and German-speaking businesses in Portugal.

Information required for the calculation of a workers' insurance for your company in Portugal

We, as insurance brokers, are specialised in insurance for international and German-speaking companies in Portugal. In order to provide you with an accurate quote for your employee insurance, we need more information from your company. It is advisable to take out insurance as soon as you hire your first employee or want to increase your staff to avoid possible fines in case of an incident.

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Workers’ insurance is a state-mandated insurance that is subject to strict regulations. As a result, there are hardly any differences in the insurance cover provided by different insurance companies. The benefits are similar and the prices vary only slightly. Choose an insurance broker who can answer all your questions and give you the best possible advice for your business. With C1 Broker you have an insurance broker on your side who has over 26 years of experience and speaks fluent English, Portuguese, Spanish and German. We provide the service and expertise your business deserves.


If you are interested in a tailor-made offer for your employee insurance, let us make an appointment and discuss all the details. Once we have discussed your specific situation and the needs of your business, we can provide you with a more detailed quote. Once we have all the information, we will be happy to provide you with a customised offer for your company.

Choose the best workers' compensation insurance in Portugal with confidence

In Portugal, all employers are required by law to provide work accidents insurance for their employees. This includes full-time, part-time and temporary employees.  Work accidents insurance “Acidentes de Trabalho” covers a wide range of injuries, illnesses or death caused by work-related accidents. This includes both physical and psychological harm, as well as disability that may result from such incidents. Without proper coverage, an employee can face significant financial burden due to medical expenses, loss of income or even permanent disability. This can also impact the company’s reputation and result in serious legal consequences.

Work Accidents Insurance “Acidentes de Trabalho” is a policy designed to provide coverage for employees in the unfortunate event of suffering an injury or illness as a direct result of their employment.

Any business that employs workers should seriously consider Work Accidents Insurance. It’s a vital safety net for your team, offering financial protection in case of work-related injuries or illnesses.

Typically, it covers medical expenses, rehabilitation costs, and a portion of the employee’s income during the recovery period. However, the specifics may vary depending on the policy.

No, Work Accidents Insurance focuses solely on job-related incidents. It doesn’t cover illnesses or injuries that aren’t work-related, making a comprehensive Health Insurance plan essential for overall protection.

Obtaining a policy typically involves contacting an insurance provider, discussing your business needs, and obtaining a quote. It’s recommended to compare multiple providers to ensure you get the best coverage at a competitive price.