PROTECT YOUR WORK, PROTECT YOUR INCOME


WORKING INDEPENDENTLY DOES NOT MEAN WORKING WITHOUT PROTECTION


Being self-employed means taking on responsibilities, and protection in the event of an accident is one of them. Workers’ compensation insurance for self-employed individuals provides protection in the event of an accident that occurs while performing their professional activities.

For those who can't afford to wait


Compliance with Legal Obligations

Workers' compensation insurance is mandatory for self-employed workers.

Income Protection

Financial support in the event of temporary or permanent disability.

Medical Expense Coverage

Medical care, treatments, and hospitalization resulting from a work-related accident.

Support in serious situations

Coverage in the event of disability or death resulting from an accident.

Safety in the Performance of Work Activities

Protection while working and during related travel.

Peace of mind at work

It allows you to focus on the task at hand with greater confidence.

What does the insurance cover?


Accidents Occurring in the Course of One's Professional Activities

Situations that occurred during work.

Work-Related Accidents

Work experience related to the position.

Medical and Hospital Expenses

Medical treatment, tests, and hospitalization resulting from the accident.

Compensation for Temporary or Permanent Disability

Financial assistance based on the degree of disability.

Pensions or death benefits

Support for beneficiaries in the event of death.

Rehabilitation and Recovery

Support for recovery processes following an accident.

Applicable Terms and Conditions

The specific coverage depends on the terms of the policy and the type of business conducted.

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HOW DO YOU WANT TO PROTECT YOUR WORK?

Workers' compensation insurance for self-employed individuals is tailored to the type of work performed and the level of risk associated with that work.

How can we help?

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Dedicated Consultant

You'll have an exclusive dedicated consultant to assist you and answer any questions you may have at anytime.
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Assessment

We go through the best solutions available from our partner insurance companies.
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Insurance Quote

We'll send you a detailed quote with the most advantageous and suitable options.
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Subscription

We help you through the entire process, from start to finish.

THE STARS SPEAK FOR THEMSELVES.
AND OUR CUSTOMERS SPEAK FOR US.

Ana Rita Fernandes

I would like to take this opportunity to express my appreciation for the professionalism and quality of service provided by your employee, Carla Aires.

I would like to highlight your responsiveness, efficiency, and clear communication, which contributed to a very positive experience.

Best regards
Ana Rita Fernandes

Victor Sambo

very good

Ernesto Dias

An extremely competent professional. I switched my home insurance without having to worry about the red tape involved. I’m satisfied not only because I was able to significantly lower my insurance premium, but also because of the professionalism, care, and competence shown in guiding me through the entire process.
I highly recommend Mr. Klycharlles Barners.

Carla Bom

I’m giving a 10-star recommendation for the service I’ve received from Klycharlles Barners and EXS SEGUROS. I’ve been a client for several years, with various types of insurance policies, and I’ll continue to purchase all my insurance through him. He is a highly competent professional who is always available, demonstrates deep knowledge of the insurance field, consistently presents the solutions best suited to the client’s needs, and, above all, inspires confidence in the service he provides. I highly recommend him!!!

Hugo Conceição

Klycharlles Barners 5*

Carla Santos

I highly recommend the services of EXS Seguros. They are extremely competent and dedicated professionals who are always available to answer any questions. They demonstrate a deep understanding of the insurance industry and consistently provide solutions best suited to the client’s needs. Their ethical approach and professionalism inspire confidence and reassurance. Without a doubt, an excellent insurance agent.

Jorge Silva

Kly is an excellent professional—someone who, within the company, followed up on my cases (mine and my wife’s) and went from being an employee to a friend, even though we’ve only ever spoken on the phone. I highly recommend him, as he is competent, trustworthy, and reliable—qualities that are hard to find these days. Congratulations to the company for having a professional like him.

Nuno Gomes

I’ve been a client of the company for almost 3 years, and I’ve always worked with Clycharlles Barners to handle my needs. The support provided has been excellent. Clycharlles has always demonstrated great professionalism, competence, and complete transparency in all the information provided. He is clear, approachable, and inspires confidence. I am very satisfied with the service provided. Keep up the good work.

Rafael Castro

Highly recommended. Awesome service, efficient and clear communication, and the best prices. Andreia Jacques was our dedicated agent, and we couldn’t be happier with her service. She made us feel like we were her only client and her top priority.

Gustavo Gonçalves

I recently had the pleasure of working with Klycharlles Barners at EXS on my personal insurance, and I can’t recommend him highly enough. Thank you, Charles.

Find the answers to your questions


Is this insurance mandatory for self-employed workers?
Yes—the law requires self-employed workers to have workers' compensation insurance.
Does the insurance cover accidents that occur outside the usual workplace?
Yes—as long as they occur while performing work duties or during business travel.
What if I become temporarily unable to work?
Insurance can provide compensation during the period of disability.
Does this insurance replace other personal insurance policies?
No. It is coverage specifically for accidents that occur in the workplace.

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Transportation of two-wheeled vehicles?
Travel outside the European Union or within the European Union lasting more than 15 days?