A legal duty that promotes professional safety and dignity Since 2023, it has been compulsory for employers to take out occupational accident insurance. This measure aims to ensure that, in the event of an accident during the performance of their duties, domestic workers are properly protected, just like any other professional. What does the insurance cover? Occupational accident insurance for domestic workers covers, among other things:

• Medical and hospital expenses resulting from accidents on duty;
• Compensation for temporary or permanent loss of income;
• Support in the event of permanent incapacity or death, with compensation for legal beneficiaries.

This insurance applies to all domestic workers, regardless of the number of hours per week or the type of contract (full-time or part-time). Benefits for the employer As well as complying with current legislation, taking out this insurance has clear advantages for employers:

• Avoid fines and legal sanctions;
• Guarantees immediate support in the event of accidents, without direct financial charges;
• It contributes to a more stable, dignified and secure professional relationship.

How to hire? The process is simple and can be done with any certified insurance company. It is necessary to provide:

• Identification of employer and employee;
• Number of working hours per week;
• Amount of monthly remuneration.

The insurance premium varies depending on the above factors, but tends to be relatively affordable, taking into account the mitigated risks. A shared responsibility Taking out insurance is, above all, an act of respect and appreciation for the domestic profession. This sector is fundamental to the smooth running of thousands of Portuguese homes. At Exato Seguros, we help you fulfil this legal obligation in a simple, fast and personalised way. We clarify all your doubts, guarantee the cover required by law and find the best solution for your specific case.