Accidents
It's better to prevent
Collective agreement accident insurance for companies is an insurance policy designed to cover the risks of occupational accidents and other contingencies suffered by workers in a company, according to their sector's effective agreement.
Agreements are usually updated periodically, as well as their insurance conditions. As a result, we adapt the contract to any new modifications so that it is always up-to-date.
Taking out the Collective agreement accident insurance offers clear advantages to businesses. Some of which are:
Our Collective agreement accident insurance plan for companies is configured according to every working sector, its territorial area, the agreement to be applied and the number of insured parties
The innominate policy insures all the employees in the RNT contribution group (formerly TC2) of the Spanish Social Security Institute (TGSS).
We have an automatic system for updating agreements, that permits daily monitoring and updating of modifications published in the respective Official Gazettes. Thus, your Collective agreement accident insurance will always be up-to-date.
The most common coverage to insure is death and disability coverage to varying degrees, derived from the accident contingency. To a lesser extent, there are agreements in which its articles extend to situations in which the claim is due to occupational disease or a common illness.
In the event of death of an insured worker due to an accident, the Collective agreement accident insurance guarantees an indemnity for beneficiaries in accordance with your company's collective agreement, whether direct or resulting from the aftermath of one.
Guaranteed indemnity in case the insured person suffers total incapacity that prevents them form carrying out their usual work, even if they can work in different activities.
This coiver guarantees indemnity in the event of the party insured suffering incapacity which prevents him/her from rejoining the labour market and incapacitates him/her for carrying out any kind of activity.
This covers indemnity in the event of the party insured being affected by permanent incapacity and, due to anatomical oir functional losses, requiring the assistance of another person for essential acts in life such as getting dressed, moving about, eating and the like.
This type of insurance is compulsory if stated in the agreement covering the activity of the company. However, given its importance, it is deemed necessary to take it out.
No, it is not necessary. By updating the agreements periodically and, more specifically, the insured capital, we will take care of the policy's update supplement directly when it occurs.
There are agreements in which the capital that has been established is very small. The policyholder, if he/she deems it appropriate, has the possibility to increase or reverse this situation. The insurance contract will show, in a differentiated way, the capital that the agreement itself establishes and those that the policyholder has voluntarily extended.
We propose several insurance alternatives for your company, leaving you to choose the one that best suits your day-to-day reality.
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Take out the insurance most suited to your company's needs, with payment in instalments of your choice, if appropriate.
Tell us what you need and we will take care of everything, always keeping the product updated to suit your new business circumstances.
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