Carrying out a professional performance as a self-employed entrepreneur offers many advantages: not having superiors, organizing your time freely, developing your business idea in a personalized way... However, This work model also implies a series of responsibilities with respect to partners, suppliers, clients and the Treasury. To avoid any problems with them, it is important to have self-employed Insurance that protects the professional in multiple scenarios that can occur in their day to day.
If you would like to hire the best civil liability insurance for self-employed and you don't know which one is the most suitable, contact us. At Euroteide Seguros, we have added almost 3 decades helping clients find their best option and we are prepared to answer all your questions.
Although it may be thought that Insurance is only needed by the self-employed who manage large work projects, work abroad or move a high volume of material, the truth is that this is a wrong idea. Any freelancer will have a much more protected and safe professional performance if you have the right policies for day to day.
Currently, there are Autonomous insurance of many types: from those that cover professional activity to those that are related to mobility, health, etc.
Essential insurance that a self-employed person must have
At Euroteide Seguros, we recommend up to seven different insurances for self-employed workers to our self-employed clients, both national and foreign. It is not essential to hire them all, since that will depend on the profile of each worker, but it is worth taking into account all the options available:
- Hospitality insurance
- Insurance for businesses
- Self-employed accident insurance
- Temporary work disability insurance
- Life Insurance Policy for the Self-Employed
- Car insurance for self-employed
- cyber risk insurance
El Hospitality Insurance Policy will cover practically any incident related to your bar or restaurant: fires, water damage, theft, broken windows, electrical damage or even expenses derived from claims and those related to any accident to third parties, whether customers or employees.
This type of insurance for the self-employed is important for those who run small or large businesses related to gastronomy and nightlife. Whether they are bars, cafes, breweries or restaurants, since they are spaces where many people enter every day, a high volume of physical money is moved and any of the scenarios reflected in the previous paragraph can be generated.
Very similar to the previous one is the business insurance. With this type of insurance for the self-employed, you will not let any unforeseen surprise surprise you and you will get immediate economic and technical help against fire, damage by water or electrical origin, breakage, wind, hail or snow...
Again, civil liability for damages to third parties is one of the most important points, since spaces open to the public are the most prone to the existence of accidents, falls, etc. for which the self-employed person does not have to be responsible if they have this type of protection.
Accident Insurance Policy for the Self-Employed
Any disabling accident can be a serious problem for a liberal professional, since By not working, the self-employed usually lose, in a high percentage, the ability to earn income.
For this reason, this type of insurance has clauses that establish a compensation for death or permanent disability, two realities that can optionally be extended to temporary disability, medical assistance and even hospitalization subsidy. These contracts can be customized as desired by the client and we advise you to generate an ideal policy for your circumstances.
Insurance for temporary work disability
An economic benefit sufficient for day to day, if you suffer an accident that prevents you from working. That is the goal of Temporary work disability insurance, one of what we at Euroteide Seguros advise our clients on a regular basis.
This contract protects the self-employed in case of illness, as well as in case of birth or in circumstances in which medical assistance is required while traveling abroad.
Life Insurance Policy for the Self-Employed
Un Life insurance for a self-employed person It's almost an obligation. It is the best way to protect the patrimony and the family in case of any unforeseen event.
The main coverage of this type of policy is in the event of death by accident of the worker, but all the mutuals with which we work in our consultancy include improvements such as the capital advance in case of serious illnesses, the right to a second medical opinion or even the preparation of the will online and digital deletion after death.
Car insurance for self-employed
The vehicle is one of the most important tools of most self-employed workers. Aware of this, currently, They offer policies specially designed for the self-employed, with the possibility of configuring the coverage to suit each case, to increase the peace of mind of the owner.
At Euroteide Seguros, we recommend to clients in the south of Tenerife the option of a Car insurance for self-employed fully comprehensive, which offers total protection and assures the island's professionals that they will always enjoy their car like the first day.
cyber risk insurance
In a context in which most of the communications and commercial agreements are closed through the Internet, the cyber risk insurance It is something very interesting for the self-employed.
What does this policy protect us from? You can carry out an analysis of your company's vulnerabilities on the network, protection against third-party claims, management of security accidents and, finally, digital surveillance.
This supposes total relief when it comes to preserving confidential information, to assume responsibilities in the event of theft or loss of data and a series of complementary guarantees related to commercial activity in the digital world.
These are the main contracts that, from Euroteide Seguros, we recommend to the self-employed and businessmen who seek professional advice in our company. Contact us to solve all your doubts. Our team of specialized advisors will be at your disposal to carry out a complete study of your case and guide you about the essential and optional policies that you should take into account to make a high-coverage autonomous insurance to increase your security on a day-to-day basis.