Collective agreements

Collective agreement insurance is a type of insurance taken out through a company or association to protect its workers. These policies are designed specifically for each collective agreement, which means the cover and conditions may vary depending on the sector the company or association belongs to.

 Why is it important to take out collective agreement insurance?

The answer is simple: protection. Workers are exposed to various risks in the course of their work, from workplace accidents to occupational diseases, including loss of income in the event of temporary or permanent incapacity. Collective agreement insurance can cover all these risks and more, such as liability, theft and loss of work tools, among others.

But it is not only workers who benefit from this insurance; so do the companies and associations that take it out. By taking out collective agreement insurance, you comply with current social protection and labour legislation, which can avoid penalties and fines for non-compliance. Such insurance can also improve the image of the company or association among its workers and society in general, as it shows its commitment to the safety and well-being of its employees.

But how does collective agreement insurance work? First of all, it is important to note that these are group insurance policies, meaning they cover all workers included in the collective agreement without each one having to take out their own policy. The premium is calculated based on various factors, such as the type of work, the number of workers, the claims history and the cover taken out. In general, collective agreement premiums tend to be cheaper than those of other individual insurance, as they are negotiated with insurers based on the volume of workers covered.

Another important aspect of collective agreement insurance is that it often includes additional services, such as legal advice, medical and psychological care, and occupational risk prevention programmes. These services can be a great help to workers and companies, as they allow them to prevent and manage occupational risks more efficiently.

In short, collective agreement insurance is a fundamental tool for protecting workers and companies from occupational risks. Taking it out can also improve the image of the company or association among workers and society in general. If you are interested in taking out collective agreement insurance, do not hesitate to contact our brokerage, where we will be happy to advise you and offer you the best options on the market.