Self-employed
Working for yourself means answering with a single estate for everything you sign, deliver and stop invoicing. A generic policy contemplates a generic activity; yours has a specific client, a specific contract and fixed costs that do not stop when the work does. We know how the market underwrites the self-employed and we design with you a programme at the exact scale of your activity.
Lo que nos preguntan en self-employed
What limit of public liability do I need as a self-employed person?
The one that withstands the claim your activity may generate, which rarely correlates with turnover. It is estimated based on the type of possible damage —personal, material, or economic— and valuing personal damage with the scale of Law 35/2015, which courts use as a reference outside of traffic accidents. With that figure, limits per claim and per annum are chosen.
Does the subsidy cover the self-employed quota during a sick leave?
The subsidy pays a daily agreed compensation, and you decide its destination: the RETA quota, the rent of the premises, and utilities continue to be due with the activity stopped. It is received in addition to the public benefit, without one deducting from the other, and begins to accrue once the chosen days' deductible is fulfilled.
I have expanded the services I provide, does the same policy serve me?
Only if the activity described in the policy still encompasses what you do now. Articles 11 to 13 of the Insurance Contract Law require the communication of risk aggravation, and an undeclared expansion allows for the reduction of compensation in proportion to the premium paid and what would have been charged. Communicating it in time keeps the cover aligned with the actual activity.
