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Accidentes
Colectivos de Convenio
The
compulsory industrial injury insurance (insurance against the
consequences of industrial injuries) ensures all employees or
their surviving relatives compensation
in case of accident or illness caused by the job or by the
work environment. The industrial injury insurance only
covers injuries which are of
a permanent character.
Obligation
to insure:
As
stated we are talking about a compulsory insurance. Therefore
it is one of the things that are often checked by the
authorities. In contrary to other countries
the
compensation varies depending on which trade you are working
within.
Let
us have a look at some examples within the different trades:
|
Trade: |
Premium: |
Comp.
by death: |
Comp.
by inv.: |
|
Construccion
/ Construction |
74,52 |
39.000,00 |
39.000,00 |
|
Garajes
/ Washing, oiling |
11,60 |
6.612,00 |
6.612,00 |
|
Hosteleria
/ Hotel business |
8,72 |
6.011,00 |
9.016,00 |
|
Limpieza
/ Cleaning |
6,48 |
6.011,00 |
9.016,00
|
|
Talleres
/ Mechanic |
26,17 |
30.051,00 |
30.051,00 |
|
Transportes
/ Chauffeurs |
40,38 |
21.000,00 |
21.000,00 |
|
Transportes
/ Chauffeurs |
28,74 |
33.000,00 |
33.000,00 |
All
amount are in Euros !
Above
examples are from the Law of September 2004.
Please
note that there is a minimum premium of 45,08 € per policy,
no matter which trade. A discount is offered to companies with
more than 50 employees.
Private
persons employing domestic help, cleaning help or gardener
also have an obligation to insure, but it would be
advantageous to do over the household insurance.
We
deal you “the best hand”…
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- for your peace of
mind!