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Mandatory Insurance for Companies in Portugal 2026

Hive Group

Complete list of mandatory and recommended insurance for Portuguese companies. Liability, work accidents and multi-risk.

Legally Mandatory Insurance

All companies in Portugal with employees are required to have: work accident insurance and liability insurance (depending on activity).

Recommended Insurance

In addition to mandatory, we recommend: multi-risk for facilities, professional liability and fleet insurance (if applicable).

How to Save on Insurance

Annual comparison of insurers and negotiation of integrated packages can result in savings of 20-30%.

Perguntas Frequentes

Is work accident insurance mandatory?

Yes, for all companies with employees.

How much does business liability cost?

Varies by activity and insured capital. Average: €300-1500/year.

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