Today in Spain there are more than 3 million freelancers according to data published by the Ministry of Employment and Social Security last December.
This confirms a radical change in the labor market in Spain that entails a series of particularities that must be taken into account, and that is that being self-employed entails a series of risks that an employee will not experience.
The self-employed face the lack of protection against accidents, diseases and risks inherent in the exercise of their activity. The famous saying that being autonomous you don't get sick is real.
In this article we are going to talk about essential insurance for self-employed workers who Euroteide Seguros We recommend hiring to guarantee your peace of mind and that you only worry about carrying out your activity ...
Are professional self-employed insurance necessary?
They are not compulsory to hire them but they are highly recommended to be sure that we will be covered in case something happens. It is estimated that more and more percentages of freelancers hire them, not only because they offer greater protection in their day to day, but because can be deducted, which means that they come out cheaper than initially thought.
In order to get used to the idea, through self-employment insurance you will be able to insure your activity, remembering that a self-employed person has greater economic instability than a salaried employee. In the market we can find a wide variety of insurance to choose from, but at least We recommend that you take out work disability, life and accident insurance.
These are the insurances that every self-employed person should have contracted in order to carry out their daily activities in a safer way. And it is that as you well know, if you do not work, the income will not arrive and consequently you will not be able to make ends meet. Hence, we recommend these insurances to cover possible accidents and thus ensure an income in case you cannot carry out your work.
Self-employment disability insurance
It is an insurance that we recommend to all the self-employed to to guarantee an income in the event that they cannot work due to incapacity for work.
We recommend you purchase this Self-employment disability insurance. This Insurance is very complete and will allow you to carry out your activity with the certainty that in the event that something happens to you, the income will continue to come to you to overcome that period of inactivity.
With this Insurance you will be able to obtain the protection you need in case you get sick or have an accident that prevents you from carrying out your work normally. Thanks to this insurance you can enjoy greater economic protection, which It is quite similar to the protection that employees have.
The Insurance is accompanied by main coverages and can be completed with additional coverages in case you are interested. The main coverage is for illness, birth and travel assistance. But this insurance can do a lot more complete thanks to coverage such as accident benefit, hospitalization due to illness and or accident.
The advantage is that the Insurance can be customized to the needs of each worker, that is, you will only pay for the protection you need according to your profession. All this means that you will only pay for what you need and not for things that you know in advance that you will never use.
Self-employed life insurance
If you have children and you are concerned about their well-being and their future, one of the insurances that should not be missing is Life insurance for the self-employed. The objective of this insurance is have the peace of mind that in case you're not, your family will have financial support with which to continue living. It is the best option to guarantee the tranquility of the family before any unforeseen event.
By hiring this Life Insurance Policy for the Self-Employed You can enjoy the following coverage:
- Death coverage
- Permanent disability due to accident
- Capital advance in case of serious illness
- Online will
- Deletion of the digital footprint
- Second medical opinion.
These coverages are really very important and all the freelancers appreciate having them.
The Insurance has the renewable modality through which insurance is contracted for years and thus contract the capital that you want the insurance to have for compensation. Capital can be fixed, variable or increasing depending on the CPI.
The amount is up to you, so the insurance is characterized by being fully personalized. If that option does not interest you, you can choose the temporary term. This insurance can be contracted for a minimum of two years and the maximum until the insured turns 70.
Freelance accident insurance
It is another essential insurance for self-employed people. You can easily hire here and it has a large number of coverages that will allow us to be more secure.
One of the most valued is the main coverage of death by accident. This coverage will compensate descendants as a consequence of the direct death of the insured or of consequences during the first year. It also allows you to request a forward if necessary after the accident occurs.
This Insurance includes other main coverages such as coverage for permanent disability due to an accident and other additional supplements and extensions that can be customized according to the needs of each freelancer.
Despite that those insurances are not compulsoryFrom a point of view of responsibility, they should be for any professional. You cannot work with fear of having an accident and not being able to obtain income that will allow us to make ends meet.
Whether you have a family or not yet, it is important to have good policies that guarantee the future in case you have any work problem. In the market there are more Insurance to choose from, but You should at least hire those three.
Have you been interested in all or some of these Insurances? You can receive personalized advice completely free of charge and without obligation, Here you will find how you can contact us.