Solução integrada de seguros para trabalhadores independentes

Abstract

Self-employed workers represented in 2011 about 17% of the Portuguese employed population and of those only 20% had a mandatory policy of work compensation insurance, which shows that this class is not sensitized to the importance of work compensation insurance, endangering his professional activity, since, in the event of an accident at work, beyond the payment of benefits in case of disability, this insurance policy guarantees the recovery of the insured person for the job. In this work, were identified the occupations with the highest number of self-employed and their different profiles. In addition, it was considered the solution of current work accident insurance from the company MAPFRE to this profession and, on the basis of statistical analysis have been identified the risk factors of accident at work of these employees. The results of this analysis showed the call for to extend the list of occupations available in the product of work compensation insurance of MAPFRE independent worker, as well as adjust some fees and adjusting the premium to the risk of each manual occupation. Because it is a working class with high importance in the national economy and with high potential for business and for the insurance market it is primordial to obtain an integrated solution for different insurance branches, appropriate to each self-employed profile.

Date of Award	16 Mar 2015
Original language	Portuguese
Awarding Institution	Universidade Católica Portuguesa
Supervisor	Carla Martins (Supervisor)