For people who are starting to take their first steps in the world of self-employment, one of the most important parts is to learn about all necessary documents carry out their labor activity completely legally. One of the responsibilities they have to face is contract of various insurance policies which cover possible losses that may arise, some of which are imposed by law, such as required steps to work.
First of all, it is important that an employee registering as an individual entrepreneur knows policies you must accept in order to be self-employed, the mandatory nature of which depends on the work they perform. The best example to illustrate this situation is liability Insurance, which covers civil damages that may arise in the course of the development of employment, that is, damage caused to third parties and requiring compensation. This policy is only required for lines of work, as it would lawyers, consultants, architects, electricians and gasmen.
Civil liability, multi-risk…
Liability insurance is also required for any business with a public institutionas well as multi-risk insurancewhich cover possible damage to the physical integrity of the worker or other losses that may result from situations such as fire, theft or damage to the goods.
Self-employed persons with workers in their charge must comply with conditions that will entail collective agreement As for policies whose coverage is compensation for accident, permanent disability and death of employees It depends on the sector and group who own the contractors.
In addition, the self-employed, whose work activity requires regular use of vehicleswhether it is moving, transporting goods or other tasks, are in obligation to conclude an insurance contract that covers themwhether or not they own them.
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