Workplace Accidents
Compare the best workplace accidents options for freelancers and SMEs.
How to compare accident insurance
Comparison guide · 07/10/2026It distinguishes an individual policy, a collective and the obligations of agreement. It compares the causes of the accident admitted and the death, disability and other guarantees included in the offer.
Para quién: Self-employed and companies seeking private protection from accidents for themselves or for a collective.
Conceptos, requisitos, costes y fuentes
Qué revisar antes de contratar
- Declares profession, tasks and people of the collective.
- Confirm whether the coverage is work, extralaboral or both.
- Check the applicable convention and the guarantees it requires, where appropriate.
Costes que debes comparar
- Premium according to activity, age, number of insured persons and contracted capital.
- Secured capital, accident limits and possible franchises.
- Assistance or disability benefits should be expressly included.
- Premium
- Insurance price; compare the total annual amount, recharges and fractionation.
- France
- Part of the cost or period of the insured person under the contract.
- Exclusions
- Situations or risks that the contract leaves out of cover.
- IPID and policy
- The product information document summarizes the insurance; the conditions and the policy specify its scope.
- Accident capital
- Amount contracted for a specific benefit, subject to its conditions.
- Invalidity rate
- Table determining the percentage of compensation for certain injuries.
- Agreement insurance
- A policy set up for the benefits required by an applicable agreement.
Ten en cuenta
- Accident insurance does not automatically cover sickness or any work loss.
- The private policy does not replace social security obligations.
Quick answer
Motor, public liability, accident, sick leave and home. On Simplifico you can compare 11 products from 10 brands in Workplace Accidents, such as Mapfre, Reale Seguros and Santalucía. 9 listings include the Simplifico Opinion: who it suits and its limitations. Each listing summarises features and pricing and links to the provider's website, which sets the final terms.
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