HR & Labour · 2026
Work Accident Insurance
Indicative annual premium for mandatory insurance by sector.
Company data
Annual premium
Annual payroll154 000,00 €
Sector rate0.80%
Annual premium1232,00 €
Avg monthly premium102,67 €
Cost per employee/year
123,20 €
Mandatory (PT Law 98/2009). No insurance = full liability and fines up to €61,200 per employee.
Indicative 2026 rates varying by insurer, claims history and CAE. Quote from major PT insurers. Base includes salary, bonuses and excess meal allowance; excludes per diems.
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