Civil Liability Insurance for Local Accommodation:
Mandatory delivery by 10th July
Civil Liability Insurance (CR) is compulsory by law for all owners of Local Accommodation (LA) in Portugal. This requirement aims to guarantee the safety of guests, the accountability of operators and the credibility of the tourism sector. Submitting proof of insurance is a prerequisite for maintaining a valid registration in the National Register of Local Accommodation (RNAL).
Legal Obligation and Insurance Submission
According to current legislation, all Local Accommodation registration holders must have valid civil liability insurance covering material and bodily damage caused to third parties during the operation of the property.
Proof of the insurance policy must be submitted annually via the official Gov.pt platform:
Send proof of Local Accommodation insurance
Failure to submit or the absence of valid insurance may result in the suspension or cancellation of the local accommodation's registration by the competent authorities.
What Does Liability Insurance Cover?
RC insurance for LA is designed to protect third parties (namely guests and neighbours) by ensuring that compensation is paid in the event of:
- Bodily injury, such as falls, cuts or other accidents;
- Material damage, such as damage to guests' or third parties' property.
However, are not covered:
- Damage to the property itself (AL);
- Damage suffered by the owner, family members or employees;
- Theft or robbery of property inside AL.
👉 Important note: This insurance does not replace multi-risk insurance, which covers, for example, fires, floods or structural damage to the property.
Minimum Capital Cover
The law stipulates a minimum compulsory capital of 75,000 euros per claim. It is essential that the policy complies with legal requirements, guaranteeing sufficient protection for any liabilities arising from the accommodation activity.
How to Submit Proof to Gov.pt
To ensure that your Local Accommodation registration remains active, follow these steps:
Go to gov.pt;
Authenticate yourself with the Digital Mobile Key or the Citizen Card;
Enter the AL registration number and the insurance details (name of insurer, policy number, expiry dates);
Attach proof of insurance in digital format (PDF, JPG, etc.);
Check your details and submit the form;
You will receive proof of submission by e-mail.
📅 Deadline: 10 July
All LA owners must provide proof of insurance by 10 July. Failure to comply with this deadline may result in the automatic cancellation of registration with the RNAL.
Having valid civil liability insurance is not only a legal requirement, but also a way of protecting your assets and ensuring that you act responsibly and professionally. Submitting proof reinforces the transparency of the sector, inspires confidence in tourists and adds value to the local accommodation offer in Portugal.
We are ready to help you protect your investment, your guests and your business.
Talk to us - 214 131 310
jose.monteiro@grumese.pt
Grumese, always with your confidence
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