Storms Expose Lack of Protection in Portugal The recent storms that hit our country left a significant trail of destruction and made visible a worrying reality: there are still a large number of homes and businesses without the adequate protection of multi-risk insurance. In just over a month, around 180 [...]
Will your multi-risk insurance help you... or leave you uncovered? Extreme natural phenomena are no longer the exception but part of everyday life. Successive storms, periods of intense rain concentrated over a few days, strong winds, prolonged heatwaves and severe droughts are now an unavoidable reality. This new context forces [...]
Start the Year with Cyber Risk Insurance Digitalisation has accelerated the way we work, communicate and provide services, but it has also brought with it a growing wave of threats affecting companies of all sizes. In recent years, Portugal has seen a significant increase in cyber attacks, many of which have an operational and financial impact [...]
Insurance as a way of saving and investing Saving and investing are themes that are increasingly part of the lives of families and companies. With economic uncertainty, pressure on pensions and the need to plan for the future, it is becoming essential to look at solutions that combine security, flexibility and income. É [...]
The Importance of Taking Advantage of the Tax Benefits of Business Insurance At a time when competitiveness and tax efficiency are critical factors for the success of companies, business insurance is taking on an increasingly strategic role. More than just protection instruments, Group Life Insurance, Health Insurance and Business Insurance [...]
Price should not be the main variable when choosing insurance for a company When running a company, it is natural for decision-makers to seek to optimise costs and ensure a balanced financial structure. However, when it comes to insurance, limiting the analysis to price can be a strategic mistake with a direct impact on [...]
The Problem of “Uniform” Products in Insurance Companies In recent years, we have seen a growing trend in the insurance sector: the excessive standardisation of products. Statistical analyses of claims, pricing models, the definition of deductibles and the structure of coverages increasingly result in virtually identical solutions between insurers. This phenomenon, which we can [...]
Cybersecurity, Climate and Liability - 3 Risks Companies Can't Ignore With the second half of the year underway, July is a strategic time for companies to assess their degree of exposure to risk and how they are protected. Between increasingly frequent heatwaves, rising cyber-attacks and [...]
Civil Liability Insurance for Local Accommodation: Mandatory Submission Until 10th July Civil Liability Insurance (CR) is mandatory by law for all owners of Local Accommodation (LA) in Portugal. This requirement aims to guarantee the safety of guests, the liability of operators and the credibility of the tourism sector. Submitting the [...]
Tips for a Safe Holiday: Review Your Policies with Grumese Insurance Holidays are the perfect time to relax, explore new destinations and enjoy quality time with the family. But before you leave, there's an essential step that is often forgotten: checking that your insurance policies are up-to-date and appropriate for the [...]
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