THE ESSENTIALS
Before you start
- Describe what you do, rather than only saying you work from home.
- Include tasks outside the home in the discussion.
- Ask for an explanation of the terms without assuming every accident is covered.
The address alone does not answer the question
The standard policy recognises the home as a workplace when work is carried out there. This does not make every domestic accident an occupational accident.
Rather than trying to determine cover from the address, start by preparing a description of your work. The purpose of the discussion is to clarify your actual circumstances.
An example: Rui's working week
Rui says that he works at a computer. Reviewing his week with Inês, he remembers that he also prepares materials and visits clients. His first description was true, but incomplete.
This is a fictional example. It illustrates a way to prepare the discussion: examine a typical working week and separate its tasks, without dramatising accidents or predicting a claim outcome.
Make a simple map of your routine
Divide a page into three parts: work at home, work at clients' premises and journeys. Write down the tasks you actually perform in each setting.
If a task is occasional, say so. If you are about to start a new activity, distinguish what you already do from what is only planned. This organisation helps you ask the intermediary concrete questions.
What if a policy already exists?
Locate the policy and activity description. The standard policy links protection to the professional activity identified in the contract; it is worth clarifying whether the description matches the routine you explained.
Do not change documents yourself to make them fit an idea. Explain the difference and ask what needs to be considered or arranged. Keep the reply with the version of the request it addresses.
Four useful questions for the discussion
'Is the description I supplied clear?' 'Does the request consider the tasks I perform at clients' premises?' 'Where can I find the relevant terms?' 'What should I communicate if my routine changes?'
These questions help you request an explanation. They do not replace reading the contract or confirm cover for a particular accident. If an answer is unclear, ask for a more concrete explanation referring to the documents.
Prepare the request without exposing your home
Do not post your address, photographs of documents or personal details in comments. Prepare information for the appropriate channel and share only what is needed for the request.
Visit the Occupational Accidents guide on rmachado.group. When requesting a quotation through the website, explain your current routine and identify your questions. A proposal does not confirm that protection is already in force.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- List the tasks performed at home.
- Separate visits, work at clients' premises and journeys.
- Distinguish your current routine from future plans.
- Locate an existing policy, where applicable.
- Note questions and differences to clarify.
- Keep the reply and confirm the effective start before relying on protection.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
Sources and transparency
Sources consulted on 18 October 2026. Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.