RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
Find your topic. Understand the conditions. Make a clearer decision.
73 articles
The office at 6 pm
An expense may help keep a business trading while remaining subject to an economic limit. See how one wording links the extra cost to the reduction in sales avoided.
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A loss-of-profit clause can count sales made away from the premises. Separate retained revenue, loss and protection at the alternative location.
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Can higher pay reduce a permanent-incapacity pension? Understand the rule and its pension-review exception under Portuguese Law 98/2009.
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Distinguishing an instruction sent to the bank from a payment made by the deceived person helps locate the relevant policy definition.
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Apprentices and trainees have a specific reference-pay rule. Understand Article 71(7) and separate an allowance, calculation base and compensation.
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In sea carriage, undamaged cargo can contribute to general average. Separate the contribution, requested security and insurance response before replying.
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A repair design and a report supporting a claim serve different purposes. Separate the services and check the benefit actually purchased.
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A previous condition alone does not determine compensation. Distinguish predisposition, aggravation and existing disability without calculating an individual claim.
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Portuguese law prohibits passing these costs into salary deductions. Distinguish the insurer’s identification from a deduction and learn how to clarify an ambiguous payslip item.
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Direct rights against the insurer follow different rules for compulsory and voluntary liability insurance. A certificate alone settles neither the distinction nor entitlement to payment.
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Policy termination and the indemnity period are different questions. Read the legal rule and a business-interruption example without assuming twelve guaranteed months.
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Rehabilitation, compatible duties and insurance are separate parts of the process. Understand employer duties and assessment without assuming funding.
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Law 98/2009 provides equal treatment and protection for relatives. Understand the scope, the specific temporary foreign-employer situation and insurance checks.
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Supplier-owned stock needs a separate line in business multi-risk insurance. Read a contractual example and prepare ownership, values, limits and other policies.
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Portugal’s work-accident regime distinguishes existing technical aids from an ordinary optical purchase. Prepare a request to assess repair or replacement of damaged glasses.
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Portuguese law allows review linked to changes in working or earning capacity. Understand its scope and frequency without assuming an automatic increase.
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Portuguese law provides for prior payment responsibility or an advance. Separate organising suitable transport from choosing expenditure independently.
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A hired-equipment exclusion may depend on the owner’s responsibility. Read the whole sentence alongside the hire agreement.
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Today's discovery does not establish when a leak began. Organise maintenance records, earlier signs and communications without inventing a timeline.
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A cover label can conceal a decisive condition: why the goods moved. Separate planned works, storage following an insured loss and the journey itself.
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Portugal’s Public Contracts Code provides several forms of security. That does not dispense with reviewing the guarantee or authorise replacing one already provided.
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Location, task and duration help describe the risk. Prepare the information before moving the team.
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A new business activity can change the insured risk. Understand when the Portuguese 14-day notification rule applies and prepare a business property insurance review.
Read articleThe office at 6 pm
Portuguese work accident law sets a rule and exceptions for choosing the treating doctor. Distinguish urgent care, follow-up and a disputed discharge.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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