The work leave insurance is addressed to SMB (small and medium businesses) that are worried about long term work leave of their staff.

This type of insurance establishes a daily compensation to the business owner in case of an employee’s work leave or sick leave. With this insurance, the business owner will be able to cover the majority (or even the total amount) of the expenses caused by the employee work leave.

Al illustrative example: the expenses caused to the business owner by an employee work leave are:

The self-employed have to face several risks, considering that their needs are bigger than a simple worker in terms of covering accidents and work leave that the “Seguridad Social” (National Insurance) offers.

For these reasons, the best option to avoid seeing your expenses affected by a sick leave is to get this complementary insurance to the “Seguridad Social” (National Insurance). This insurance will allow you  maintain some income until you are ready to go back to work.

This insurance allows you (in case of a sick leave or accident) to get paid up to a 100% of the contribution base, supplementing the public coverage of temporary incapacity. Quick and easily.

Furthermore, it is a deductible expense in your wages.