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Corporate

We are partners of corporate clients in the management of risks that can arise from their activity, closely monitoring their needs in Portugal and abroad.

Corporate

We are partners of corporate clients in the management of risks that can arise from their activity, closely monitoring their needs in Portugal and abroad.

Corporate

We are partners of corporate clients in the management of risks that can arise from their activity, closely monitoring their needs in Portugal and abroad.

Corporate

We are partners of corporate clients in the management of risks that can arise from their activity, closely monitoring their needs in Portugal and abroad.

We design, implement and manage insurance programs for companies in the financial, industrial, tourism, entertainment, fleets, engineering and renewable energy sectors, seeking to protect their human resources, properties and liabilities.

We are specialists in insurance programs management for corporate clients.

We guarantee to our clients a centralized and very close follow-up. This can even require having an implant at the client's premises.

We provide advice on risk management, analysis, negotiation, implementation and management of insurance programs, seeking to maximize coverage and minimize insurance restrictions and limitations, guaranteeing the competitiveness of premiums charged.

Solutions

We help your company to assess the real protection needs for human resources and property, and to choose the most appropriate insurance coverage.

Liabilities

Minimize your company's operational risks, we help you find the best solution:

Human Resources

Protect your employees with an adjusted benefits plan. We help your company to find the solutions that best suit:

Credit Insurance

Avoid commercial risks of non-payment, preventing losses and protecting income:

Minimize your company's operational risks, we help you find the best solution:

Protect your employees with an adjusted benefits plan. We help your company to find the solutions that best suit:

Avoid commercial risks of non-payment, preventing losses and protecting income:

Areas of expertise

  • Credit Insurance

    In an increasingly globalized and competitive market, the management of credit risk gains increasing importance and has become one of the key pillars for the development of a company. In partnership with our clients, Costa Duarte has been particularly active in the Export Credit Protection. All companies are different, as well as their protection needs, so we believe that buying credit insurance should be done with specialist support.

    As a specialist in the management of Credit Insurance, we provide a specialized support in the analysis, selection, recommendation and implementation of solutions that allow mitigating the risk of non-receipt of credit sales of goods and services, made in Portugal and abroad. Credit Insurance provides the following services to companies:

    • access to a professional and specialized service for the collection and recovery of debts by accredited entities;

    • systematic analysis of the credit portfolio of clients;

    • contribute to the improvement of trade policy, allowing the focus on customers with higher credit capacity;

    • reduction of risk exposure on customers who have less ability to assume the credit.

    If you would like more information please use our e-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

    Costa Duarte has been particularly focused in supporting the internationalization process of Portuguese companies, either through its own offices in Angola or as a member of ICBA, an international network of brokers specializing in Credit Insurance.

    This international network allows us to locally support Portuguese companies on the five continents, as well as to provide solutions to our clients to which the Portuguese market has difficult access. 

  • Employee Benefits

    We work with companies' HR management to design, implement and support the development of social benefit plans for their employees, seeking to achieve balance in the cost/benefit ratio. Bearing in mind the tax framework applicable to each case, we also seek to optimise fiscal benefits to the company and to its employees.

    Businesses display a high level of social responsibility by providing employees and their families with the following:

    • Health Insurance, giving them access to the private health system;

    • Group Life Insurance, guaranteeing economic survival or protection for the future in the event of tragic circumstances such as death or disability.

    These employee benefits also include products which provide financing of supplementary pension plans:

    • Capital Redemption Policies

    • Pension Funds

    By granting this kind of benefits, the company implements an additional mechanism to ensure satisfaction and motivation of its employees at a low payroll cost. This approach of investment in social protection by corporate bodies with regard to the people which comprise them is becoming increasingly important.

     

    Logo Workganics site

     

    In this context, Costa Duarte established a partnership with Workganics, a consulting company in the area of People and Risks. It is dedicated to providing services in partnership with its customers, with flexibility and motivated by the results of its intervention.

    • Planning, design and implementation of fixed, variable and flexible remuneration programmes
    • Partner Compensation programmes
    • Actuarial and technical support for Pension Fund Sponsors, Members and Pensioners
    • Retirement planning (scenario testing of private and Social Security pensions)
    • Succession planning for family-owned companies
    • HR & Governance Restructuring
    • Support to companies under recovery plans
    • M&A Support
    • Interim Management

     

    FLEXIBLE BENEFITS

    Flexible Benefits Plans are growingly popular in the Portuguese market, so COSTA DUARTE established a partnership with FLEXBEN to enable us to offer a suitable solution to our clients.

    logo MDS FlexBen T cores 300

    FLEXBEN is a system that allows companies to define, implement and manage in an integrated and efficient way their Flexible Benefits plan, optimizing processes and allowing for a bigger fiscal efficiency both for the company and for the employees.

    If you would like more information please use our e-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

  • Engineering risks

    A service which satisfies your requirements!

    For almost two decades we have been studying and offering specific insurance solutions for the construction industry, taking into account contractual obligations and exposure to risk, both in public works (airports, metro lines, roads and motorways) and civil construction (football stadiums, buildings, renewable energy).

    We propose insurances or solutions involving specific covers for the construction industry - in public works or buildings - which comply with contractual obligations and which take the exposure to risk of the parties involved into consideration.

    Our commitment includes:

    • Evaluating the insurability of the contractual obligations

    • Whenever necessary, we approach the main markets specializing in this type of insurance

    • Getting the best contract wording

    • Controlling and checking the best issue of Policies and Endorsements and Premium Receipts

    • Promoting training initiatives to clarify the scope and limits of cover taken out

    • Providing permanent assistance in the event of an accident, whether in monitoring inspections or in the preparation of documentation for the loss adjustors, aiming at a quick and fair settlement of the losses

    • Analysing the sufficiency of the policies taken out by other parties involved

    Find out more about our Construction Insurance and Professional Liability Insurance products

  • Cyber Risk Management

    New opportunities bring new risks and threats. The globalization of information and the interconnection of systems potentiate new forms of cybercrime, which are renewed at a constant and daily pace.

    A complex regulatory framework that forces companies to adjust their tools, processes and behaviours, always bearing in mind a risk-based approach.

    It is therefore important to translate technical and legal knowledge into a tangible language, reducing the opacity that surrounds cybersecurity risks.
    For this area of vital importance for companies, Costa Duarte established a partnership with the company Futura, specialized in this
    support type:

    logo futura 4

    FUTURA simplifies the navigation of companies in the digital economy, supporting management in the definition of strategies to
    identify, integrate, manage and mitigate cyber-risk, in a change management context.

  • Motor Fleet Management

    Motor fleet insurance and claims management which includes:

    • Preparation of an insurance program

    • Benchmarking

    • Issue, control and sending of Green Cards

    • Help desk

    • Advice for drivers who have had an accident and for fleets managers

    • Booking surveys for damaged vehicles

    • Claim for damages and thirds party liability

    • Control of the repair period

    • Checking indemnities and deductibles

    • Preparation of loss history statistics and reports

     

  • Affinities

    We develop Private Lines opportunities through cross-selling solutions and strategic partnerships with corporate organizations.

    We identify the best insurance market solutions for individuals that we offer employees under preferential conditions.
    We have a team exclusively dedicated to our Private clients.
    We privilege the service and a personalized monitoring. Through a unique digital platform that centralizes all information employees have access to the management of all his insurance contracts online.

  • Institutions / Public Procurement

    Over the years Costa Duarte have acquired experience and expertise in the area of Public Procurement by providing advice and consultancy services to several municipalities on Public Tenders as well as in the subsequent Insurance Portfolio Management.

    Costa Duarte acts as the Client’s partner contributing to an optimal risk management of the organization, its people, assets and duties by taking up that responsibility and liberating the time and resources of the organization to focus on their core business.

    Our focus is on:

    Detecting and studying the main risk exposures;

    Auditing the existing insurance portfolio and Benchmarking with the best market practices;

    Designing alternative insurance solutions;

    Advising in the preparation of Public Tenders and the review of the proposals;

    Implementing the Insurance Program and its compliance process

    • Ensuring the correct issuance of the Insurance Policies and endorsements;

    • Managing the Premium billing process;

    • Assisting in the notification, negotiation and settlement of claims

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