PROTECTION FOR THOSE WHO ARE GROWING UP. PEACE OF MIND FOR THOSE WHO CARE FOR THEM


PEACE OF MIND TO LIVE LIFE WITH GREATER SECURITY


Family liability insurance allows you to handle everyday accidents with greater peace of mind and responsibility. Liability insurance for minors helps provide financial protection for parents or legal guardians when children or teenagers unintentionally cause harm to third parties.

For those who don't want to wait


Financial Protection for the Family

It prevents large compensation payments from affecting the family budget.

Coverage for multiple household members

Solutions that can be used by both adults and children.

Applicable to everyday situations

At home, away from home, or during leisure activities.

Liability for Unintentional Damages

Support in situations that occur unintentionally.

Greater peace of mind in everyday life

It reduces concerns related to unexpected accidents.

Supplementary coverage to other insurance policies

Enhances family safety.

What is covered?


Personal injury to third parties

Compensation for injuries unintentionally caused to others.

Property damage to third parties

Accidental damage to the property of others.

Acts of Private Life

Situations that occurred in a personal and family context, outside of one's professional life.

Responsibility of Parents or Guardians

Damage caused by minor children or dependents.

Damage caused by pets

When included, it covers liability related to pets.

Legal Defense Costs and Claims

Assistance with expenses related to compensation claims.

Additional options

The possibility of extending coverage to additional situations specified in the contract.

Applicable Terms and Conditions

The actual coverage depends on the terms of the policy and may vary depending on the plan selected.

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Health insurance is tailored to your needs and lifestyle, giving you access to medical care whenever and however you need it.

How can we help?

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Dedicated Account Manager

We provide a dedicated consultant to assist you and answer your questions whenever you need it
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Evaluation

We analyze the best solution for you from among the offers available from our partner insurance companies
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Simulation

We have sent you a detailed simulation showing the most advantageous and suitable options
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Subscription

We guide you through the entire process, from start to finish, with your insurance

THE STARS SPEAK FOR THEMSELVES.
AND OUR CUSTOMERS SPEAK FOR US.

Victor Sambo

very good

Ernesto Dias

An extremely competent professional. I switched my home insurance without having to worry about the red tape involved. I’m satisfied not only because I was able to significantly lower my insurance premium, but also because of the professionalism, care, and competence shown in guiding me through the entire process.
I highly recommend Mr. Klycharlles Barners.

Carla Bom

I’m giving a 10-star recommendation for the service I’ve received from Klycharlles Barners and EXS SEGUROS. I’ve been a client for several years, with various types of insurance policies, and I’ll continue to purchase all my insurance through him. He is a highly competent professional who is always available, demonstrates deep knowledge of the insurance field, consistently presents the solutions best suited to the client’s needs, and, above all, inspires confidence in the service he provides. I highly recommend him!!!

Hugo Conceição

Klycharlles Barners 5*

Carla Santos

I highly recommend the services of EXS Seguros. They are extremely competent and dedicated professionals who are always available to answer any questions. They demonstrate a deep understanding of the insurance industry and consistently provide solutions best suited to the client’s needs. Their ethical approach and professionalism inspire confidence and reassurance. Without a doubt, an excellent insurance agent.

Jorge Silva

Kly is an excellent professional—someone who, within the company, followed up on my cases (mine and my wife’s) and went from being an employee to a friend, even though we’ve only ever spoken on the phone. I highly recommend him, as he is competent, trustworthy, and reliable—qualities that are hard to find these days. Congratulations to the company for having a professional like him.

Nuno Gomes

I’ve been a client of the company for almost 3 years, and I’ve always worked with Clycharlles Barners to handle my needs. The support provided has been excellent. Clycharlles has always demonstrated great professionalism, competence, and complete transparency in all the information provided. He is clear, approachable, and inspires confidence. I am very satisfied with the service provided. Keep up the good work.

Rafael Castro

Highly recommended. Awesome service, efficient and clear communication, and the best prices. Andreia Jacques was our dedicated agent, and we couldn’t be happier with her service. She made us feel like we were her only client and her top priority.

Gustavo Gonçalves

I recently had the pleasure of working with Klycharlles Barners at EXS on my personal insurance, and I can’t recommend him highly enough. Thank you, Charles.

Find the answers to your questions


What is family liability insurance?
It is the legal obligation to compensate third parties for damages caused unintentionally in the course of private life.
Who can be covered by the insurance?
Generally, a household may include adults, children, and other dependents, depending on the terms of the contract.
Does the insurance cover damage caused by children?
Yes—many solutions hold parents or guardians liable for the actions of minors.
Does this insurance replace other insurance policies?
No. It is supplemental coverage that strengthens the family's financial security.

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