THE PROTECTION THAT LET YOU WORK WITHOUT SURPRISES


PEACE OF MIND TO MANAGE WHAT REALLY MATTERS


With the right protection, your business can continue to operate even after a loss. This means keeping your teams working, your assets protected, and maintaining the trust of your customers and partners. Ensure financial and operational peace of mind for your business with a commercial multi-risk insurance policy tailored to the needs of your business.

For those who don't want to wait


Protection Against Common Business Risks

Coverage against fires, explosions, natural disasters, and other accidental events that may damage business property.

Business Liability Insurance Coverage

It provides protection against unintentional damage caused to third parties in the course of the company's business.

Operational assistance and support services

Support for emergencies and incidents that can be resolved quickly.

Protects property, equipment, and facilities

From technical and industrial equipment to real estate, inventory, and furniture.

Activity-Based Coverage

Customizable plans tailored to each company's risk profile.

Support for Business Continuity

Mitigation of financial impacts that could disrupt operations.

Cessation of Profits/Suspension of Operations

Financial assistance that offsets the loss of revenue following a covered loss.

Facility Support and Support Services

Technical support, emergency repair services, and access to authorized suppliers.

What is covered?


Damage to the building

Protection for commercial properties against fire, explosions, smoke, storms, and other natural phenomena.

Water Damage and Malfunctions

Coverage for damages caused by burst pipes, leaks, or accidental spills.

Company equipment and assets

Protection of equipment, furniture, merchandise, and other assets essential to business operations.

Theft and Vandalism

Financial assistance in the event of theft or acts of vandalism that result in damage or loss.

Civil Liability

It protects the company against liability for unintentional damages caused to third parties in the course of its business operations.

Suspension of operations

Financial assistance that can help offset losses resulting from a business shutdown following an incident.

Facility Support

Support services for urgent repairs and the resolution of incidents that affect the company's operations.

Additional options

Option to include additional coverage tailored to the industry, size, and specific needs of the business.

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HOW DO YOU WANT TO PROTECT YOUR BUSINESS?

Commercial multi-risk insurance can be tailored to the type and size of your business, from micro-businesses to complex industrial operations. Education: Coverage against vandalism and breakage of glass and ceramics. Auto Repair Shops: Coverage for customers’ vehicles and test drives.

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.

Frequently Asked Questions


What is comprehensive business insurance?
It is a policy that combines several essential types of coverage to protect the company's assets, real estate, operations, liabilities, and profits against unforeseen events.
Is it suitable for any type of company?
Yes—multi-risk insurance can be tailored to different industries, company sizes, and business models.
What does civil liability cover?
It protects the company against third-party claims for unintentional damages caused in the course of its professional activities.
Does insurance cover loss of profits after an accident?
Yes—some policies include or allow you to add loss of profits coverage, which compensates for lost revenue following a covered loss.

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