--Who we are-- APS, which was founded in 1982, is a non-profit employers’ association of the insurance and reinsurance companies operating in the Portuguese market, irrespective of their legal nature or country of origin. The members of APS presently account for 99% of the insurance market in terms of business turnover and human resources employed by the sector. --Objectives-- Since its foundation in 1982, APS has been a constant presence of the Portuguese insurance sector, defending the interests of its members both nationally and internationally. The main objectives are: -To represent and defend members’ interests on the national and international level; -To promote cooperation between members and steer and defend mutual positions; -To contribute to the modernisation, prestige and development of the sector; -To provide assistance to members, in particular through the carrying out of technical studies; -To organise and manage services of common interest to the sector’s companies; -To negotiate and enter into collective labour agreements; -To perform any other activities of interest to the members or the insurance business.