Protect your employees

Business accident insurance protects your employees from the financial impact of an accident, no matter where it happens: at work, at home or even on vacation. In the worst case, if an employee becomes permanently disabled or dies, this insurance provides a significant lump sum benefit to the employees involved or their next of kin.

The benefits of accident insurance are significant: you have world and 24-hour coverage, so employees are protected at all times. Moreover, the director-major shareholder can be co-insured at a competitive rate. This insurance is a valuable fringe benefit that costs you relatively little as an employer, with optional dental coverage up to €5,000.

Workers' compensation insurance provides financial compensation for actual losses suffered by employees in work-related accidents. This can happen when an employee is on the way to an appraisal, inspection or viewing. This insurance covers not only accidents during working hours, but also during commutes, company outings and other work-related situations.

Workers' compensation insurance has some important differences from accident insurance. While accident insurance usually only pays out in the event of permanent disability or death, workers' compensation insurance also provides benefits in the event of temporary disability. This makes workers' compensation insurance a broader protection for your employees, despite the fact that the premium for accident insurance is usually lower. It is also possible to co-insure the director-major shareholder on accident insurance.