Occupational Accident Insurance

Compulsory insurance for your employees

Even with a sophisticated prevention policy, you cannot completely exclude occupational accidents in your company. That is why, as an employer in Belgium, you are legally obliged to take out Occupational Accident Insurance for your staff. This insurance will provide cover if one of your employees has an accident while doing their job. In addition, your employees are also insured if they are involved in an accident on their way to or from work.

Which risks are covered by occupational accident insurance?

Occupational Accident Insurance provides various levels of cover in the event of a work-related accident.

• It will reimburse the cost of medical care needed after the accident.
• It pays compensation if your employee becomes temporarily or permanently disabled as a result of the work-related accident.
• It also provides a payment for the next of kin if the employee dies in the accident. 

Separate schemes for the self-employed and the independent professions

Your Occupational Accident Insurance protects all your employees with an employment contract: blue-collar workers, white-collar workers, temporary workers, apprentices, etc.

For self-employed entrepreneurs and independent professions there are specific schemes. There is no obligation for them to take out Occupational Accident Insurance, for example.

Protect your employees in hazardous areas

Terrorism, attacks, insurrections and war are unfortunately omnipresent in our contemporary world. If your employees are active in an area where there is a threat of such risks, you should take out an extension for terrorism or war risk for them.

Useful extensions for the optimum protection of your staff

There are a number of optional guarantees you can add to your Occupational Accident Insurance policy to further protect your employees.

• There is sometimes only a thin line between an accident at work and a private accident, especially when working from home. To prevent your employees from having to pay for the costs after an accident, you can take out Collective Accident Insurance for them.
• For your employees with an annual salary that exceeds the statutory ceiling, there is a risk of serious income loss in the event of incapacity for work. The compensation through the Occupational Accident Insurance is after all limited to a certain maximum. With Legal Excess cover you insure those employees for the portion of their wages that exceeds that ceiling. 
• The legislation on occupational accidents dates back to 1970 and has not evolved along with the social standards and working principles since then. It is therefore advisable to include a additional package of clauses in your insurance policy, so that the cover is fully adapted to the contemporary work culture (with, for example, working from home).