Industrial accident insurance
As a business owner and employer, you are legally obliged to insure your staff against accidents at work.
Insure your staff at work, when they’re on the road and if they’re working from home
Get four additional types of cover on top of what is legally required
Personalise your policy with add-on cover (such as for higher wages)
Avoid costs, fines and other penalties
Why take out industrial accident insurance?
An accident at work can happen at any time. That’s why you, as a business owner and employer, are legally obliged to take out industrial accident insurance.
However, KBC Commercial Employee Insurance offers a higher level of cover than required by law. Included in your policy are four supplementary types of cover that offer greater protection for your staff, without requiring you to pay an additional premium.
You can also include add-ons like Excess Wages cover to insure the full wages of your employee, even if they exceed the wage ceiling (the figure in 2022 was 48 084.06 euros).
What is industrial accident insurance?
Industrial accident insurance is a compulsory insurance policy you, as an employer, are required to take out for anyone with whom you sign an employment contract, even if you’ve only hired them for a day. It leaves your employees safe in the knowledge that they’re properly insured should they have an accident at work.
If you fail to take out industrial accident insurance, there could be serious consequences. You may, for instance, be fined or even end up in prison. In addition, you have to pay the (medical) expenses yourself if one of your employees is involved in an accident.
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