{"id":7624,"date":"2025-11-03T11:21:29","date_gmt":"2025-11-03T11:21:29","guid":{"rendered":"https:\/\/www.gbwoluwe.be\/welke-verzekering-heb-je-nodig-voor-een-woning\/"},"modified":"2025-12-04T10:39:49","modified_gmt":"2025-12-04T10:39:49","slug":"welke-verzekering-heb-je-nodig-voor-een-woning","status":"publish","type":"post","link":"https:\/\/www.gbwoluwe.be\/en\/welke-verzekering-heb-je-nodig-voor-een-woning\/","title":{"rendered":"What insurance do you need for a home?"},"content":{"rendered":"

[vc_row][vc_column width=”1\/2″][vc_column_text css=”.vc_custom_1747297230792{margin-top: 0px !important;}”]<\/p>\n

Industrial accident insurance<\/span><\/strong><\/h3>\n

As a business owner and employer, you are legally obliged to insure your staff against accidents at work.<\/h4>\n

[\/vc_column_text][vc_message message_box_style=”outline” style=”square” message_box_color=”grey” icon_fontawesome=”fa fa-solid fa-check” css=”.vc_custom_1747297239190{margin-top: 0px !important;}”]Insure your staff at work, when they\u2019re on the road and if they\u2019re working from home[\/vc_message][vc_message message_box_style=”outline” style=”square” message_box_color=”grey” icon_fontawesome=”fa fa-solid fa-check” css=”.vc_custom_1747297246221{margin-top: -40px !important;}”]Get four additional types of cover on top of what is legally required[\/vc_message][vc_message message_box_style=”outline” style=”square” message_box_color=”grey” icon_fontawesome=”fa fa-solid fa-check” css=”.vc_custom_1747297252999{margin-top: -40px !important;}”]Personalise your policy with add-on cover (such as for higher wages)[\/vc_message][vc_message message_box_style=”outline” style=”square” message_box_color=”grey” icon_fontawesome=”fa fa-solid fa-check” css=”.vc_custom_1747297258675{margin-top: -40px !important;}”]Avoid costs, fines and other penalties[\/vc_message][vc_btn title=”Read all about occupational accident insurance here” style=”flat” shape=”square” color=”info” size=”lg” align=”left” css=”.vc_custom_1747297340814{margin-top: 30px !important;}” link=”url:https%3A%2F%2Fwww.kbc.be%2Fbusiness%2Fen%2Fproducts%2Finsurance%2Finsuring-yourself-and-your-staff%2Finsure-your-staff%2Fwork-accident-insurance.html|target:_blank”][\/vc_column][vc_column width=”1\/2″][vc_column_text css=”.vc_custom_1744887571837{margin-top: 30px !important;}”]\"\"[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1714380805611{margin-top: 40px !important;padding-right: 40px !important;padding-bottom: 20px !important;padding-left: 40px !important;background-color: #ededed !important;}”][vc_column offset=”vc_hidden-xs”][vc_column_text css=”.vc_custom_1747297366876{margin-top: 0px !important;}”]<\/p>\n

Why take out industrial accident insurance?<\/span><\/strong><\/h3>\n

[\/vc_column_text][vc_column_text css=””]An accident at work can happen at any time. That\u2019s why you, as a business owner and employer, are\u00a0legally obliged<\/b>\u00a0to take out industrial accident insurance.<\/p>\n

However,\u00a0KBC Commercial Employee Insurance<\/b>\u00a0offers a higher level of cover than required by law. Included in your policy are\u00a0four supplementary types of cover\u00a0<\/b>that offer greater protection for your staff,\u00a0without\u00a0<\/b>requiring you to pay an\u00a0additional premium.<\/b><\/p>\n

You can also include\u00a0add-ons<\/b>\u00a0like\u00a0Excess Wages<\/b>\u00a0cover to insure the full wages of your employee, even if they exceed the wage ceiling (the figure in 2022 was 48 084.06 euros).[\/vc_column_text][vc_video link=”https:\/\/www.youtube.com\/watch?v=QsW_K8GQ0DY” css=””][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/2″][vc_column_text css=”.vc_custom_1744887585798{margin-top: 30px !important;}”]\"\"[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_column_text css=”.vc_custom_1747297388497{margin-top: 0px !important;}”]<\/p>\n

What is industrial accident insurance?<\/span><\/strong><\/h3>\n

[\/vc_column_text][vc_column_text css=”.vc_custom_1747297393872{margin-top: 30px !important;}”]Industrial accident insurance is a\u00a0compulsory insurance policy<\/b>\u00a0you, as an employer, are required to take out for anyone with whom you sign an employment contract, even if you\u2019ve only hired them for a day. It leaves your employees safe in the knowledge that they\u2019re properly insured should they have an accident at work.[\/vc_column_text][vc_column_text css=”.vc_custom_1747297404335{margin-top: 0px !important;}”]<\/p>\n

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.<\/span><\/strong><\/h4>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1732008975296{margin-top: 0px !important;}”][vc_column][vc_row_inner gap=”30″][vc_column_inner][vc_btn title=”Read all about occupational accident insurance here” style=”flat” shape=”square” color=”info” size=”lg” align=”center” css=”.vc_custom_1747297428789{margin-top: 30px !important;}” link=”url:https%3A%2F%2Fwww.kbc.be%2Fbusiness%2Fen%2Fproducts%2Finsurance%2Finsuring-yourself-and-your-staff%2Finsure-your-staff%2Fwork-accident-insurance.html|target:_blank”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1714380805611{margin-top: 40px !important;padding-right: 40px !important;padding-bottom: 20px !important;padding-left: 40px !important;background-color: #ededed !important;}”][vc_column offset=”vc_hidden-xs”][vc_column_text css=””]<\/p>\n

Do you have any questions? We are here to help!<\/span><\/h2>\n

[\/vc_column_text][vc_column_text css=””]<\/p>\n

We, the employees of your trusted KBC office, remain there for you.<\/p>\n

Together we form a team of experts to help you, where and when you want!<\/strong><\/p>\n

[\/vc_column_text][vc_btn title=”CONTACT US” style=”flat” shape=”square” color=”info” size=”lg” align=”center” css=”” link=”url:%2Fcontacteer-ons%2F|target:_blank”][vc_raw_html]JTNDc3R5bGUlM0UlMEElMEEudmNfY29sb3ItZ3JleS52Y19tZXNzYWdlX2JveC1vdXRsaW5lJTJDJTIwLnZjX2NvbG9yLWdyZXkudmNfbWVzc2FnZV9ib3gtc29saWQtaWNvbiUyMCU3QiUwQSUyMCUyMCUyMCUyMGJvcmRlci1jb2xvciUzQSUyMCUyM2ZmZmZmZiUzQiUwQSU3RCUwQSUwQSUzQyUyRnN0eWxlJTNF[\/vc_raw_html][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

As a business owner and employer, you are legally obliged to insure your staff against accidents at work …<\/p>\n","protected":false},"author":11,"featured_media":7625,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[72],"tags":[],"class_list":["post-7624","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kbc-nieuws"],"_links":{"self":[{"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/posts\/7624","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/comments?post=7624"}],"version-history":[{"count":2,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/posts\/7624\/revisions"}],"predecessor-version":[{"id":7678,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/posts\/7624\/revisions\/7678"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/media\/7625"}],"wp:attachment":[{"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/media?parent=7624"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/categories?post=7624"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gbwoluwe.be\/en\/wp-json\/wp\/v2\/tags?post=7624"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}