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Disability

An accident or illness can happen to anyone. If you, as an entrepreneur, become temporarily or permanently incapacitated for work, it can have a significant impact on your income, your business, and your financial future. With the right insurance, you protect yourself and your family against the financial consequences of income loss. 

arbeidsongeschiktheidsverzekering

What does this insurance cluster entail?

Disability and incapacity insurance provide a financial safety net when, due to illness or an accident, you are no longer able, or only partially able, to carry out your professional activities. 

For self-employed individuals, company directors, and liberal professions, this is especially important. Unlike employees, statutory protection is often limited, which means that long-term incapacity for work can have a significant impact on family income and the continuity of the business. 

Disability insurance provides a replacement income when you are temporarily or permanently unable to work. Depending on the chosen policy, the insurance can also cover disability, serious illnesses, or permanent incapacity to work. 

At Van Dessel, we work with you to determine which protection suits your professional situation, income, and financial commitments. That way, you are prepared for unexpected circumstances without putting your standard of living or future plans at risk. 

Our solutions

Which insurance solutions do we offer within this line of insurance?

Guaranteed income insurance

Protect your income as a self-employed professional with guaranteed income insurance. Receive a…

Turnover insurance

Protect your business against loss of revenue following the incapacity of a key person. Discover…

Our promise to you

Personal & involved

a tailor-made partner

We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.

Expertise & experience

already 80 years in insurance

Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.

Customization & innovation

beyond standard insurance

No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.

Would you like to receive a quote?

Would you like to know how to protect yourself, your family, or your business against the financial consequences of incapacity for work or disability? 

Contact our specialists for personal advice or request a no-obligation quote. Together, we will find the solution that best fits your situation. 

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Need help? Contact us.

Didn't find the answer to your question, or would you like to discuss your situation with a specialist? Our colleagues are happy to help you.

Prefer faster help? Check out our frequently asked questions.

Do I need disability insurance as a self-employed person?

Yes. The statutory benefits in case of incapacity for work are often limited. Income protection insurance helps to maintain your income when you are unable to work. 

What is the difference between incapacity for work and disability?

Incapacity for work means that you are temporarily or permanently unable to work due to illness or an accident. Disability usually refers to a long-term or permanent reduction in your work capacity. 

From when does a guaranteed income insurance start paying out?

That depends on the chosen waiting period. You decide in advance after how many days or months of disability the benefits will start. 

Is an accident outside of work also covered?

With an individual accident insurance, both private and professional accidents are usually covered. The exact coverage depends on the chosen policy. 

Can I take out insurance if I already have medical problems?

That is often possible. The insurer assesses your medical situation and may apply certain conditions or exclusions depending on your state of health.