Yes. Every employer in Belgium is required to take out occupational accident insurance for their employees.
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Occupational accident insurance
An occupational accident can have major consequences for both your employee and your business. Think of medical expenses, loss of wages, or long-term disability. With an occupational accident insurance policy, you protect your employees and meet your legal obligations as an employer.
Van Dessel Insurance Brokers helps you choose a solution that fits your organization, your sector, and your company's risk profile.
What is an occupational accident insurance?
An occupational accident insurance is a legally required insurance for employers in Belgium. It protects employees against the financial consequences of an accident that occurs during work or on the way to and from work.
When an employee has a workplace accident, this insurance reimburses, among other things, medical expenses and the loss of income in the case of temporary or permanent incapacity for work. In the event of death, the insurance also provides compensation for the surviving relatives.
This way, as an employer, you are protected against the financial impact of such situations, and your employees know that they can rely on support if something goes wrong.
What are the benefits?
Covers medical expenses after a work-related accident, such as treatments, hospitalization, and rehabilitation.
Covers loss of income when an employee becomes temporarily or permanently unable to work.
Covers accidents during work and commuting, including telework or business trips.
Provides financial support for surviving relatives when an employee dies as a result of a workplace accident.
Who is this insurance for?
Work accident insurance is mandatory for every company with employees.
It applies to, among others:
- SMEs and large enterprises
- Employers with workers and salaried staff
- Organizations with interns or trainees
- Companies where staff regularly work off-site
In short: as soon as you employ staff through an employment contract, you must take out this insurance.
What is covered and what is not?
What is covered?
- Medical expenses following a workplace accident
- Compensation during temporary incapacity for work
- An annuity in the event of permanent disability
- Compensation for surviving dependants in the event of death
What is not covered?
- Damage to personal belongings
- Damage resulting from intentionally caused accidents
- Health conditions not directly caused by an accident
How much does this insurance cost?
The premium for an occupational accident insurance is not the same for every company.
The cost is determined, among other things, by:
- The total wages of your employees
- The risk level of your sector or activities
- The number of employees
- Your claims history and prevention measures
- Any additional coverages
Because every company is different, the premium is always calculated individually.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
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Personal & involved
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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?
We analyze your activities, contractual obligations, and risks. You will receive a clear, tailored proposal for your company.
Request a quote with no obligation or contact us for personal advice.
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