Commercial employee insurance

Give your staff protection for if they have an industrial accident

Commercial employee insurance

Give your staff protection for if they have an industrial accident

You know that accidents at work can happen. Insurance against industrial accidents is compulsory but, in addition, there a many forms of insurance you can take out to protect yourself, your workforce or your helpers.

Compulsory industrial accident insurance

What is it?

As an employer, you are obliged to take out industrial accidents insurance for your employees. The insurance pays out to cover items such as medical expenses and loss of income that are due to an industrial accident. The insurance covers anyone you have an employment contract with, even if it’s just for one day.

What’s insured?

  • The costs of medical care after an industrial accident.
  • Compensation if an employee is temporarily unable to work.
  • Compensation if the assistance of others is needed (e.g., in the event of lasting, serious injury)
  • Compensation for the death of your employee:
    • Funeral expenses
    • Life-long pension for the spouse
    • Pension for the children  for as long as they’re entitled to child allowance

What’s NOT insured?

  • Property damage, such as damaged clothing
  • Compensation for non-pecuniary loss resulting from the accident

Additional info

  • If you omit to take out industrial accidents insurance, you may be fined and are even liable to prosecution.
  • The level of pay on which compensation is calculated is capped. If your employees earn more, it’s advisable to take out supplementary insurance (see below).
  • And don’t forget helpers: you can take out separate insurance to cover them (see below).

In addition to compulsory insurance, a range of other options are open to you. A summary:

Guaranteed income insurance following an industrial accident

What is it?

During the first 30 days when your employees are incapacitated for work by an industrial accident, they receive guaranteed salary. You have to pay that salary as the employer, but it is not fully reimbursed by the industrial accidents insurer. This policy pays the difference between the total wage cost that you have to pay as employer and the compensation you receive from the industrial accidents insurer.

What’s insured?

  • As employer, the difference between the total wage cost that you pay to the employee and the compensation you receive from the industrial accidents insurer.
  • The policy also covers the employer social security contributions that you are liable for as employer for the guaranteed salary period that is insured.

N.B.:

  • the policy applies only where Belgian industrial accidents legislation applies
  • you can take out a policy for blue-collar or white-collar workers, or for both
  • even for employees earning less than the wage ceiling set by law, part of the wage cost is borne by the employer until 30 days after the accident

Supplementary industrial accidents insurance

What is it?

Compulsory industrial accidents insurance is a form of insurance governed by statute. To calculate the payout, the employee’s salary is topped off and certain medical expenses are not reimbursed. This policy goes a step further and also insures the portion of salary over and above the legal wage ceiling. Extra medical expenses are also reimbursed.

What’s insured?

There are two sub-policies:

  • Supplementary Compensation cover: The payouts under the industrial accidents legislation are based on a capped wage. Some employees earn more than that, and you can insure that extra amount using this supplementary insurance.
  • Supplementary Medical Costs cover: This portion of the policy compensates for medical expenses that are not reimbursed under the industrial accidents policy. Up to a maximum of 5 000 euros per employee per accident.

What’s NOT insured?

  • Non-pecuniary loss that your employee might sustain
  • Property damage, such as damaged clothing
  • Accidents caused by intentional acts or omissions, such as in a state of drunkenness

Additional info

  • An employee’s actual pay can easily exceed the legal wage ceiling, given that fact that pay includes all income, such as holiday pay, the 13th month or meal vouchers.

Accident insurance in employees’ private lives based on the industrial accidents legislation

What is it?

It can sometimes be unclear whether something happens in the course of work or in an employee’s private life. With this insurance, your staff are covered 24/7. If your staff are also insured against accidents in their private life, you and they have peace of mind if something untoward happens to them.

What’s insured?

Accidents in staff’s private lives This concerns:

  • The costs of medical care
  • Payment in the case of temporary or permanent work disability
  • Payment if third-party help is needed
  • Payment in the event of death

What’s NOT insured?

  • Industrial accidents (because they are covered by the compulsory insurance)
  • Accidents caused by intentional acts or omissions, such as in a state of drunkenness
  • Accidents involving aircraft except as a regular passenger.

Personnel assistance

What is it?

Insurance for employees who regularly have to travel abroad. The policy covers health problems and accidents. Can also be taken out at intervals for those occasionally travelling abroad.

What’s insured?

  • The costs of healthcare and hospitalisation expenses, plus transport up to 25 000 euros per person
  • Repatriation to Belgium if the insured person’s state of heath requires.
  • Transport of luggage, transport of a vehicle to Belgium

What’s NOT insured?

  • Complications related to, or worsening of, an existing illness if the prescribed treatment has not been followed
  • Sport engaged in for profit

Additional info

  • The insurance applies worldwide, whilst staying abroad and during travel.
  • This insurance is only available if you take out industrial accidents insurance plus private-life accident insurance for your employees.

Accident insurance for unpaid assistants

What is it?

Insurance for persons who provide help to the business without payment, such as family members who lend occasional assistance.

What’s insured?

  • Costs of healthcare and related costs up to 12 500 euros per person per accident. Deductible payable by the insured person: 125 euros
  • Daily compensation of 13 euros in the case of temporary work disability as from the 31st day after the accident
  • Compensation in the event of permanent disability
  • Compensation in the event of death

What’s NOT insured?

  • Accidents to persons aged over 75
  • Intentional acts
  • Gross negligence such as drunkenness
  • Accidents to which the industrial accidents legislation applies

Additional info

  • Those residing with management are not deemed unpaid helpers.

Accident insurance based on an agreed yearly salary

What is it?

A separate policy for management to compensate for medical care and loss of income in the case of accident, whether at work or private (24/7).

What’s insured?

  • Costs of healthcare and related costs
  • Compensation in the event of temporary work disability
  • Compensation if the manager is permanently invalided
  • Compensation on death or reimbursement of the funeral expenses

What’s NOT insured?

  • Accidents caused by intentional acts or omissions, such as in a state of drunkenness
  • Accidents to which the industrial accidents legislation applies
  • Accidents involving aircraft except as a regular passenger

Additional info

  • This insurance does not pay out in cases of illness
  • The insured must be under 60 years of age when the policy commences

Accident insurance for family members.

What is it?

A policy for your family members for when the occasionally lend assistance to your business, but also extending to their private lives.

What’s insured?

Virtually all accidents in your family members’ private lives. During sport, at school, in traffic or while travelling. Including accidents when your family members come and help out in your business.

  • Reimbursement of costs of healthcare and related costs
  • Permanent physical disability cover
  • Compensation on death or payment of the funeral expenses

What’s NOT insured?

  • Accidents where your family members work as employees of the business. In that case, compulsory industrial accidents insurance applies
  • Accidents caused by intentional acts or omissions, such as in a state of drunkenness
  • Accidents involving aircraft except as a regular passenger

Additional info

  • Each insured person remains insured until age 75

Good to know:

  • This product is governed by the laws of Belgium.
  • The types of insurance in this policy apply for a term of one year or three years. The policy renews automatically on the renewal date for successive periods of the same duration as the initial period that is contracted unless the policy is terminated no later than three months before the main renewal date.
  • Your intermediary is your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 0800 620 84 (free number) or + 32 78 15 20 45 (pay number), fax + 32 16 86 30 38. If you cannot find a suitable solution, you can contact the Insurance Ombudsman, which serves the whole industry, de Meeûssquare 35, 1000 Brussels, e-mail info@ombudsman.as, website www.ombudsman.as. This does not affect your right to take legal action.

If you’d like a quote for a KBC Commercial Insurance Employee Cover, please contact your KBC Insurance intermediary.

Please refer to the product fact sheet for a concise description of the cover and the most important exclusions, as well as other useful information.

  • Productfiche

Was this page useful to you? Yes No

Related products

Theft Insurance

Theft Insurance

Covers you for loss or damage affecting your goods as a result of theft or attempted theft.

Professional Liability Insurance

Professional Liability Insurance

What if you have to pay compensation or incur legal expenses because you or one of your employees commits a professional error? KBC Professional Liability Insurance covers both you and your business: we pay those amounts for you. Find out all about it.

VSPSS

VSPSS

The Voluntary Supplementary Pension Scheme for the Self-Employed (VAPZ) takes away the financial worries later in life. Discover the KBC Life Pension Plan.

Third-party liability for your business

Third-party liability for your business

Doing business can lead to losses and damage for which you can be held liable. This policy insures you in the event that someone files a claim against you.