For the self-employed and businesses
Work accident insurance
In Belgium, a private sector employer who has paid employees must insure them against work accidents with an approved insurance company. The policy covers accidents at work and on the way to or from work.
- 4,4 out of 5, 83 Google reviews
- Independent broker, not a bank!
- 12 insurance companies compared
Our partner insurers
Useful if
- 1You are hiring your first employee and must insure them.
- 2An employee is injured on a site or at your premises.
- 3A worker has an accident on the way to work.
What the policy can cover
- Accidents at the workplace
- Accidents on the way to or from work
- Medical care and compensation provided by law
- All paid employees: full-time, part-time, fixed-term
The exact cover, excesses and exclusions depend on the insurer and the policy. We compare 12 insurers and give you an offer.
A legal obligation for the employer
The law of 10 April 1971 requires private sector employers to insure their paid employees against work accidents from the first day of work, with an approved insurance company.
If the employer does not insure, or not in time, Fedris steps in automatically to protect the victim and then recovers the costs from the employer.
What is covered
The policy covers accidents occurring in the course of the employment contract, as well as accidents on the way to or from work. It pays for care and compensation under the conditions set by law.
An accident must be reported within the deadlines. We explain the procedure when the policy starts.
Having your situation reviewed
First policy or change of insurer: tell us how many employees you have and what your activity is. We compare our partner insurers and put a proposal to you. You decide.
What our clients say…
Read all reviews on GoogleJe suis vraiment très contente du service que j’ai reçu. Toute l’équipe a fait preuve d’un grand professionnalisme et d’une vraie qualité de service du début à la fin. Je me suis toujours sentie accompagnée et soutenue, avec une présence constante et beaucoup d’attention à mes besoins. On sent que chacun donne son maximum pour satisfaire les clients, et cela fait toute la différence. Je tiens à remercier tout particulièrement le courtier Monsieur Kubat Ali pour son professionnalisme, sa disponibilité et son accompagnement tout au long du processus. Son écoute et son implication ont été très appréciées. Un grand merci à toute l’équipe pour leur gentillesse et leur travail de qualité. Je recommande vivement !
Sirin Yildirim
Merci beaucoup à Pinar pour tous les démarches qu'elle a effectuée pour l'obtention de notre crédit! Dès le début elle a été présente, et une personne de confiance. De nos jours c'est tellement difficile de trouver un gestionnaire qui suit parfaitement ces dossiers pour la satisfaction du client. Merci encore!
Ciftci Baris
Excellent service, bon accueil, toujours disponible avec ses clients. Merci à vous Monsieur Bayram. Vous êtes quelqu'un d'exceptionnel et gardez toujours votre sourire et votre hospitalité. Franchement à recommander.
Chris Luedi
Who will call you back?
Your request is handled here at Passage Charles Rogier by the person who will see it through to signing.
Rüstem Liman
Financial manager
Pinar Mugla
Sales associate, mortgages and insurance
Ali Kubat
Mortgages
Bayram Cakir
Mortgages
Bahar Celik
Instalment loans
Tolga Demirkazik
Insurance account manager
Sinan Yilmaz
Insurance account manager
We see clients by appointment, Passage Charles Rogier 10, two minutes from Rogier metro station.
02 203 24 34
Your questions
Is work accident insurance compulsory?
Yes. In Belgium, a private-sector employer with paid employees must insure them with an approved insurer.
Is the commute covered?
Yes, the contract covers accidents at work and on the way to and from work.
Who is covered?
All paid employees, full-time, part-time or on a fixed-term contract. Medical care and compensation are those provided by law.
I work alone, does this concern me?
The obligation applies to an employer with employees. A self-employed person without staff is not concerned, and their income in case of incapacity falls rather under guaranteed income insurance.
Our other insurance products
For individuals- Professional liability insuranceThe damage your business activity causes to clients or third parties.
- Fire and business package insuranceYour premises, contents and stock, and lost income after a claim.
- Income protection insuranceA replacement income if illness or an accident stops you from working.
- Supplementary pension for the self-employedTop up the statutory pension, with a tax advantage under conditions.
