Your occupational accident insurance is mandatory. Paying too much is not.
You tell us by chat who works for you, we find out for you what different insurers offer.
What does occupational accident insurance cover?
The consequences of an accident at work and on the way there. It is legally required as soon as you employ someone.
A basic policy follows the occupational accidents act: loss of salary, medical costs, and benefits for permanent disability or death. A road accident on the way to or from work is included too, and trainees also fall under the obligation.
Because the law sets out what has to be covered, that basis looks much the same at every insurer. The difference is therefore not in the cover but in two other things: what you pay, and what happens once a file is open.
That second one is almost always underestimated. An occupational accident is not a one-off payment but a file that can run for months, with arguments about the percentage of incapacity, about medical costs and sometimes about whether the accident falls under the act at all.
That boundary is not always sharp. An employee who slips at the hotel pool on a business trip, or has an accident on the way to that trip: that is usually where the argument starts.
What we work out in that conversation
You tell us who works for you: how many people, in which roles, with what payroll and whether there are trainees or student workers among them. We do not need more than that to go to the market.
Because we are a broker and not an insurer, we have no policy of our own to sell. The law says what has to be covered, the insurer sets the price. We make sure you do not pay too much for something you are obliged to take.
Where it is worth going above the statutory minimum in your case, we say so. Think of cover that also includes your people’s private accidents, so they are protected day and night. That is not an obligation, but it is a fringe benefit that costs you little.
If there is an accident, we follow the file for you and everything stays in the same conversation. No new file number, no explanation you have to give again.
If staff join or something changes in your team, you pick up the thread where you left it.
How to start
You send a message through the chat on this page.
You answer a few targeted questions about your team. No long questionnaire.
You get a tailored proposal usually within two working days, explaining what is covered, up to what amount, and what is not in the policy.
If you agree, you confirm the proposal.
What a conversation with Ōmata looks like
You do not need to know which policy you are looking for, and there is no form to fill in.
Start your request
Viktor is online
You are talking to an AI assistant. You can ask for a human colleague to take over at any time.
- CustomerI am hiring my first employee on Monday. What absolutely needs to be in place?
- ŌmataOccupational accident insurance, and it must be in force from his first working day. What will he be doing, and is he full-time or part-time?
- CustomerFull-time, in our workshop. He occasionally goes out to a client.
- ŌmataClear, that puts him in a technical job class and the travel is covered too. What gross salary are you agreeing with him?
- CustomerAbout 2,800 euros gross a month.
- ŌmataNoted. I will pass this on to our expert, with Monday as the start date. You will hear from us usually within two working days.
Try it yourself
Who this is for
The obligation attaches to being an employer, not to size. One contract is enough, however short or small.
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Anyone hiring their first employee
The policy has to be in place on their first working day, not after. That is the most common mistake at a first hire.
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Hospitality and retail with flexible and student staff
A student working one Saturday counts just as much as a full-timer.
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Construction and technical trades
The sector with the heaviest accidents and therefore the sharpest enforcement.
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Care and domestic services
Work in people’s homes, with travel between addresses that counts too.
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Non-profits with staff
An association with a single paid worker is an employer and therefore covered by the obligation.
Who this is not for
- Anyone working alone as a self-employed person. Without staff there is no obligation — and you are not covered yourself. Guaranteed income exists for that, and it is a different policy.
- Anyone working only with self-employed subcontractors. They are their own employer. Watch for bogus self-employment: if the relationship is in fact an employment contract, the obligation applies anyway.
- Anyone working only with volunteers. Volunteers fall under their own regime. A non-profit with volunteers only needs volunteer cover, not an occupational accident policy.
- Anyone hiring staff solely through an agency. The agency is the legal employer and insures. Your own public liability cover is still needed.
What occupational accident insurance covers
Occupational accident insurance covers the consequences of an accident during work and on the way to and from work: the medical costs, a replacement income during incapacity, compensation for permanent injury, and a pension for dependants on death. The benefits are set by law and calculated on salary, up to a statutory ceiling.
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Medical costs Doctor, hospital, rehabilitation, prosthetics and the transport there, with no excess for the employee.
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Temporary incapacity A replacement income for as long as someone cannot work, calculated on salary up to the statutory ceiling.
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Permanent incapacity A pension where injury remains, in proportion to the assessed degree of incapacity.
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Death A pension for the partner and children, and a contribution to funeral costs.
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The journey to and from work The whole route between home and workplace.
The most frequently asked question, and the answer is yes.
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Travel during work From one client to another, to a site, to training or to the bank on the firm’s business.
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Students, part-timers and flexible staff Everyone with an employment contract, whatever the duration or hours.
One Saturday is enough.
What occupational accident insurance does not cover
Not covered are the self-employed director themselves, accidents in private life, and the part of salary above the statutory ceiling as long as there is no top-up cover.* Deliberate injury is excluded too.
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The self-employed director You are not your own employee.
If you drop out, no occupational accident policy pays; guaranteed income exists for that.
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Salary above the statutory ceiling The statutory benefit stops at a ceiling.
Anyone earning more keeps nothing of the part above it without top-up cover.
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Accidents in private life At home, on holiday or on the way to a private appointment.
Family liability and health insurance take over there.
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A detour without reason The commute is covered, including the usual stops.
A substantial detour for private reasons can interrupt cover.
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Deliberate injury Anyone deliberately injuring themselves falls outside.
An accident remains an accident, even where there was carelessness.
Just ask
No policy: what happens then
The insurance obligation starts on the first working day of your first employee. Not at the Dimona declaration, not at the end of the trial period: on day one.
If you have no policy and that is established, automatic affiliation with the federal agency for occupational risks follows, with a contribution on top of what the ordinary premium would have been. If an accident happens in that period the victim is compensated — but the agency can recover that compensation from you.
The salary ceiling: why the statutory benefit often is not enough
Benefits are calculated on the employee’s salary, but only up to a statutory ceiling. That ceiling is adjusted annually and sits below what many office staff and managers earn.
In practice: if someone earning above that ceiling is off work long term, only the part up to the ceiling is compensated. The difference is their problem, and in practice yours too — it is your employee who cannot manage on it.
You are not covered yourself
The policy insures your employees. As a self-employed director you are not an employee and so not insured, even when you stand beside your team every day.
If an accident puts you out of action, you fall back on the benefit from your health insurance fund, far below what you are used to. Guaranteed income closes that gap — a different policy, on a different page, and usually the first one a self-employed person should take.
What determines the price
A figure without your details is a guess. What determines the premium, we can list.
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Payroll
Total gross salary is the base of the calculation.
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Sector and roles
A roofer and an office worker are not in the same class.
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Claims history
The number and severity of accidents in recent years.
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Top-up cover
Whether top-up cover above the statutory ceiling is included.
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Travel
How much work happens on the road and by what means.
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Prevention
What training, protective equipment and procedures are in place.
Frequently asked questions
From when am I required to have this?
From the first working day of your first employee. Not from the Dimona declaration and not after the trial period: on day one. That also applies to a part-timer, a flexible contract and a student working one Saturday.
Is commuting covered?
Yes. The route between home and workplace is covered in both directions, by car, bike, public transport or on foot, and also with the ordinary stops: dropping off children, refuelling, picking up a colleague. A substantial detour for private reasons can interrupt cover.
Does this also apply to a student worker?
Yes, without exception. Everyone with an employment contract is covered, whatever the duration or hours. A student coming in for one Saturday has to be insured like anyone else.
What if I have no policy?
If that is established, automatic affiliation with the federal agency for occupational risks follows, with a contribution on top of the ordinary premium. If an accident happens in that period the victim is compensated but the agency can recover that compensation from you. That is the real risk.
What about salaries above the statutory ceiling?
The statutory benefit is calculated on salary up to a ceiling that is adjusted each year. Anyone earning more keeps nothing of the part above it. Top-up cover above the ceiling exists for that; it is cheap and makes the biggest difference for your best-paid people.
Am I covered as a director myself?
No. The policy insures your employees; as a self-employed person you are not an employee. If you drop out you fall back on the benefit from your health insurance fund. Guaranteed income closes that gap.
Who is behind Ōmata?
Ōmata Insurance is the AI-first studio of the Induver group and a sister company of Group Induver NV: two companies within the same group, not parent and subsidiary. Ōmata puts you in touch with Group Induver NV, an insurance broker holding FSMA number 016880; that is where the advice and the policy come about. The full identification is set out in the legal notices.
About Ōmata
Ōmata is the AI-first insurance studio of Group Induver. You tell us what you want to insure over chat; usually within two working days you receive a proposal, drawn up by an insurance broker at Group Induver NV, registered with the FSMA under number 016880.
Ready to start?
Send us a message and tell us briefly what you want to insure. You get an immediate reply and your proposal usually within two working days.
Notes on the asterisks on this page
- The statutory ceiling is adjusted every year, so we deliberately do not state a figure here.