Worker's accidentProtect your employees with the mandatory coverage and benefit amounts required by their collective bargaining agreement
Highlighted Coverages
- Death
- Partial Permanent Disability
- Total Permanent Disability (Any Occupation)
- Total Permanent Disability (Own Occupation)
- Major Disability
Detailed Information
- FOR WHOM?
The Worker's Accident insurance is aimed at those companies with registered workers and subject to a labor agreement that requires the hiring of insurance that covers their workers with certain guarantees.
- WHY?
It is mandatory insurance by law for any company regulated by a specific labor agreement.
In addition, it is essential to be able to protect your employees against the economic consequences of an accident, death or disability.
- COVERAGES
Death
Pays a cash benefit to the designated beneficiaries if the insured dies as a result of an accident or occupational illness, giving their loved ones financial support.
Partial Permanent Disability
Pays a benefit if the insured suffers a partial disability that prevents them from performing certain work activities but does not leave them completely unable to work.
Total Permanent Disability (Any Occupation)
Pays a benefit if the insured becomes permanently unable to perform any kind of work, providing long-term financial support.
Total Permanent Disability (Own Occupation)
Pays a benefit if the insured becomes permanently unable to perform their usual occupation, even if they could still take up a different line of work.
Major Disability
Pays an additional benefit to an insured who, due to a permanent disability, needs another person's help to carry out the basic activities of daily living.
- REAL CASE?
An employee of a construction company, by accident suffers a fall that causes him a disability. The The Worker's Accident indicates that in the event of disability due to a work accident, the worker is entitled to compensation of €49,000. The accident insurance agreement would cover the payment of this compensation.
- Frequently Asked Questions
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Group insurance: life, health and accidents
How group life, health and accident policies work, and their advantages over individual insurance.
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General questions about InsurCEO
What InsurCEO is, which insurance lines we manage, and how we work as a brokerage specialised in businesses.
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The basics: how insurance works
Premium, deductible, policy wording and exclusions: the concepts worth understanding before taking out a policy.
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Taking out and maintaining a policy
Risk disclosure, endorsements, renewal and what to do when your company's activity or revenue changes.
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When a claim happens
How a claim is reported, what a loss adjuster does, and your options if you disagree with the payout.
Answer a few questions about your business and we'll show you the options. If you'd rather talk it through, we'll call you.
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