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Real competition
We approach the insurers relevant to your activity and compare rates, ceilings and services. You see where you stand.
Self-employed & SMEs · Statutory cover
Workplace accident insurance: a clear quote, fast.
Hiring staff and need to be covered in time? As an independent broker, we put insurers in competition and deliver first quotes within 24 business hours on simple trades. Cover can start the day after your request. You decide, we handle the urgency.
Request my quote online ☎ +32 83 23 17 23
⚡ Hiring within 48h? Tick "urgent" in the form — we prioritise your file.
4.9/5 ★ · 64 Google reviewsIndependent brokerAcross Belgium
Statutory cover
Required from 1 employee
We compare AG, AXA, Allianz, Vivium, Baloise, BDM, Securex, TVM… and others depending on your activity.
24hFirst business-hour quotes (simple trades)
7+Insurers put in competition
48hPriority handling if urgent
100%Online: no phone call needed
Cover
What workplace accident insurance covers
Workplace accident insurance protects your workers during work and on the commute. The premium is based on the gross payroll, capped per worker (€58,096.10 in 2026), with a rate that depends on the activity and staff category.
- Medical costs — care, hospitalisation, rehabilitation linked to the accident.
- Incapacity for work — benefits for temporary or permanent absence.
- Commute — the home ↔ workplace journey is included.
- Death — capital and annuity for beneficiaries.
- Annual adjustment — the premium adjusts to your actual salaries each year.
Going further — the options
Two limits of the law, two options to close them
How far? — the amounts
Excess cover, for higher salaries
Statutory cover only compensates income up to the legal ceiling (€58,096.10/year in 2026). Above that, the salary is not covered — unless you add the option.
€58,096.10
€0Actual pay →
Statutory
Excess cover
Excess cover
Covers the part of pay above the legal ceiling: essential as soon as a salary exceeds the ceiling, to avoid a compensation gap in a serious accident.
+ Guaranteed salary: a complementary option that maintains the worker's income beyond statutory benefits, according to the chosen formula.
When? — the moment
The law covers work… and nothing else
Statutory cover only applies during work and on the commute. The rest of the time — private life — is not covered, unless you add the option.
24/7 personal accident
Extends protection to accidents outside the work context (private life): cover becomes continuous, 24/7, at work and beyond.
Our difference
…and others depending on your activity
An independent broker: we work for you, not for an insurer
We don't sell a single insurer's contract. We consult several insurers, compare rates and conditions, and position you against the market. The goal: the best cover at the right price, not the first quote that comes along.
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Fast without cutting corners
We don't settle for a single quote, but we don't wait for every insurer either: you get the results as soon as they're solid.
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One contact, over time
Subscription, annual salary adjustment, claims handling: we remain your single point of contact, year after year.
…and others depending on your activity
In 4 steps
From your request to cover
You fill in
The online form, in a few minutes. All the useful info to price, in one go.
We compete insurers
We approach the insurers suited to your trade and analyse their responses.
You receive quotes
24 business hours for simple cases, a few days for complex files (48h if urgent).
We advise & subscribe
We explain the differences, you choose, we activate cover on the right date.
A legal obligation
Workplace accident insurance is compulsory from your first employee
The Act of 10 April 1971 requires every employer — self-employed with staff, company or non-profit — to insure their workers against accidents at work. Important: registration with the ONSS/RSZ does not cover this risk. It is a separate contract, also called "assurance loi". Here is how the control works, plainly.
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The starting point
The obligation arises from the first day of employment, for each staff member (full-time, part-time, student).
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Automated control
Without cover, a warning letter follows quickly — often a few days after non-insurance is detected.
- 3
Compulsory affiliation
Fedris (Federal Agency for Occupational Risks) then affiliates the employer automatically and claims a contribution. It is not a premium: it is a penalty, based on the duration of non-insurance and the number of workers.
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The real risk
In the event of an uninsured accident, the employer may have to compensate the victim themselves. Cover taken out in time avoids all of this.
The good news: it's quickly sorted
Getting in order takes little time when it's well prepared. Fill in the form once, we handle the comparison and you quickly receive cover ready to start.
Cover possible from the day after the request
We also handle urgent files (< 48h)
One point of contact for all insurers
Frequently asked questions
You're probably wondering about these
Is it really compulsory?
Yes, from the first employee. The Act of 10 April 1971 requires every employer to insure their staff against accidents at work, from the first day of employment. ONSS/RSZ registration does not cover this risk — it is a separate policy, the "assurance loi".
From how many employees?
From just one. The obligation exists for each staff member, whatever the contract: full-time, part-time, student.
What if I'm not insured?
Controls are automated: a warning letter quickly follows a lack of cover, then Fedris proceeds with a compulsory affiliation. The contribution claimed is not a premium but a penalty, based on the duration of non-insurance and the number of workers. In the event of an uninsured accident, the employer may also have to compensate the victim themselves.
How much does it cost?
The premium is a rate applied to the gross annual payroll, capped at €58,096.10 per worker (2026). The rate depends on the activity and category: higher for manual workers than office staff, because the risk differs. That's exactly why we compare several insurers — rates vary significantly.
How quickly do I get a quote?
For simple trades, first quotes within 24 business hours. For more complex files, usually within the week — 48h if you tick "urgent". We compare before sending, to position you against the market.
Can I be covered before hiring?
Cover can take effect at the earliest the day after the request for cover — not retroactively. State your desired start date and tick "urgent": we prioritise the file so cover starts in time.
Does it cover the commute?
Yes. It covers accidents at work as well as on the way to and from work (home ↔ workplace).
Self-employed or a director without staff?
Statutory cover concerns your employees — not you. To protect your own income after an accident or illness, other solutions exist.
We don't just do this
One broker for your whole business
Workplace accident insurance is just one brick. While you're reviewing your protection, it's worth looking at the rest — with the same reflex: independence, comparison, advice.
Professional liability
The damage your activity can cause to clients or third parties. Often an SME's real financial risk.
Learn more →Legal protection
A dispute with a client, supplier or the authorities? You're defended and the costs are covered.
Learn more →Employee benefits
Group insurance (pension), collective hospitalisation, business assistance: retain and protect your teams.
Learn more →Operating liability
Material and bodily damage caused to third parties during your operations, outside intellectual services.
Learn more →Business all-risk
Your premises, equipment and stock: fire, water damage, theft… the foundation of your business assets.
Learn more →…and the rest
Vehicle fleet, director's income protection, supplementary pension: we cover all your needs.
See all →
Free, no-obligation quote
Request your workplace accident quote
A complete form = a quote without a phone call. We launch the comparison and get back to you quickly with our market study.