Your accidents-at-work insurance, fast and compliant.
Compulsory from your first employee. Five minutes of form, no documents to attach. Urgent? First quotes on the next working day. Note: cover starts on the day after you take out the policy at the earliest, never the same day.
Free, no obligation, and no cross-selling of other products.
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5 minto fill in the request, with no documents to attach.
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1 working dayfirst quotes the next day, if the urgency is real.
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1 to 2 weeksthe ideal timing when there is no rush: insurers sharpen their terms, and you gain.
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Day 1 minimumcover can never start the same day: the next day at the earliest.
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+40partner insurers, put in competition on your trade.
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4 officesCiney, Dinant, Eghezée and Brussels.
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100 %independent: no insurer behind us.
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4,9/5 ★★★★★from 64 Google reviews left by our clients.
How the rule works, in practice
The Act of 10 April 1971 requires every employer, whether self-employed with staff, a company or a non-profit, to insure workers against accidents at work. A point often missed: registering with the national social security office (ONSS) does not cover this risk. It is a separate policy, also known as assurance loi.
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01
The starting point
The obligation arises from the first day of employment, for every member of staff: full-time, part-time, student.
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02
Checks are automated
Where there is no cover, a warning letter follows quickly, often within days of the lack of insurance being recorded.
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03
Compulsory affiliation
Fedris, the federal agency for occupational risks, then affiliates the employer automatically and claims a contribution. It is not a premium: it is a fine, calculated on the length of time uninsured and the number of workers.
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What to remember
The only point that matters: take out cover before the first day of employment. Everything else in the procedure concerns only those who did not.
Getting compliant takes little time when it is properly prepared. Fill in the form once, we handle putting the market in competition, and you quickly receive cover ready to start on the date you want.
- ✓ Cover from the day after you take out the policy at the earliest
- ✓ Express handling for genuine emergencies
- ✓ One contact for every insurer
What statutory cover includes
Your workers are protected during work and on the journey to and from work, whatever their contract.
- ✓ Medical costs. Treatment, hospital care and rehabilitation linked to the accident.
- ✓ Incapacity for work. Benefits in the event of temporary or permanent absence.
- ✓ Journey to work. The journey from home to the workplace is included.
- ✓ Death. A lump sum and a pension for dependants.
- ✓ Excess-of-statutory cover, optional. To cover the part of the salary above the statutory ceiling.
- ✓ Annual adjustment. The premium is adjusted to your actual payroll each year.
Statutory cover concerns your employees, not you. To protect your own income in the event of accident or illness, other solutions apply: income protection, personal accident cover.
Two limits in the law, two options to close them
Statutory cover does the legal minimum, and does it well. But it stops at an amount and at a perimeter. Here is where, and what exists to go further.
A limit on the amount
The benefit is calculated on salary, but capped. Above €58,096.10 a year (2026 ceiling), the excess part is not compensated.
compensated
- Compensated by statutory cover
- Part not compensated
Two gross annual salaries compared, against the 2026 statutory ceiling.
It takes on the part of pay above the ceiling. Useful as soon as you employ managers or well-paid profiles: without it, the gap between the benefit and the real salary falls on them.
A limit on the perimeter
Cover applies during work and on the journey to and from work. The rest of the day, and the weekend, are outside it.
time
to work
to work
time
- Covered : the journey there, the working day, the journey back.
- Not covered: the rest of the day, evenings, weekends and holidays.
Proportions are illustrative: cover follows actual journeys and working hours.
It covers accidents outside working life. A valued fringe benefit, and often cheaper than a pay rise for a comparable felt effect.
How the premium is calculated
Three elements, no more. Understanding the mechanism lets you judge a quote instead of comparing two bare figures.
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01 · The baseGross payroll
All gross annual salaries of your staff, capped per worker.
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02 · The rateThe actual activity
Not the NACE code: what your teams actually do. A roofer and an accountant do not carry the same risk.
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03 · The categoryBlue collar or white collar
The rate is higher for manual work than for desk work, at equal activity.
The premium is provisional: it is adjusted each year to your actual payroll, reported through the social security crossroads bank (BCSS). So you do not pay for staff you no longer have, and our form warns you if excess-of-statutory cover becomes worthwhile.
Two businesses with the same NACE code can pay very different rates. Each insurer has its preferred trades, and prices in a margin for those it knows less well. Hence the value of approaching those that genuinely cover yours.
Independent broker: we work for you
No insurer holds a stake in the firm and no sales targets are imposed on us. We approach several insurers, compare rates and terms, and show you where you stand against the market.
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Genuine competition
We approach the insurers relevant to your activity and compare rates, limits and service. You see where you stand.
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Fast without sacrificing the comparison
We do not send a single quote just to look responsive, but we do not wait for every insurer either: you receive provisional results as soon as they are solid.
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One contact over time
Taking out the policy, the annual payroll adjustment, reporting a claim: we remain your single point of contact, year after year.
From your request to cover
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01
You fill in the form
The form below, in five minutes, with no supporting documents to attach.
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02
We put the market in competition
From the next working day we approach the insurers suited to your trade and analyse their responses.
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You receive the quotes
On the next working day if the urgency is real. Otherwise one to two weeks: insurers refine their terms, and you gain.
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We advise and we place the cover
We explain the differences, you choose, and cover takes effect on the day after you take out the policy at the earliest.
4.9 out of 5, from 64 Google reviews
“A broker who takes the time to explain and answers quickly. You genuinely feel advised.”
Extracts pending Google synchronisation: the real reviews appear automatically online.
Five minutes is enough if you have these to hand. Nothing else is needed at this stage: no policy to scan, no official document to request.
- → Your company number (BCE).
- → Your actual activity, in one sentence.
- → The hiring date or the start date you want.
- → The number of people per category.
- → The gross annual payroll per category.
- → The name of your previous insurer, if any.
The employer
Start date
Your history
The staff to insure
Per category, the number of people and the gross annual payroll, all salaries combined. Totals are calculated automatically.
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Working patternFast if needed, well if possible
In an emergency we reply on the next working day. Otherwise we give insurers time to refine: you are the one who gains.
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No cold callingOne subject only
We answer you on accidents at work. We will not call you back to sell you something else.
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No obligationA free study
You receive the quotes, you decide. No file charges, no obligation to buy, and your data is used for nothing else.
You are probably asking these questions
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Is it really compulsory?
Yes, from your first employee. The Act of 10 April 1971 requires every employer to insure staff against accidents at work, from the first day of employment. Registering with the national social security office does not cover this risk: it is a separate policy, statutory accident cover.
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From how many employees?
From one. The obligation applies to every member of staff, whatever the contract: full-time, part-time, student.
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What happens if I am not insured?
Checks are automated: a warning letter quickly follows the absence of cover, then Fedris carries out a compulsory affiliation. The contribution claimed is not a premium but a fine, based on how long you were uninsured and the number of workers. In the event of an uninsured accident, the employer may also have to compensate the victim personally.
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How much does it cost?
The premium is a rate applied to the gross annual payroll, capped at €58,096.10 per worker in 2026. The rate depends on the activity and the category: higher for manual workers than for office staff, because the risk differs. That is exactly why we compare several insurers: rates vary appreciably from one to another.
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How quickly do I get a quote?
It depends on your deadline. If the urgency is real, we obtain first quotes on the next working day. Without urgency, allow one to two weeks: that is the ideal timing, because insurers then have the time to study your activity and come back with better terms. Either way, we compare before passing anything on.
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Can I be covered from tomorrow?
Sometimes, but it is not guaranteed. Cover can never start the same day: it takes effect on the day after you take out the policy at the earliest. In practice, if you contact us today during office hours and the file is complete, a start tomorrow remains possible. Late in the day, in the evening or at the weekend, it will be the day after next at the earliest. Hence the value of telling us as soon as a hire is on the horizon.
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Does going through a broker cost more?
No. Our remuneration is already included in the premium, exactly as when you buy direct from an insurer. The difference is that we compare for you rather than sell you a single catalogue.
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What if I already have a policy elsewhere?
We read it before proposing anything. If your rate is already good, we say so: statutory accident cover can in any case only be cancelled at the annual renewal date, and we handle the deadlines if you decide to switch.
A hire in sight? Tell us beforehand.
The obligation arises from the first day of employment, and cover can only start the day after the policy is taken out. One day's notice is therefore enough, but it is needed: start the request as soon as the date takes shape.