In Belgium, every employer who employs staff must take out work accident insurance. It covers accidents that occur at work and on the way to or from work, and compensates medical costs as well as the employee’s loss of income.
LC Credins compares rates from licensed insurers so that your company complies with the law while keeping its payroll costs under control.
What this solution covers
- Accidents at the workplace
- Accidents on the way to or from work
- Medical, pharmaceutical and hospitalisation costs
- Temporary and permanent disability benefits
- Survivor’s pensions in case of the employee’s death
- Possible extensions for the self-employed company manager
Who is it for?
This insurance concerns all companies that employ at least one worker, from startups to SMEs. To calculate the premium, we ask for the annual gross payroll, the number of people employed and their role (blue-collar or administrative staff).
How we compare offers
As an independent digital broker, LC Credins is not tied to any insurer. For your work accident insurance, we put several offers side by side and compare them on objective criteria: scope of cover, insured amounts, deductibles, exclusions, waiting periods, claim-handling quality and total cost over time. You receive a simple, jargon-free summary with our reasoned recommendation. Our goal is twofold: to save you time and to help you achieve a real saving, without sacrificing the quality of your cover.
The process, step by step
1. Your request online
You fill in our quote form in a few minutes and attach your ID card and your current contract if you have one. No appointment is needed: everything is done online, at your own pace.
2. Analysis of your situation
An LC Credins advisor reviews your file, checks your actual needs, and contacts you if any information is missing. We only propose what is genuinely useful to you.
3. Comparing the offers
We approach several partner insurers and institutions, then compare cover, deductibles, exclusions and total cost — not just the advertised premium.
4. Signing and follow-up
You receive a clear recommendation, usually within 24 business hours. After signing, we remain your single point of contact for changes and claims.
Frequently asked questions
What happens if I don’t have insurance?
An uninsured employer is automatically affiliated with Fedris and must pay increased contributions, on top of possible penalties.
How is the premium calculated?
The premium is a percentage of the gross payroll, which varies by sector and type of role. A blue-collar worker generally presents a higher risk than an administrative employee.
Are student workers and temp staff covered?
Student workers must be declared under your contract. Temp workers are covered by the temp agency.
Is the company manager covered?
Not automatically if they are self-employed. We can add individual accident insurance for the manager.
Ready to save?
Free, no-obligation quote, reply within 24 business hours.