Illness and disability

It’s a scenario every employer knows: early in the morning, a phone call from an employee – “I’m sick and won’t be able to come to work today.”
A short absence is often manageable, but what if the illness lasts for several months – or even years?

As an employer in the Netherlands, you are legally required to continue paying at least 70% of an employee’s salary during the first two years of illness. But the financial responsibility doesn’t end there. If an (ex-)employee becomes partially disabled and enters the WGA (Return to Work for Partially Disabled Persons) scheme, you may remain financially liable for up to 10 years.

This means that long-term illness or disability can have a serious impact on your company’s financial health and continuity.

Why insurance is essential:

Covers salary continuation obligations during employee illness
Protects your business against long-term WGA liabilities
Ensures financial stability even in case of extended employee absence
Supports reintegration and sustainable employability

With tailored insurance solutions for illness and disability, you safeguard your company against unforeseen risks, while providing your employees with the security they deserve.

Disability

Disability Insurance ensures a steady income in the event that you become unable to work due to illness or injury. This coverage is essential for both entrepreneurs and employees, offering financial security when work is no longer possible.

Key Coverage Includes:

Income protection – guarantees an income replacement during periods of disability.

Flexible solutions – available in various forms tailored to the needs of business owners and employees.

Financial stability – helps cover ongoing personal and business expenses during long-term absence from work.

Peace of mind – reduces financial stress and supports continuity for you and your family.

With Disability Insurance, you safeguard your livelihood and ensure that unforeseen health issues do not jeopardize your financial future.

Secure your income and protect your business with Disability Insurance – comprehensive coverage for entrepreneurs and employees alike.

Sick Leave

As an employer, you may face situations where employees are unable to work due to illness or an accident. This can have a significant financial impact, as you are legally required to continue paying at least 70% of the gross salary of a sick employee during the first two years of absence.

With Sick Leave Insurance, you protect your business against these financial obligations. This coverage reimburses the salary payments you are legally required to make, ensuring that your company’s financial stability is not jeopardized by long-term employee absences.

Key Benefits:

Salary continuation coverage – compensation for mandatory wage payments during sickness or incapacity.

Financial protection – safeguards your company’s cash flow and reduces the burden of unforeseen costs.

Business continuity – helps maintain stability while managing employee absences.

Peace of mind – ensures compliance with legal obligations without compromising your financial position.

Safeguard your business and employees with Sick Leave Insurance – a smart solution to manage financial risks associated with employee illness and absence.

WGA Excess Risk

As an employer, you can apply with the Dutch Tax Authority to become a self-insurer for the Return to Work (Partially Disabled) Scheme (WGA). This means that for the first ten years, you are fully responsible for paying WGA benefits and managing the reintegration of your (former) employees who are partially disabled for work.

These obligations can place a heavy financial and administrative burden on your business. With WGA Excess Risk Insurance, you transfer this risk to the insurer. The policy covers WGA benefit payments and reintegration costs, ensuring compliance with legal obligations while safeguarding your company’s financial position.

Key Benefits:

Coverage of WGA benefit payments – financial protection for the first ten years of employer liability.

Reintegration support – coverage for costs related to helping employees return to work.

Risk transfer – limits the financial and operational impact of employee disability.

Peace of mind – ensures compliance with Dutch legislation without unexpected costs.

Protect your company from long-term financial liabilities with WGA Excess Risk Insurance – a reliable solution for employers who choose self-insurance.

WGA Gap

When an employee becomes partially disabled and, after 104 weeks of illness, receives a WGA benefit from the Dutch Employee Insurance Agency (UWV), this benefit often does not fully replace their income. In many cases, employees are left with a significant gap between their previous salary and their WGA benefit.

With WGA Gap Insurance, you ensure that your employees receive a supplementary payment on top of the WGA benefit, bringing their income back up to at least 70% of their original salary before they became ill.

Key Benefits:

Income security for employees – provides a financial safety net when WGA benefits are not sufficient.

Employee wellbeing – reduces financial stress during long-term illness or partial disability.

Attractive employer offering – strengthens your employee benefits package, supporting recruitment and retention.

Customizable coverage – tailored to your workforce and company policies.

By offering WGA Gap Insurance, you show your commitment to protecting your employees against financial hardship and provide peace of mind for both your staff and your business.

WIA Excess Insurance

If an employee becomes incapacitated for work, they may be entitled to a WIA benefit. However, this benefit is capped at the maximum WIA wage. For employees with a higher salary, this means that a significant portion of their income is not covered, creating a considerable financial gap.

With WIA Excess Insurance, you can ensure that your employees with incomes above the WIA ceiling receive a supplementary benefit. This coverage bridges the gap between their WIA entitlement and their actual pre-disability income, protecting them from substantial income loss.

Key Benefits:

Income protection for higher earners – ensures employees with salaries above the WIA maximum remain financially secure.

Employer attractiveness – an important part of a competitive employee benefits package for skilled professionals.

Financial peace of mind – reduces the risk of financial stress for employees and their families.

Tailored solutions – flexible coverage options adapted to your company’s workforce.

By offering WIA Excess Insurance, you demonstrate your commitment to employee wellbeing and provide vital financial security for your staff when it matters most.

Employer’s Liability for Work-Related Traffic Accidents

As an employer, you can be held liable if your employees are injured in a traffic accident while performing work-related activities. These incidents can have major financial consequences, both for your employees and for your business.

With a Wegam / Wegas Insurance, you are protected against the costs of damages or injuries your employees sustain in traffic during working hours. This ensures that your employees receive the compensation they are entitled to, while safeguarding your company from unexpected liabilities.

Key Coverage Includes:

Protection for employees injured in work-related traffic accidents

Coverage of medical expenses and compensation for damages

Financial protection for employers against liability claims

Suitable for all businesses with employees on the road

By arranging this insurance, you take care of your employees’ safety and financial security, while protecting your company from potential risks.

Accident

Accidents can happen at any time and often when least expected. An Accident Insurance provides financial protection for your employees and their families by paying out a one-time lump sum in the event of permanent disability or death caused by an accident.

Key Coverage Includes:

Lump sum payment in case of permanent disability due to an accident

Financial compensation to beneficiaries in the event of accidental death

Flexible coverage options tailored to your business needs

Provides peace of mind and financial security for both employers and employees

With Accident Insurance, you show your commitment to employee well-being while safeguarding against the financial consequences of unexpected accidents.

Illness and Disability

It’s a scenario every employer knows: early in the morning, a phone call from an employee – “I’m sick and won’t be able to come to work today.” A short absence is often manageable, but what if the illness lasts for several months – or even years?

This means that long-term illness or disability can have a serious impact on your company’s financial health and continuity.

Why insurance is essential:

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Covers salary continuation obligations during employee illness

Protects your business against long-term WGA liabilities

Ensures financial stability even in case of extended employee absence

Supports reintegration and sustainable employability

With tailored insurance solutions for illness and disability, you safeguard your company against unforeseen risks, while providing your employees with the security they deserve.

Get in Touch

It’s a scenario every employer knows: early in the morning, a phone call from an employee – “I’m sick and won’t be able to come to work today.”
A short absence is often manageable, but what if the illness lasts for several months – or even years?