Group accident and life
What your collective agreement requires, properly covered.
Many sector agreements require employers to insure their staff against accident and death for specific sums. Not having this cover is a risk in a labour inspection and, if a claim arises, a direct liability for the company. We review your agreement and set the exact sums insured.
- Sums insured
- As per agreement
- Cover
- 24 h
- Certificates
- Issued
What an agreement usually requires.
Applicable collective agreement
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Death by accident
A lump sum for the beneficiaries of an employee who dies in an accident, whether work-related or not, depending on the agreement.
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Disability permanent
A lump sum for total or absolute permanent disability or severe disability.
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24 h or work-only
The agreement determines whether cover is limited to work or applies 24 hours a day.
The specific sums insured depend on each agreement and its latest revision.
How we review your compliance.
We cross-check three documents: the text of the agreement, the staff census and the policy. The result is a certificate you can submit.
What our service includes.
All of the above is part of the broking service: it is not billed separately.
- Sums insured in line with the applicable collective agreement
- Accidental death and disability
- 24-hour cover, at work and away from it
- Up-to-date staff additions and removals
- Voluntary improvements on the agreement
- Certificates for the Labour Inspectorate
What we need.
With this information, we review compliance within a few days.
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Questions about group accident and life insurance.
What sum insured does my agreement require?
It varies by sector and is updated at each revision. We check it against the current text and adjust the policy, which is where mismatches usually appear.
What happens if I do not have it in place?
The company is directly liable for the lump sum to the employee or their heirs, as well as being exposed to an administrative penalty.
How are staff additions and removals handled?
You send us the changes and we process them; we issue the certificate for inspections ourselves.
Tell us your agreement and we will review it.
An adviser will call you during office hours to review sums insured and certificates.