Both you as an employer and your employees run financial and other risks during work. These include occupational disability, accidents or sick leave. The Dutch local authorities protect employees with basic cover through social security schemes. As a maximum annual salary applies for the calculation of social security contributions, the protection for employees really is a minimum provision and employers have quite an extensive responsibility to pay for any damages and risks of their employees. As an employer, it is up to you to consider supplementary insurance for any additional risks or benefits.

Another major risk for employees in the Netherlands is to not accrue a supplementary pension, as the Dutch state pension is very low. This means that the supplementary employer pension should be a key component of your employee benefits package.

Based on good employment practices, employers in the Netherlands are easily held liable for losses and injuries suffered by their employees. This is the case if an insurance policy turns out to be inadequate for covering a loss event. It is also the case if an accident happens, irrespective of liability or whether the accident is considered to be work-related or not. These losses also include loss of income of the employees.