Are your employees adequately insured? Both you and your employees run (financial) risks during work: in case of occupational disability, accidents, sick leave. The local authorities protect employees with basic cover based on social insurance. As an employer, it is up to you to consider supplementary insurance for any additional risks or benefits.

This is different in each country. For example: in the Netherlands, the supplementary employer pension is a key component of the employee benefits package; in Belgium this is covered by group insurance, and in the United Kingdom you are required to register the employees with a pension fund (auto-enrolment).

Based on good employment practices, the employer is easily held liable for losses and injuries with respect to your employees if an insurance policy turns out inadequate to cover a loss event. Or if an accident happens, irrespective of your liability or if the accident is classed as work-related. Losses also include loss of income of your employees.