Wegas / Wegam Insurance - Essential coverage for employers and employees
Wegas / Wegam Insurance - Essential coverage for employers and employees
Employers have a legal duty of care for their employees. This means that if an employee is damaged during work or commuting , the employer can be held liable. A road axis (employer liability insurance for motor vehicles drivers) or WeGAM (employer liability insurance motor vehicles) offers protection against claims and financial risks.
A road axis or Wegam insurance covers the liability of employers if an employee suffers injury or damage during business journeys or commuting . Standard business liability often do not any coverage for this.
✔ Protection against personal injury of employees in traffic
✔ Coverage during business journeys and commuting
✔ Additional coverage on regular car insurance policies
✔ Prevents high damage claims for employers
With a road axis / Wegam insurance you prevent financial risks and you meet the legal duty of care as an employer.
We compare Wegas/wegam insurance Finass insures) with the best insurers, get the best and most affordable premium from us for Wegas/wegam insurance
Why is a road axle / Wegam insurance important?
An employee who is on the road for work or gets an accident during commuting can suffer personal injury. As an employer you can be held liable for this, even if the employee uses his own vehicle .
🔹 Regular car insurance policies only cover material damage, no personal injury
🔹 The employer can be held liable for employee's personal injury
🔹 without Wegam insurance, employers can pay for high damage claims
A road axis / wegam insurance prevents these costs from reducing it directly on the company and offers financial security.
What does a road axle / Wegam insurance cover?
A road axle / Wegam insurance offers extensive coverage at:
🚗 Accidents during business rides -with a company car or private vehicle
🏠 Personal injury during commuting -even if the employee uses his own car, motorcycle or bicycle
⚖ employer liability -prevents high damage claims in the event of personal reimbursements
💰 additional reimbursements -medical costs, income loss and Smart fee
This insurance is essential for companies that let employees drive for their work, even if they use their own vehicle .
Frequently asked questions about the Wegam and Wegas :
Road axle insurance is the abbreviation of employers' liability insurance . This road axle insurance is taken out as a supplement to the 'normal' business liability insurance . The Supreme Court previously ruled that road axle insurance is part of 'good employership'.
As an employer, you are liable if an employee is injured during working hours. This may involve injuries in the workplace, in traffic or during other work-related activities. The Wegas insurance reimburses the damage resulting from the liability claim.
With the WEGAM insurance (employer's liability for motor vehicles), you as an employer are insured against damage that your employees sustain during their work in the event of a traffic accident. If an employee suffers damage or injuries during a business trip, you as an employer can quickly be liable.
road axle is not mandatory , but the Supreme Court has ruled in a number of specific cases that the employer should have taken out insurance.
The WEGAM insurance only applies to motor vehicles. If your employees travel in traffic in a different way, for example by bicycle, WEGAS insurance applies.
With the WEGAM insurance (employer's liability for motor vehicles), you as an employer are insured against damage that your employees sustain during their work in the event of a traffic accident. If an employee suffers damage or injuries during a business trip, you as an employer can quickly be liable.
The WEGAM offers coverage for both property and personal damage suffered by the employee during a traffic accident during working hours. The insurer does not look at who is liable. This often allows for faster claims settlement.
For whom is a road axle / Wegam insurance intended?
A road axle / Wegam insurance is essential for:
🏢 Companies with business drivers and field service employees
🚚 Employers who send employees on the road (couriers, engineers, consultants)
👨50 in healthcare, construction, transport and logistics
🚗 Every employer with employees who use their own car or commercial vehicle for work
Without this insurance you, as an employer, run a financial risk in the event of traffic accidents of employees.
What does a road axle / Wegam insurance cost?
The premium of a road axle / Wegam insurance depends on:
💰 The number of employees and business drivers
💰 The type of company and risk profile
💰 The number of vehicles in the fleet
💰 chosen coverage and insurance conditions
The costs are on average between € 200 and € 1,000 per year , depending on the company size and risks.
Why choose a road axle / Wegam insurance?
✔ Legal protection for employers
✔ Prevents high damage claims in the event of a personal injury of employees
✔ Coverage for business journeys and commuting
✔ Essential supplement to business liability and car insurance policies
With a road axis / Wegam insurance you as an employer meet your duty of care and you protect your company against unexpected financial burdens.
As an employer, do you not want to run a risk of high damage claims due to personal injury to employees? Then choose a road axle / Wegam insurance and protect both your employees and your company.
Compare the best insurance policies now and request a quote immediately!
