The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
In a kitchen and front-of-house team you work with permanent staff alongside on-call workers, seasonal workers and temporary contracts. Your insured wage bill is therefore not a fixed figure: you pay on the basis of an estimated annual wage and the insurer recalculates afterwards using your actual payroll returns. If you estimate too low, an additional assessment follows in exactly the season when you need the money.
The second point is that absence here is mostly short. Cuts, burns, stomach flu and back complaints after a busy weekend lead to sickness reports of days, not months. With a long waiting period you pay for all those cases yourself; with a short waiting period you pay for them through the premium.
If a temporary contract ends while someone is ill, your obligation to continue paying wages ends and the UWV takes over. Your policy stops at the same time.
What does sickness absence insurance cover for the hospitality sector?
The structure of the cover in three parts, with an overview per situation below.
Two years
Continued payment of wages
What you are legally required to continue paying.
First year one hundred per cent
Second year seventy per cent
A collective labour agreement may require more
The waiting period
Own retention
How many days you bear yourself.
Shorter is more expensive
Longer brings the premium down
Choose according to what you can bear
Optional
Support and case handling
Guidance with reintegration.
Case management
Gatekeeper Act monitoring
Risk of a wage sanction
What is covered
Situation
Conventional
Full-service option
Continued payment of wages during sickness
Yes
Yes
Guidance with reintegration
No
Yes
Risk of a wage sanction borne by the insurer
No
Yes
Occupational health services included
No
Sometimes
Cost of replacing a member of staff who is off sick
No
No
Sickness absence that already existed at inception
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
On-call workers: what are the wages you continue to pay?
With an on-call worker on a zero-hours contract it is not immediately clear what amount you must continue to pay during illness. Usually the average over the preceding period is used. That average is also exactly what the insurer pays. So keep a record of the hours worked per on-call worker. Without evidence of the average wage you will face discussion about the amount of the payment.
The contract ends, the illness does not
If a temporary contract or a seasonal contract ends while the employee is ill, your continued payment of wages stops and the Sickness Benefits Act takes over through the UWV. From that moment your sickness absence insurance pays nothing further. Report the illness on leaving employment to the UWV on the last working day. In the rush that report is often forgotten and it can cost you a fine.
Short-term absence determines the choice of waiting period here
The typical hospitality sickness report lasts from a few days to two weeks. If you choose a waiting period longer than that, almost all your absence falls outside the cover and you insure only the rare long-term case. That can be a deliberate choice. But do work out what a normal year of uncompensated sick days costs before you go for the lowest premium.
What falls outside the cover
Not covered are: absence that already existed when the policy started, hiring an agency worker or scheduling extra hours for colleagues, and loss of turnover because you keep the business open for shorter hours. Pregnancy and maternity leave is not illness. Incapacity for work that the employee has caused intentionally also falls outside the cover under Article 7:952 of the Dutch Civil Code.
What does your premium depend on?
Ratio of permanent staff to on-call and seasonal workers. A workforce with many short contracts gives a different absence pattern from a permanent team.
Estimated annual wage bill. You pay an advance based on an estimate. Afterwards an adjustment follows based on your actual payroll returns.
Share of kitchen versus front of house. Kitchen work involves more cuts and burns, front of house more strain on the back and legs.
Age profile. A young workforce reports sick for short periods more often and rarely for long periods.
Waiting period chosen. Decisive in this sector, because most absence is over again within a few days.
Sickness absence record. Insurers look at the number of reports per employee per year, not only at the percentage.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Yes, as long as they are on your payroll and you must continue to pay wages during illness. The payment is then calculated on the wages you actually owe, usually the average of the preceding period. Keep careful records of the hours worked, because you must be able to support that average with your payroll administration when you report a claim.
What if a temporary contract ends while someone is ill?
Your obligation to continue paying wages then ends on the end date and the UWV takes over the payment under the Sickness Benefits Act. Your sickness absence insurance pays nothing after that. You must report the sick employee to the UWV as sick on leaving employment by the last working day at the latest. If you forget, the UWV can impose a fine.
How does the premium deal with seasonal peaks?
During the year you pay an advance premium based on an estimated wage bill. Afterwards the insurer compares that estimate with your actual payroll returns and settles the difference. So in a good season you pay extra. Give a realistic estimate at the start, including the peak months, so that the additional assessment is not a surprise.
Is absence caused by an accident outside work also covered?
Yes. The insurance does not look at the cause of the incapacity for work, but at whether you must continue to pay wages. A broken ankle while playing football therefore gives the same cover as a cut in the kitchen. Only where the employee acted intentionally can the insurer refuse the payment.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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