Broader description · occupational diseases · run-off
WEGAS XL: the extended employee cover through Turien & Co
The XL variant widens the description of covered situations. The gain lies in the cases where your liability is uncertain but you still want to be able to compensate an employee's loss.
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Deze pagina in het Nederlands: WEGAS XL: de uitgebreide werknemersdekking via Turien & Co.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
With injury to staff, the discussion is rarely about whether someone has suffered a loss, but about who bears it. Article 7:658 of the Dutch Civil Code links that to your duty of care, and that duty is strict: the employer must show that they took the required measures. Even so, accidents remain for which there is no liability and where the employee is left with permanent loss of income. The broader variant is intended to absorb precisely those cases.
What an extended variant adds exactly differs from one set of conditions to another. Think of situations outside the actual work, such as a staff outing, a team day or a training course, of working from home, and of a broader description of the group of insured persons. So always ask for the text and not for a summary: the added value of XL cover lies in the sentences that stretch the words 'while carrying out work'.
Turien & Co Assuradeuren provides this cover as an authorised agent under its own conditions. The policy schedule states who carries the risk. Finass Advies compares several insurers objectively and assesses whether the loading compared with the basic variant adds anything in your situation. The difference between the forms of cover is explained on WEGAS and WEGAM, with background under WEGAS and WEGAM insurance.
This page deals with one situation. The full overview is on WEGAS and WEGAM: what is the difference?.
Where the extended variant makes the difference
Four points on which broader cover proves itself, or disappoints.
Occupational diseases and the timeline of a claim
Hearing damage, back complaints and conditions caused by exposure to substances come to light years later. What matters then is whether the policy takes the moment of exposure or the moment of notification as its trigger, and whether prior and run-off cover has been arranged. Without run-off cover your protection stops on the end date, while the claim comes in afterwards.
Working from home and activities away from the workplace
If staff regularly work from home or at changing locations, the question of how far your duty of care reaches is not theoretical. A broader description includes those situations, but does require you to declare them with your application. Circumstances that are not reported can, under Articles 7:928 and 7:930 of the Dutch Civil Code affect the payout.
Even a broad policy has strict limits
Outside the cover are intent and wilful recklessness on the part of the employee, damage to property such as damaged equipment or own damage to a vehicle, and illnesses with no connection to the work. Exposure to asbestos is excluded almost everywhere, as are fines and penalty payments. Those are a punishment and not compensation for loss.
Avoid double and conflicting cover
An extended employee cover can overlap with the employer's liability section on your public and employers' liability insurance and with a collective accident cover. Overlap costs premium without paying out, because concurrent insurance clauses determine which policy takes precedence. Have the three texts assessed together before you add another one.
What does your premium depend on?
- Scope of the covered situations: the breadth of the description determines the loading
- Wage bill and workforce size: the basis for calculating the premium
- Risk profile of the roles: work with machinery, at height or with hazardous substances weighs heavily
- Retroactive and run-off cover: occupational diseases with a long latency period cost extra
- Sum insured and excess: per event and per insurance year
- Prevention policy and risk inventory (RI&E): an up-to-date risk inventory feeds through into acceptance
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | WEGAS | WEGAS XL |
|---|---|---|
| A technician is injured in a rear-end collision in the company van | Yes | Yes |
| An employee is killed on their bicycle on the way to a training course | Provided that | Yes |
| An employee breaks their wrist during the annual staff outing | No | Yes |
| An employee working from home falls down the stairs at home during working hours | No | Provided that |
| Hearing damage that comes to light twenty years after the employment ended | Provided that | Provided that |
| An employee helps a client outside working hours on their own initiative and is injured | No | Provided that |
The loading only pays for itself in accidents where your liability is doubtful and you still want to compensate the employee.
Frequently asked questions
This is what people ask us most.
What does XL add over the standard cover?
Mainly breadth in the description of covered situations and sometimes in the group of insured persons. Because companies give their own interpretation to that, the product name is not a reliable yardstick. Ask for the conditions of both variants and compare the definitions. That is where the differences lie, not in the brochure text or in the premium.
Does this policy also cover the loss of a self-employed professional working for me?
Only if that group is included in the insured group. It is relevant, though, that your duty of care extends under Article 7:658(4) of the Dutch Civil Code to people who carry out work for you outside an employment contract. So you can be liable for someone who is not on your payroll. Have that expressly arranged, including where you mainly work with regular subcontractors.
What happens to old claims if I end the policy?
That depends on the basis of cover. If the policy is running at the time of the event, a claim reported later usually remains covered. If the policy works on a claims-made basis, a run-off period is needed to remain protected after the end date. Arrange that when you give notice and not afterwards, because run-off cover can rarely be bought later.
Does a payment from an accident insurance count?
Usually yes. An indemnity insurance compensates the actual loss, and other payments the employee receives for the same accident are deducted from it. That follows the principle that insurance does not provide a gain, as Article 7:960 of the Dutch Civil Code puts it. A fixed-sum insurance is not always set off; look at the concurrent insurance provision for that.
Read more
Within Wegas wegam verzekering
- Wegas wegam verzekeringthe main page
- Turien co zakelijk werkgeversaansprakelijkheidsverzekering wegas werkgeversaansprakelijkheid
- WEGAS employee injury insurance through Hienfeld
- Traffic accident insurance for employees through a.s.r.
- Vereende werkgeversaansprakelijkheidsverzekering wegam verzekering
- De goudse zakelijk verkeersschadeverzekering voor medewerkers
- Employees' accident and damage insurance
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