Housing Staff

When you employ household help — like a cleaner, gardener, babysitter, or handyman — you’re not just hiring assistance. You’re taking on responsibility for their well-being in case of accidents. Domestic Staff Accident Insurance makes that responsibility simple and ensures peace of mind for both you and them.

What Does It Cover?

• Work accidents on-site or en route
  Covers medical and hospital expenses if your staff suffers an accident during their work or while traveling to and from your home.
• Compensation for injury or worse
  Provides payouts for temporary or permanent disability, loss of working capacity, or in the worst case, death.
• Inclusive of occasional helpers
  Protection for regularly contracted staff as well as casual helpers—without complicated administration.

Why You Need It

• Legal compliance where required
  If you employ household staff under a contract (even part-time or occasional), Belgian law requires you to have accident insurance. Independent contractors, who work on a self-employed basis, arrange their own cover.
• Strongly recommended in any case
  Even outside of legal obligations, this cover protects you and anyone helping around your home against unexpected costs and liability.
• Covers gaps other insurances miss
  Your family liability (BA familiale) insurance won’t cover work-related injuries. This policy bridges that gap.
• Simple, flexible protection
  A single policy can cover all your household staff — no need to list every person or update constantly.

Summary at a Glance: