Insurance for your people
Voluntary UVG/LAA accident insurance
For people who are not covered by compulsory accident insurance, starting with the self-employed.
The essentials
Compulsory accident insurance protects employed people. Someone who is self-employed is not covered by it as such: they must organise their own accident cover.
Voluntary UVG/LAA insurance answers this situation. It should not be confused with supplementary insurance, which improves the benefits of compulsory cover already in place. First of all, the person's actual status must be established: employed, self-employed, or both at once.
The situations concerned
- You are starting a self-employed activity and are no longer covered by an employer.
- You have both an employed and a self-employed activity.
- Your status has been examined by a compensation fund or an insurer, and you need to draw the consequences.
- Family members work in the business without a clearly defined status.
- You run a company and do not know whether you are considered one of its employees.
How we support you
- Clarifying your status under the social insurance system, based on your actual situation.
- Identifying the competent insurer and the options for voluntary cover.
- Choosing the insured earnings and benefits in line with your needs and your other insurance.
- Coordination with sickness daily allowance and pension cover, which often also need organising.
Before deciding
Points to examine
- 01Status: a company director may be an employee of the company and therefore already covered by compulsory UVG/LAA; this is not automatic in either direction.
- 02Dual status: the same person may be employed for one activity and self-employed for another, with separate covers.
- 03The insured earnings chosen and their effect on benefits in the event of an accident.
- 04The absence of cover during the transition period between two statuses.
How it works
How we move forward together
- Step 1
Listen
We start from your organisation: headcount, employment contracts, HR practice and situations you have already experienced.
- Step 2
Read what exists
We analyse your policies, general and specific conditions, as well as recent correspondence with insurers.
- Step 3
Clarify the options
You receive a readable summary of the gaps, the possible choices and their consequences for the business and its employees.
- Step 4
Put in place
We coordinate the steps with the insurers and help you inform your teams.
- Step 5
Follow up
Absences, changes, growth: we review the arrangements whenever the reality of the business changes.
Frequently asked questions
Your questions
What is the difference between voluntary and supplementary UVG/LAA insurance?
Voluntary UVG/LAA insurance allows a person who is not subject to compulsory insurance, typically a self-employed person, to insure themselves against accidents. Supplementary insurance, on the other hand, improves the benefits of existing compulsory cover, for example for the part of salary above the cap.
As a director, am I automatically self-employed?
No. Depending on the legal form of the business and your role, you may be an employee of your company and already covered by compulsory UVG/LAA. Status must be examined case by case.
I am employed and also have a self-employed activity on the side. Am I covered for both?
Not necessarily. Compulsory cover linked to employment does not automatically extend to the self-employed activity. This dual status must be analysed separately.
Is voluntary UVG/LAA insurance compulsory for the self-employed?
No, it is a choice. But without suitable accident cover, the financial consequences of an accident fall on the person themselves; health insurance does not cover loss of income.
Who decides my status?
Status under the social insurance system is assessed by the competent bodies according to the actual circumstances of the activity. We help you gather the relevant elements and draw the consequences for your insurance.
Related services
Useful resources
References
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.