Employees

Collective agreement accidents

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What makes this accident insurance for workers different

This collective accident insurance for employees allows companies to comply with the obligations set out in the labour agreement that may link them to their employees, guaranteeing payment of economic compensation to workers in the event of workplace accidents.

Adapted to your company

We automatically adjust the insurance coverage and limits that correspond to what is required by the sector agreement to which the company belongs.

Always up-to-date

We update this accident insurance based on the changes that are contributed to the labour agreement and published in the official gazettes.

Easy to take out

The innominate policy insures all the employees in the RNT contribution group (formerly TC2) of the Spanish Social Security Institute (TGSS).

Categories of Collective accident agreement

The Sector collective bargaining agreement accidents policy protects your workers in the event of an accident and guarantees your company's compliance with the obligations related to work accidents included in labour agreements and the commitments assumed by the company itself.

The company collective bargaining agreement accidents policy protects your workers in the event of an accident and guarantees your company's compliance with the obligations included in labour agreements and the commitments assumed by the company itself. It includes voluntary benefits that improve on those provided by the Social Security Institute.

What does accident insurance for employees cover?

If one of your company's employees dies due to an accident, their beneficiaries will receive the compensation stipulated in the agreement.

The worker will be compensated according to the collective agreement, if the accident causes permanent absolute or severe disability.

For occupational diseases, we offer four different coverages that you can take out independently:

Death.
Absolute permanent disability.
Total permanent disability.
Severe disability.

To protect employees in the event of an accident, we have four coverages:

Healthcare.
Hospitalisation.
Temporary disability.
Total permanent disability.

Three coverages that can be taken out independently of each other and that guarantee the payment of the capital contracted in the event that a traffic accident resulting in:

Death.
Permanent disability.
Total disability.

In the event of natural death, funeral expenses will be included when taking out this coverage.

FAQs

Because it is the best way to ensure that your company complies with the legal requirements regarding work-related accidents established in the sector agreement that is applicable to your company.

In collective agreements, in addition to being covered for death or permanent disability due to workplace accidents, many more obligations are also included, such as occupational diseases, non-work-related accidents, death due to natural causes, death benefits, funeral expenses, partial disability, non-disabling injuries or death due to a traffic accident.

If you wish, you can extend the benefits established in the agreement to offer your workers extra protection.

FAQs

Collective agreement accidents

What makes this accident insurance for workers different

Adapted to your company

Always up-to-date

Easy to take out

Categories of Collective accident agreement

Sector Collective Bargaining Agreement Accidents

Company Collective Bargaining Agreement Accidents

What does accident insurance for employees cover?

Death of employee due to accident

Permanent absolute or severe disability as the result of an accident

Occupational illness/disease

Employee accidents

Traffic accident

Natural death/funeral expenses

FAQs

Why take out a bargaining agreement Accident policy?

What does a labour agreement include?

Can the provisions established in the collective bargaining agreement be extended or does it mark a maximum limit?

Consult documentation

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