Virtually any activity in life is inextricably linked to the risk , the chance that something can go wrong. The workplace, where employees focus a significant portion of our time, is no exception in this regard, especially in certain types of professional fields.
Unforeseen, as indicated by the word itself, they can not be guessed or eliminated its negative consequences, but it is feasible to anticipate covering arrival at their possible effects. It is in this scenario that presents itself as very important accident insurance companies , relevant when not only help the health of a particular business but above all, to contribute to peace and economic stability not only the employer , but also the workers who are part of a firm and even their families. Thus it is facilitating their involvement in the workplace, through greater motivation and fostering a better climate in the company.
Let's start by defining this type of insurance, which by its very nature is collective in nature: it is one that serves to protect employees of a business against the consequences of any such accidents. On the one hand ensures health care in case of accident to workers and the other is responsible for serious situations such as death or disability of any of them.
Expanding on this statement, we can roughly distinguish three types of hedges : by death (by accident, traffic accident, etc. being able to also include funeral expenses); by disability (permanent total, permanent partial, total for the development of professional activity, disability); or medical care (health care, hospitalization) always as a result of an accident in the workplace.
The agreement sends
With respect to this insurance area must also be noted that in case of hiring the employees seems imperative accident insurance agreement . Are governed by the collective agreement that has been signed, with your own toppings and specific compensation and the cost depends on several factors: the wages of workers, the number of persons working for a given company and, above all main activity that usually make the company.
And it is not the same work, for example, on a bench in a heavy machinery industry. The risk of accident is not the same, so it only makes sense that both businesses in very different-so immersed areas have an accident insurance similar characteristics. Every company needs a specific program that fits the particular conditions of their activities and coverage needs, so insurers offer adapted to the characteristics of each guild and depending on what determines the collective agreement in the industry products. Also, as stated above, the number of workers available to a certain company is a key factor in the final cost of hiring this type of policy.
Regarding responsibility for accidents that may occur, it always corresponds to the contracting companies, but do not have insurance this matter and whether they are the result of the error of a worker, a group of workers or the company itself.
At work and outside it
One thing must be clear when referring to the insurance accidents company is the fact that they do not have to be confined only to the workplace. In fact, several modalities exist, from which only cover professional activity -the accidents that may occur during the exercise of the profession as those that protect the incidents occurred in the private life of the insured, which take place during leisure, etc. in these cases is the company that decides to improve or extend coverage beyond what set their collective agreement, thus improving the conditions of their employees.
We must also mention that accident insurance relating to labor activity include commuting , which are all those events that occur during the movement of an employee from his home to his place of work and vice versa, moments in which each worker also has insurance protection in accident insurance policy contracted by the company.
Both coverages are not mutually exclusive, as another modality that presents this insurance is to cover 24 hours , regardless of whether the employee is working or not, so that protection would be all over every day of the year.
Unforeseen, as indicated by the word itself, they can not be guessed or eliminated its negative consequences, but it is feasible to anticipate covering arrival at their possible effects. It is in this scenario that presents itself as very important accident insurance companies , relevant when not only help the health of a particular business but above all, to contribute to peace and economic stability not only the employer , but also the workers who are part of a firm and even their families. Thus it is facilitating their involvement in the workplace, through greater motivation and fostering a better climate in the company.
Let's start by defining this type of insurance, which by its very nature is collective in nature: it is one that serves to protect employees of a business against the consequences of any such accidents. On the one hand ensures health care in case of accident to workers and the other is responsible for serious situations such as death or disability of any of them.
Expanding on this statement, we can roughly distinguish three types of hedges : by death (by accident, traffic accident, etc. being able to also include funeral expenses); by disability (permanent total, permanent partial, total for the development of professional activity, disability); or medical care (health care, hospitalization) always as a result of an accident in the workplace.
The agreement sends
With respect to this insurance area must also be noted that in case of hiring the employees seems imperative accident insurance agreement . Are governed by the collective agreement that has been signed, with your own toppings and specific compensation and the cost depends on several factors: the wages of workers, the number of persons working for a given company and, above all main activity that usually make the company.
And it is not the same work, for example, on a bench in a heavy machinery industry. The risk of accident is not the same, so it only makes sense that both businesses in very different-so immersed areas have an accident insurance similar characteristics. Every company needs a specific program that fits the particular conditions of their activities and coverage needs, so insurers offer adapted to the characteristics of each guild and depending on what determines the collective agreement in the industry products. Also, as stated above, the number of workers available to a certain company is a key factor in the final cost of hiring this type of policy.
Regarding responsibility for accidents that may occur, it always corresponds to the contracting companies, but do not have insurance this matter and whether they are the result of the error of a worker, a group of workers or the company itself.
At work and outside it
One thing must be clear when referring to the insurance accidents company is the fact that they do not have to be confined only to the workplace. In fact, several modalities exist, from which only cover professional activity -the accidents that may occur during the exercise of the profession as those that protect the incidents occurred in the private life of the insured, which take place during leisure, etc. in these cases is the company that decides to improve or extend coverage beyond what set their collective agreement, thus improving the conditions of their employees.
We must also mention that accident insurance relating to labor activity include commuting , which are all those events that occur during the movement of an employee from his home to his place of work and vice versa, moments in which each worker also has insurance protection in accident insurance policy contracted by the company.
Both coverages are not mutually exclusive, as another modality that presents this insurance is to cover 24 hours , regardless of whether the employee is working or not, so that protection would be all over every day of the year.