Occupational Accident and Desease Insurance

Insurance contracts

Our insurance policies can cover the financial consequences of permanent disability equal to or greater than 10%, as well as death resulting from an industrial accident or occupational disease, thus protecting your cash flow.
Let's take the example of a company's employer's account for the 2024 financial year, where a victim of an accident at work has been awarded a permanent partial disability rate of 70%.

This claim will have an impact on the company's occupational accidents and illnesses contribution rates from 2026 to 2031, and even beyond. The excess premium generated by this claim may be covered by the insurer, depending on the terms and conditions of the insurance policy taken out (cover taken out, whether or not a contractual deductible applies, presence of other covered claims, etc.).

If you take out an insurance policy, the fees invoiced to you by a law firm in connection with a covered claim may be covered by the insurer up to the limit set by the insurance policy.

AT Facility service pack

AT FACILITY is a platform that enables you to declare work-related accidents and illnesses, while avoiding double entry on the company account. In fact, workplace accident declarations on the company account are made by submitting a structured flow, previously generated on the platform.
The platform also enables you to benefit from precise statistics concerning your workplace accidents, and to draw up, import and update your DUERP.

What's more, by choosing to use the AT-Facility platform, you can benefit from the legal and technical support of a specialized law firm, which will have access to your declarations and the documents you add to the files. In particular, the law firm can help you :

• drafting letters of reservation following a work accident declaration
• challenging the enforceability of a decision by the Caisse Primaire d'Assurance Maladie (CPAM) to cover an accident at work or an occupational disease,
• contesting the length of time off work prescribed following an accident at work or occupational disease
• contesting the permanent disability rate attributed to an employee who has suffered an accident at work or an occupational disease, which is enforceable against your company.