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Occupational Accident and Desease Insurance
Your contribution rate for occupational accidents and deseases varies every year. Our teams can help you optimize these expenses.
The main risks associated with this product include all the physical and psychological pathologies that can occur in a professional context:
- Musculoskeletal disorders (MSD)
- Falls
- Fatal accidents
- Accidents involving exposure to blood (AES), (projections, cuts, etc.)
- Psychosocial risks (RPS)
- Occupational illnesses...
- etc.
To secure your company's results and preserve your cash flow, it is essential to cover yourself against the risks associated with your social liabilities and your legal defense by insuring your occupational accidents and illnesses contribution rate.
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.
Our clients
All types of companies in the retail, medical, transport and temporary employment sectors:
- VSEs
- SMEs
- Key accounts
Why choose Howden ?
Do you want to secure your company's results and preserve your cash flow? At Howden, our teams of experts are there to protect your social liabilities and defend you legally:
- Management: we offer you interactive management of your occupational injuries by facilitating the processing of your declarations, monitoring and controlling your deadlines, and thanks to our statistical analyses of your DUE, CSE and C2P reports.
- Legal support: we provide you with a specialist lawyer to advise and assist you with any reservations, disputes or appeals.
- Protection against accident and occupational disease rate increases: Howden covers your additional contributions and legal fees to protect you against accident and occupational disease rate increases.