Insurance for death, accident and disability

Employers have a duty under collective agreements to insure their workers against death, permanent disability or temporary disability caused by an accident at work or on a normal journey from home to the place of work and from the place of work to home. The insurance is effective from the moment the insured worker begins his employment. The insurance is terminated at the moment the insured worker leaves his employment. If damage liability is established and the employer is liable for damages to his worker, a full deduction of the accident compensation and daily allowance must be made from the compensation the employer may have to pay his worker.