Accident insurance
According to Article 30 of the Law on Occupational Safety and Health, an employer is obliged to insure his employees against accidents, while individuals can independently conclude a contract for this type of insurance.
Accident insurance for individuals is a crucial protection measure for both employers and individuals. Article 30 of the Law on Safety and Health at Work clearly stipulates that employers must insure their employees against accidents, while individuals also have the option to independently arrange this type of insurance. We help you choose the most suitable insurance that will meet all legal requirements and provide optimal protection.
What does accident insurance cover?
Accident insurance provides financial protection in cases where the insured person suffers a bodily injury, disability, or death due to an accident. This type of insurance covers:
- Medical costs – Covers the costs of treatment, rehabilitation, and other medical expenses incurred due to an accident.
- Disability – Provides a one-time or permanent financial compensation in the event of permanent disability resulting from an accident.
- Death – In the event of the insured’s death, the insurance provides financial compensation to the family or other beneficiaries.
Legal Obligation for Employers
Every employer in Montenegro is legally required to insure their employees against accidents that may occur at work or in connection with work. This insurance protects both workers and employers from the financial consequences that may arise from work-related accidents.
Benefits of Accident Insurance
Protection for employees
Accident insurance provides employees with the assurance that, in the event of an accident, they will have financial support for treatment and recovery, thereby increasing their satisfaction and loyalty to the employer.
Financial security for employers
Employers reduce the risk of potential large expenses that may arise from obligations to employees in the event of accidents.
How Bromar Helps in Choosing Insurance?
1. Analysis and Comparison of Offers
Bromar analyses and compares offers from different insurance companies to find the most favorable option that provides the best coverage for your specific needs.
2. Customizing Policies
We offer the ability to customise insurance to cover all relevant risks, responding to the specific requirements of employers and individual clients.
3. Expert Support
Our team is here to provide all the necessary information, answer questions, and assist in all steps of the insurance contracting process, ensuring that you receive the best possible service.
