It is possible to insure against the financial consequences of sickness. That includes not just loss-of-income insurance such as (private) occupational disability insurance, but also insurance taken out by employers. In response to the increasingly stringent sickness legislation, employers are increasingly passing on the risk of sickness and long-term occupational disability to insurers via sick-leave insurance, WGA supplementary insurance and own-risk bearer insurance. Collaboration with occupational health and safety services and rehabilitation agencies also plays an important role.