Employers in the Netherlands, can be faced with disability issues of their employees. As an employer you can insure yourself against this risk with the Employee Insurance Agency (Uitvoeringsinstituut Werknemersverzekeringen, UWV). The employer can also choose to become a self-insurer (eigenrisicodrager, ERD). In that case, the employer will have to pay the benefits and costs of reintegration themselves.
Employers therefor can choose to bear the financial risk entirely on their own, or take out full (or partial) insurance with a private insurer.