Workers' compensation, also known as occupational accident insurance, is a mandatory insurance for companies, providing coverage for employees in case of accidents that occur during work and work-related commutes, as well as for occupational diseases caused by work.
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Workers' Compensation Insurance is a compulsory insurance that employers must take out for their employees. It covers work-related accidents, commuting accidents, and occupational diseases. The insurance is mandatory when annual wages for all employees in total exceed €1,500 (2026).
Who is covered?
Covers, among other things:
If ‘Spot On’ is a carefree, transparently priced workers' compensation insurance. With it, employees receive prompt medical care, and there are no unexpected costs for the company. We are also here to support you in improving workplace safety.
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Ensure the continuity of your business with statutory accident insurance.
An occupational accident is often an unexpected and sudden event caused by external factors, resulting in an employee's injury.
An occupational accident can happen at the workplace or on its premises, during the commute to or from work, or during work-related trips and errands.
With Workers' Compensation, you provide security for your employees in the event of both occupational accidents and occupational diseases.
An occupational disease refers to an illness primarily caused by physical, chemical, or biological factors present in the workplace. Typical factors causing occupational diseases include noise, vibrations, dust, chemicals, or gases.
The Employees’ Group Life Assurance is an insurance policy taken out by the employer for their employees. It is based on labor agreements and is taken out alongside the Workers' Compensation Insurance.
It is the employer's obligation to take out Workers' Compensation for all employees in an employment relationship when the salaries paid and agreed upon during the calendar year total more than 1,500 euros (2026). The sum is not per employee but the cumulative amount for the employer.
Please note that the obligation to provide coverage applies not only to businesses but also to households and private individuals acting as employers.
Workers' Compensation is a statutory insurance. Generally, it covers all employees in an employment or public-service relationship to the employer. The obligation to provide coverage applies also to households and private individuals when they act as employers.
Workers' Compensation is valid while working, within the workplace premises, and under conditions specified by law, even outside the workplace premises as regulated. Commuting to work and other travel related to work tasks are also covered by the insurance.
Workers' Compensation is also valid for remote work. However, there are limitations on the compensability of damages that employers and employees are often uncertain about. Workers' Compensation covers only activities directly related to work during remote work. Gaps in Workers' Compensation can be supplemented with optional insurance:
Workers' Compensation Insurance does not cover work performed for non-remunerative purposes. Such work can be insured against accidents with optional accident insurance.
When you have hired your first employee:
You can easily notify us about the new employee online or by contacting customer service. To establish the workers' compensation insurance, we need:
Please note that the insurance will take effect at the earliest from the moment we receive notification of the matter.
When you have hired a new employee:
New employees are automatically covered by the existing workers' compensation insurance. You don't need to separately report new employees unless you want to adjust the advance insurance premium to the correct level. Information about new employees will be taken into account when determining the final insurance premium.
If you wish, you can report the new advance payroll and occupational class to us online.
We retrieve payroll information (earnings payment data) from the Incomes Register whenever it is available. We will send a payroll declaration (earnings payment data report) to be filled out only when necessary.
Please make sure that the information stored in the Incomes Register is accurate. By doing so, you also ensure the correctness of the final insurance premium.
Read more about the Incomes Register on the Tax Administration's website.
If you receive a payroll declaration to fill out, please return it completed by the deadline specified in the declaration.
You can find instructions and report an occupational accident or disease, as well as apply for compensation on the claims pages.
Start a quote online or call us to talk to our insurance advisors. We will help you cover your business and employees.