If occupational safety incentive

For small clients, the company´s occupational safety standards are taken account in the premiums for workers´compensation insurance. Small clients are those subject to tariff rates. If takes account of this in the form o​f a so-called occupational safety incentive. The amount of this incentive is based on the proof provided by the employer that occupational safety issues are in order. Such proof is provided in response to questions put by the insurance company.​​​​​


All serious occupational accidents result in an official investigation. In such a case, it is important that the employer can prove that occupational safety issues have been considered in advance, and any dangers at the workplace identified. Incentive questions guide the employer towards meet the minimum requirements specified in Occupational Safety and Health Act (738/2002) and Decrees.

Further information is provided below for all three incentive questions, alongside instructions on what to do if further measures are required in relation to any issues.

Question 1. Has a written clarification of the hazards and risk factors related to the work been made and kept up to date?

The employer must systematically and adequately analyse the hazards and risk factors caused by the work (Occupational Safety and Health Act 738/2002). This obligation concerns all employers. A documented clarification of risk factors in work has many times been a reason for an employer judged not guilty of an occupational safety crime in connection with a serious occupational accident.

Additional information can be found at:

Question 2. Have you nominated the compulsory occupational safety officers and representatives and notified the Centre for Occupational Safety about these?

Each employer must appoint a representative (occupational safety officer) to cooperate in occupational safety and health matters in the workplace, unless the employer itself handles such duties (Act on Occupational Safety and Health Enforcement and Cooperation on Occupational Safety and Health at Workplaces 44/2006).

At workplaces where at least ten employees work regularly, from among themselves the employees shall choose an occupational safety and health representative and two vice representatives, to represent them in occupational health and safety matters. An occupational safety and health representative can also be selected at workplaces with fewer than ten employees.

The Register of Occupational Safety and Health Personnel (Act on a Register of Occupational Safety and Health Personnel 1039/2001) is a register of persons handling cooperation in occupational safety and health matters, maintained by the Centre for Occupational Safety (www.ttk.fi). In this Register, the contact information of occupational safety personnel are stored, based on reports by the employers (name, date of birth, first language, address, participation in occupational safety training, membership in trade union and other information concerning the person´s position and occupational safety activities). The persons reported in the register will receive useful occupation safety material free of charge.

Question 3. Has your personnel received occupational safety training during the last three years?

One of the most important obligations in the Occupational Safety and Health Act (738/2002) is for the employer to make sure that the employees´know-how is on a sufficient level. The management and supervisors play a key role in identifying occupational safety training needs at the workplace. Employers' statutory training obligations include organising training and introduction for new employees, providing information of the occupational safety obligations and training the employees for correct and safe use of tools and machinery.

Occupational safety training

For acceptable training, see the list below relating to question 3. The list is not exhaustive, but illustrative, and it aims to assist in answering the question.

  • Occupational safety card (www.tyoturvallisuuskortti.fi)
  • Safety passport (The Finnish Red Cross, www.redcross.fi)
  • Basic and advanced course in occupational safety (e.g. the Centre for Occupational Safety, www.ttk.fi and Institute of Occupational Health, www.ttl.fi)
  • First aid training (www.suomenensiapukoulutus.fi or www.redcross.fi)
  • Safe handling of a forklift truck
  • Training in safe driving for professional drivers
  • Occupational Safety and Health Act and Decrees
  • Occupational safety responsibilities
  • Use of a crane/passenger hoist
  • Training in machine safety
  • Chemical safety
  • Eletrical safety
  • High-structure work
  • Training in ergonomics
  • Training sessions organised by own personnel

Documentation on any training sessions organised should be saved in case of enquiries.