Accident insurance and daily sickness allowance

As an employer, you must insure all employees against occupational accidents and occupational diseases. Anyone who works at least eight hours a week for you is also insured against non-occupational accidents. Depending on the industry, Suva is responsible; otherwise you choose the insurer freely.

Daily sickness allowance is at least as important: if an employee falls ill, you are obliged to continue paying their salary. Daily sickness allowance insurance takes over this risk. It is not required by law, but many collective labour agreements require it, and for small businesses a longer absence without insurance can become a threat to their existence.