Accident insurance for domestic workers online

Accident insurance for domestic workers. Keeping everything in order at home.

Attractive Premiums
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From weekly cleaner visits to occasional use of babysitters or gardeners – as soon as you employ somebody in your household in return for wages in Switzerland, you are deemed to be an employer. And that means that you have to insure your domestic workers against accidents. You can now take out compulsory accident insurance directly with us – it couldn’t be easier. 

  • Compulsory protection for your domestic workers
  • Also covers accidents on the way to work
  • Can be taken out easily online and terminated at any time
THIS IS INCLUDED
Accidents can happen in a flash. Your cleaner falls off a ladder while cleaning the windows and breaks her leg, or your gardener accidentally cuts himself rather than the roses, for example. For this reason, insurance against occupational accidents is compulsory for domestic workers in Switzerland. That includes accidents which happen during working hours and on the commute to work.
If your domestic workers spend more than eight hours per week working for you, you also have to insure them against accidents in their free time, i.e. non-occupational accidents.

Compulsory UVG accident insurance covers the following benefits:

  • Medical expenses: Medical treatment, hospital stays on a general ward, medicines.
  • Daily benefits: 80% of the insured earnings from the third day after the accident.
  • Disability pension: Up to 80% of the insured earnings, depending on the degree of disability.
  • Survivor’s pension: For widows, widowers and orphans in accordance with the statutory provisions.
  • Impairment allowance: One-off payment in the event of permanent physical or mental/intellectual impairment.
  • Care allowance: In the event of significant restriction to independence in daily life.
  • Transport and rescue costs: Costs of necessary transportation and rescue missions.

Ensuring that your domestic workers have the best possible cover in the event of an accident – and you are off the hook.

The accident insurance protects you against the financial consequences of accidents suffered by your domestic workers.
Whether it’s a babysitter, a cleaner or a dog walker – as soon as you employ someone, you are classed as an employer and have to take out compulsory insurance for your domestic workers.
You can insure all your employees with a single policy. Requirements are that each individual person works fewer than eight hours on average per week for you and that all your domestic workers together earn less than CHF 15,000 per year in total.
Regardless of how many workers you employ, the insurance always costs CHF 100 per year.
Compulsory accident insurance for domestic workers costs a flat rate of CHF 100 per year. If the worker is employed for more than eight hours per week, non-occupational accident insurance is also required – this premium depends on various factors and generally costs 1-3% of the gross salary.
Non-occupational accident insurance covers accidents that happen outside of working hours, e.g. in your employees’ free time, on their way back home from work or while they are on holiday. This type of insurance is compulsory if your domestic workers spend more than eight hours per week working for you.

Everyone who works in a private household in return for wages can be insured under the compulsory UVG accident insurance. This includes:

  • Cleaning staff
  • Childcare workers (nannies, babysitters)
  • Gardeners and property maintenance staff
  • Animal care providers (dog walkers)
  • Home helps with care duties (e.g. for older people)
No, if your cleaner is employed by a cleaning company, you are not classed as the employer and do not have to take out accident insurance for them.
You can do so easily online via our form. After you have taken out the policy, your domestic workers will be insured from the next day.
If your home help suffers an accident, you need to contact us immediately. The best way to do so is via our online form.
Whether it’s for feedback, advice or support, you will find our contact information here.
Want to know the exact details? All our documents are available here for you to download, save and read at your leisure.
A loss can happen in the blink of an eye. Thanks to our 24/7 claims service, you can report it quickly, too.
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