Insuring domestic staff against accidents

Do you employ a domestic worker, a babysitter or a gardener? Under the law, you are his/her employer. You must insure the worker against accidents in accordance with the Federal Law on Accident Insurance (LAA/UVG). The type of coverage depends on the number of hours the person works for you each week and on the annual salary.
Beyond the threshold amount provided for by the Federal Law on Occupational Benefits (LPP/BVG), you must also take out occupational benefits insurance (2nd pillar) for the worker.

How many hours per week is your domestic worker employed in your home?

For fewer than eight hours per week for an annual salary of less than CHF 10,000, you are required to ensure him/her against workplace accidents only.
For more than eight hours per week: you are required to cover him/her against workplace and non-workplace accidents.

Useful to know

You must register your domestic worker with the compensation fund and pay the mandatory social security contributions on his/her salary. For help, please consult the following documents:
Domestic work (No. 2.06)
Simplified billing procedure
You are required to provide your worker with an annual salary certificate for the tax authorities.
Further information:
In several cantons, standard work contracts (CTT) provide for insurance against loss of income in the event of illness for persons employed in private households. Please check with the cantonal authorities of your canton of residence.

You can also find out more about the accident insurance we provide to domestic workers, and request an offer.

Accident insurance for domestic workers

Insurance cover against workplace and nonworkplace accidents
Reimbursement of healthcare and medical costs
Daily subsistence allowance of 80% of the loss of earnings, applicable from the third day following the accident
Disability and survivor’s pension
Impairment compensation and care allowance

More Details