I employ domestic staff

Insurance for domestic staff or child carers

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.

Accident insurance

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 insure 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.

Insurance for domestic staff

Insurance cover against workplace and non-workplace 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