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Helvetia Unfallversicherung Hausangestellte

Accident insurance for domestic staff

Do you employ a home help, a cleaner, babysitter or gardener? If so you are considered to be an employer and are obliged to take out compulsory accident insurance for your domestic staff.
Take out insurance online now
Accidents on the way to and from work are insured
Treatment, daily allowance, disability pension included
Inexpensive annual premium just CHF 100
Occupational illnesses are included

Overview of accident insurance

Compulsory accident insurance in accordance with LAI insures your domestic staff and protects you against the financial consequences of an accident – unbureaucratically and immediately, with an inexpensive annual premium.

A brief explanation of accident insurance for domestic staff

Do I also have to insure my domestic staff against non-occupational accidents?

If your cleaner, nanny, gardener or other domestic staff work more than 8 hours a week, you are required by law to insure them against non-occupational accidents too.

Do I have to insure a neighbour’s daughter as a babysitter?

If the babysitter is not older than 25 and earns less than CHF 750 per year from you, the work is considered to be a pocket money job and the person does not have to be insured.

My cleaner works for a cleaning company. Do I still have to insure her?

In this case you are a customer of the cleaning company, and the cleaner is insured via her employer (cleaning company). You therefore do not have to insure your cleaner.

My cleaner had an accident while at work and is now receiving medical treatment. What do I have to do?

Report the accident to us directly online using the form.

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