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.
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.
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.
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.
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.
Report the accident to us directly online using the form.