Personal accident insurance for companies

Cost compensation
Covers costs for care, medicines, travel costs, dental care and rehabilitation.
Quick and easy help
We help you with compensation and handling of your case quickly.
No deductible
You never pay any deductible when an injury has occurred.

Personal accident insurance for companies

Personal accident insurance for companies gives you, your employees and visitors a comprehensive insurance coverage in the event of an accident.

It is not possible to predict an accident, but if it should occur, it is important to have insurance coverage. The person who is exposed then receives compensation for care, medicines, travel expenses, dental care, rehabilitation and compensation for permanent injuries and disability.

Watch the film about what applies at the home office

Insurance coverage	Included
The insurance covers compensation for care and medicine. You also receive compensation for the treatment of dental damage in the event of an accident.	Included
Compansation for travel expenses in correlation with care and treatment.	Included
Access to crisis therapy in case of traumatic events.	Included
You will receive economic compensation if you struggle with a loss of amenity after an accident. Doctors will assess your reduced body function calculated as a percentage. The compensation you receive is the percentage of the selected insurance amount. You pay no deductible.	Included

Add extra coverage	Extra coverage
Compensation for pain and suffering damages if the accident resulted in sick leave of at least 25% for more than 30 days during the injury's normal acute treatment and healing period. If the damage was severe, compensation can be provided regardless of the 30-day rule. The compensation is paid when the acute healing period has ended.	Included
You will receive compensation if you had an accident and injured yourself in that way that you lose your ability to work by at least 50%. The reduction in working capacity is assessed in relation to working capacity before the accident occurred. The compensation is paid when all possibilities for rehabilitation and work training have been investigated.	Not included
Reimburses costs for compansation claims in case of personal injury that the insured is entitled to, if the insured are exposed to intentional violence or threats of violence. The insured must then show that he/she is entitled to the compensation claim and that the perpetrator is unknown or cannot pay the compansation claim.	Included

Accidents when working from home

Recently, many of us have had to change the location from our offices to the kitchen tables and see our family members more than our colleagues during working hours. With our Personal accident insurance, employees can rest assured that they have coverage even when an accident occurs during working hours at home.

If you choose a personal accident insurance policy that also applies to the employees’ spare time, a sprain during the training session at lunch will also be covered.

Insurance coverage in the event of an accident

Personal accident insurance is important for everyone. It would be a shame if someone was injured at work without receiving any compensation. We offer tailored insurances for companies, associations, and organizations and provide good insurance coverage in the event of an accident.

Choose who to cover

When you choose to buy the insurance, you choose whether you want the insurance to apply to your employees, customers, visitors, or participants in any events your company organizes. It is also possible to adapt the insurance by choosing whether it is to apply during working hours, spare time, or for a fixed period. Our Personal accident insurance also applies when your employees work from home.

Crisis management as basic protection

You can choose to only buy a crisis management insurance. This means that if you are involved in a traumatic event, you get access to our crisis service around the clock. Here you can quickly get in touch with a licensed psychologist.

Tax rules and benefit tax

Company insurances can be affected by several tax rules. We have collected and summarized the main ones here, but note that the information is not comprehensive. For more detailed information, we refer to Skatteverket.

What about when it comes to benefit taxation?

An accident insurance can partly be covered by benefit tax. The part of the premium that derives from the employee's spair time shall be taxed on benefits, while the part that derives from the employee's working hours shall not be taxed on benefits.

This means:
Working hours = no benefit taxation.
Spair time = 100% of the price must be taxed on benefits.

For an employee who is insured during both working hours and their spair time, the premium shall be taxed on benefits in proportion to how much of it relates to the employee's spair time.

Tax-free compensation

Amounts paid out from the insurance are tax-free.

Deductible

The premium is deductible for the company.

Other insurances for you and your employees

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Personal accident insurance