Insurance for your people
Accident insurance (UVG/LAA)
The compulsory foundation against occupational accidents, non-occupational accidents and occupational diseases.
The essentials
Compulsory accident insurance protects your employees in the event of an occupational accident, a non-occupational accident depending on working hours, and an occupational disease.
Depending on your activity, the competent insurer may be imposed by law or left to your choice. We help you see clearly and organise day-to-day administration.
The situations concerned
- Setting up a business or hiring for the first time.
- A change of activity that could alter the competent insurer or the risk classification.
- Recurring accident notifications that are hard to follow.
- Questions from employees about their rights after an accident.
How we support you
- Checking the competent insurer and the classification of your activities.
- Checking the salary declaration and staff categories.
- Simple organisation of accident notification and follow-up.
- Liaison with the insurer when a case becomes complicated.
Before deciding
Points to examine
- 01The classification of your activities in the insurer's tariff.
- 02Cover for non-occupational accidents depending on employees' working hours.
- 03The quality of salary declarations at year end.
- 04The link with any supplementary UVG/LAA cover.
How it works
How we move forward together
- Step 1
Listen
We start from your organisation: headcount, employment contracts, HR practice and situations you have already experienced.
- Step 2
Read what exists
We analyse your policies, general and specific conditions, as well as recent correspondence with insurers.
- Step 3
Clarify the options
You receive a readable summary of the gaps, the possible choices and their consequences for the business and its employees.
- Step 4
Put in place
We coordinate the steps with the insurers and help you inform your teams.
- Step 5
Follow up
Absences, changes, growth: we review the arrangements whenever the reality of the business changes.
Frequently asked questions
Your questions
Can my business choose its UVG/LAA insurer?
It depends on the activity. Certain sectors are compulsorily insured with Suva; other businesses choose an authorised insurer. We check your situation on the basis of your actual activity.
Are part-time employees covered for non-occupational accidents?
Cover for non-occupational accidents depends on weekly working hours with the employer, according to a threshold set by law and not by the contract. We check the situation of each category of employees with you.
What should we do right after an accident?
Inform the insurer as soon as possible using the prescribed notification, keep the relevant documents and stay in touch with the employee. We can help you set up a simple internal procedure.
Does UVG/LAA cover the full salary?
No, benefits are calculated on a capped insured salary and according to percentages set by law. Supplementary insurance, distinct from the voluntary UVG/LAA cover intended for the self-employed, can improve these benefits for employees.
How is the premium calculated?
It depends in particular on the declared payroll and on the business's risk classification. An unsuitable classification is worth examining with the insurer.
Related services
Useful resources
References
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.