Accepting your responsibilities isn’t expensive: For just CHF 100 per year, you can insure your domestic staff, such as cleaners and gardeners, against accidents at work and on the way to and from work.
As soon as you use the services of a cleaner, gardener or babysitter, you are deemed to be an employer. You are therefore legally obligated to insure your domestic staff against accidents.
Peter the gardener falls over a hosepipe while cutting flowers and injures his foot. Following an X-ray, he receives the diagnosis from his doctor: a sprained ankle. He must rest for four weeks before resuming full-time work.
On cleaning a roof window, the cleaner Ursina falls off the ladder and lands with a blow to the head. In hospital, concussion is diagnosed. After a short stay in hospital and six weeks’ recuperation, Ursina can resume full-time work.
Michelle works as a nanny alongside her studies. One winter's day, she slips on an icy stairway on the way to work. She suffers an open fracture of the upper arm. Following operations and therapy, Michelle regains only limited use of her arm, and can only do office work.
It is intended for employees who work in private households, e.g. cleaners, household helps, babysitters and gardeners. Domestic staff who are provided through a company (e.g. a cleaning company) have to be insured by that company.
An exception has applied to so-called pocket-money jobs since January 1, 2015. Salaries up to CHF 750 per employee and calendar year are exempted from the insurance requirement – provided the employee is not older than 25 in that same calendar year and is not subject to social insurance contributions. If the employee suffers an accident or an occupational disease, the consequential costs are nonetheless covered. In such cases, the accident insurance (UVG) substitute fund levies a premium from the employer.
Insurance coverage commences on the direct way to work and ends on completion of the direct way home.
Your employees must live in Switzerland and have work permits. They must be older than 17 but younger than retirement age.
The salary per employee and year may not exceed CHF 21,150 and the total payroll for all your employees may not exceed CHF 56,400.