Accident insurance through Palkkaguru
Accident insurance is one of the most important safety nets there is while you work. Part of it is handled for you automatically; part of it is a choice you make on the price list.
Accident cover is included in the Smart and Responsible plans on the price list, and liability cover in Responsible only. The Basic plan has neither, and that is exactly what makes it the cheapest. That is the line you see on the price list.
The policy is underwritten by LähiTapiola and is a group policy that comes with the plan. There is no separate automatic layer underneath it. If you choose Basic, you have no accident cover through this service at all, and that is worth knowing before choosing on price.
The terms decide, not us
What the insurance covers
- The statutory duty is discharged. In Finland an employer must insure its workers against work accidents and occupational disease. We act as the employer and handle it.
- The risk moves to the insurer. The work accident risk is not left with you to carry.
- Wider cover with the package. The Smart and Responsible tiers include extended accident cover. Liability cover is a policy of its own and comes with Responsible only.
- The terms are readable. What the insurance covers and excludes is on its own page.
Tell us what you invoice, and we will work out which plan fits.
A free conversation, at our office or online. We go through whether light entrepreneurship makes sense in your situation, which plan works out cheapest for what you invoice, and whether you want the accident and liability cover. The conversation commits you to nothing.