The Swiss Federal Law on Accident Insurance Act (LAI) provides for mandatory accident insurance. Employers are required to provide cover for their employees. Accident insurance in accordance with LAI can be taken out with a private insurer approved for this purpose, for example Zurich, a health insurance company or the Federal Accident Insurance Institution (SUVA). The Federal Accident Insurance Institution has an accident insurance monopoly for certain occupational groups for those companies mentioned in Art. 66 LAI. The above-mentioned companies must therefore take out their LAI insurance with the Federal Accident Insurance Institution. Although accident insurance is mandatory, not everyone is subject to its protection. Details of assumption can be found in the answer to question 3 below.