As a general rule, workers' compensation insurance must be included in the business insurance when the wages you pay exceed 1400 euros per calendar year. The limit is employer-specific and all wages you pay during the same calendar year are added together. when you have work done in Finland. Workers' compensation insurance is mandatory insurance for employees of all ages and must be taken out before starting work. Workers' compensation can be either continuous or temporary, but it cannot be taken out afterwards. Workers' compensation insurance includes the employee group life insurance required by the collective agreements concerning your operations.