Go to content‍ Pohjola Insurance Workers’ compensation insurance Pohjola’s occupational accident and occupational disease insurance covers your employees in the event of accidents that happen at work or on the way to or from work. Leave a contact request to receive the price of statutory workers' compensation insurance. Y-tunnus Y-tunnus ei tiedossa Pyydä tarjous Statutory workers' compensation insurance is mandatory for employers All employees, whether in an employment or public service relationship and, by and large, partners and shareholders working for your company are covered on an obligatory basis by Occupational accidents and diseases insurance. High-quality treatment and fast recovery Pohjola Hospital and our other medical partners help us ensure a high standard of treatment and a fast recovery and return to work for employees together with their employer and occupational health care provider. Pohjola Health Advisor at your service If an accident occurs, your employee can call Pohjola’s Health Advisor who will assess their symptoms and refer them to the correct medical professional. Please call us or use the application’s chat feature. Additional benefits from free services When you take out workers’ compensation insurance from us, your employees are given A Digital insurance card and access to our Pohjola Risk Management Service. Our workers’ compensation insurance gives your employees statutory protection Workers’ compensation insurance is a form of statutory insurance that protects employees in the event of accidents or occupational diseases. As an employer, you need to take out insurance for any employees whose wages exceed EUR 1,300 per year. Employers’ duty to take out insurance is based on the Workers’ Compensation Act. The employees' group life insurance is administered together with the workers' compensation insurance. Workers’ compensation insurance is a form of mandatory insurance for the time spent at work, which protects your employees and their families. In addition to medical treatment expenses, the policy pays out, for example, a per-diem allowance for the period of disability and, in the case of permanent disability, a disability pension. Being injured at work or getting an occupational disease can lower your employee’s ability to work. Our insurance guarantees the best possible treatment for your employee through Pohjola Hospital or our other medical partners. We help your employee to get better and return to work with the aim of minimising the costs incurred by your business. Who is covered by workers’ compensation insurance? All of your employees and office holders as well as any partners and shareholders who work for your business must be covered by your workers’ compensation insurance policy. If you are an entrepreneur, you are not required by law to take out occupational accident and occupational disease insurance. If you have a self-employed person’s pension insurance policy, you can insure your operations with Self-employed person's accident insurance. A family member living with you and working as an employee in your company is covered by the statutory occupational accident and occupational disease insurance. If they are not in an employment relationship, they can take out a Health Insurance policy meant for a private individual. The obligation to insure concerns not only companies, but also households and private persons, however, only if the wages paid by or agreed for payment by the employer total no more than EUR 1,300 during the calendar year. What is covered by the employer’s statutory workers' compensation insurance? The statutory workers’ compensation insurance taken out by the employer for their employees covers accidental injury sustained by an employee at work, on their way to/from work, or in circumstances arising from employment. The workers' compensation insurance covers, for example medical treatment expenses and costs of diagnostic tests travel expenses relating to medical treatment per-diem allowances for the period of disability disability pensions in the event of a permanent disability handicap benefits in the event of a permanent injury rehabilitation expenses and survivors’ pensions. The insurance also covers occupational diseases. The most common types of occupational disease are hearing impairment, respiratory allergies, skin and asbestos-related diseases, and strain injuries to the upper limbs. Please note that, in the context of remote work, our workers’ compensation insurance only covers work-related activities, and any accidents that occur during breaks or meals are not covered. To extend the cover, you can choose remote worker’s insurance or broader leisure-time accident insurance. For employers, it is worth extending the coverage of workers' compensation insurance to leisure time and remote work When work is done remotely instead of at the workplace, the cover of statutory workers' compensation insurance taken out by the employer becomes more limited. Only events directly related to work tasks are compensated under this insurance as loss events. For example, losses incurred during breaks and mealtimes on a remote working day are not usually compensated. Most employees’ absences are due to illness or injuries sustained outside of work. In order to ensure the fastest recovery time for employees who are injured outside working hours or during remote work, it is worth extending their insurance cover by taking out remote work insurance or leisure-time accident insurance cover, for example. As an employer, you can extend workers' compensation insurance to also cover leisure-time. There are three optional covers for this: Our most extensive leisure-time accident insurance policy covers almost all activities outside of work, including sports and international travel. Our limited leisure-time accident insurance policy does not cover injuries sustained in connection with the more high-risk sports, such as football or snowboarding. Our non-competitive sports insurance for leisure time only covers injuries sustained in the course of non-competitive sporting events sponsored by the employer. Alternatively, you can take out Group accident insurance to cover your staff outside of work. To protect against illness, we recommend that you take our Health insurance, which covers, for example, expenses incurred from tests and the treatment of illnesses. You can choose the most suitable package for your staff from our range of options. Learn more about voluntary Remote Workers’ Insurance and ask for a quote Learn more about insuring employees How is the premium for workers' compensation insurance determined? The price for statutory workers’ compensation insurance will be determined mainly on the basis of the total payroll and the employees’ job titles. The total payroll is used to measure the amount of work, and the job titles describe the risk of occupational accidents and diseases in that work. For example, work in an office environment involves a much smaller risk of accidents than work at a building site. The price of occupational accident insurance is determined individually on the basis of the policyholder’s details. In the smallest companies, their own accidents usually have no direct impact on insurance pricing, because the occupational risk used to calculate the premium is based on national claims statistics. For bigger employers, their own claims statistics are taken into consideration when determining the price rate of workers' compensation insurance. For more detailed price information on workers’ compensation insurance for your company, ask for an offer and our experts will contact you! Explore our other personal insurance products Remote workers' insurance Remote Workers’ Insurance covers accidents during the workday in remote work. Employees' Group Life Insurance Group Life Insurance is a life insurance policy taken out by employers for their employees on the basis of collective agreements. Entrepreneurs’ health insurance Covers entrepreneurs against illness and injury Digital insurance services at your disposal Group Life Insurance - cover for employees and next of kin Pohjola Risk Management Service improves safety at work Supplementing an occupational accident report Workers' compensation insurance, Product guides and terms The insurer is Pohjola Insurance. The losses will be covered in accordance with the law and the insurance terms and conditions. Go to top of page Customer service Give us feedback Use of cookies Service charges Call charges Electronic signature service Become OP's customer Secure transactions Use of OP eServices OP Media OP Koti (in Finnish) Pohjola Hospital Pohjola Claim Help facebook twitter linkedin instagram © OP Ryhmä BIC: OKOYFIHH Data protection Accessibility Terms of use Terms and conditions