Mandatory, sorted in minutes
Accident insurance for household staff (UVG)
If you employ household help, you must insure them against accidents. The quick answers: is it required, the cost, who pays, and how to handle it.
Required?
Yes, from the first wage
Your share
0.505% (~CHF 6/month)
Your effort
Minimal, we prepare everything
Who pays what?
0.505%
Occupational (BU)
Accidents at work and on the commute. Always required.
1.432%
Free time (NBU)
From 8 hrs/week, via wage deduction. Otherwise via their health insurance.
What does it cost you? Work it out.
Drag the slider past 8 hours to add the free-time accident, which the employed person pays.
You pay
CHF 6.06
per month · 0.505% of the wage
Less than 8 hours a week?
Then you only pay the occupational accident. Free-time accidents aren't covered through you, but through the employed person's health insurance.
Tipp: Ask them to check the accident cover with their health insurer, otherwise a free-time accident isn't insured.
Is it worth it? With vs without.
With insurance
- Full medical costs, no deductible
- 80% of the wage from day 3
- Pension for disability or death
Without insurance
- Substitute fund claims back up to 5 years of premiums
- You keep paying the wage, with no daily allowance
- Undeclared work: back-payment plus penalty
With Clino you're covered from the first wage — we handle the registration for you.
How you do it with Clino
Register
We prepare the accident insurance for you — depending on canton, via your compensation office (VAVplus) or directly with an insurer.
Clearly handled
No form-hunting — we tell you exactly what to do and what it costs.
Proof in the dashboard
The certificate is always available as a PDF.
In most cantons insured via Solida through your compensation office (VAVplus) — where that isn't possible, we connect you directly with an insurer.
How the cover is arranged
In most cantons, the mandatory accident insurance runs through the simplified procedure (VAVplus) of your compensation office, with SOLIDA Insurance AG as the insurer. In a handful of cantons VAVplus isn't (yet) available — there, Clino connects you directly with an insurer instead. Rates per VAVplus 2026. Clino earns no commission.
Hire cleanly, insurance included.
Contract, payslip, AHV registration and accident insurance — we prepare it all. CHF 19.90 per month, flat price.
Start for free →Frequently asked
Do I really have to insure my household help against accidents?
Yes. The moment you employ and pay someone at home, accident insurance (UVG) is legally mandatory. Clino sets it up for you — depending on canton, via your compensation office or directly with an insurer.
What does the accident insurance cost?
The occupational accident (BU, 0.505% of gross wage) is paid by you as the employer. From 8 hours per week the non-occupational accident (NBU, 1.432%) is added, paid by the employed person via a wage deduction. For CHF 1,200 monthly wage that is about CHF 6 per month for you.
What if my help works less than 8 hours?
Then you only insure the occupational accident. Free-time accidents must be covered through the accident cover in their health insurance, so check that briefly with them. Accidents on the commute still count as occupational even under 8 hours.
What happens if I insure no one?
If an accident happens, the substitute fund (Ersatzkasse UVG) steps in and claims back up to 5 years of premiums from you, double if deliberate. If you don't register at all, you also owe all contributions retroactively (plus 5% interest) and are liable to prosecution. Registering through Clino keeps you on the safe side.
What is VAVplus?
VAVplus is the simplified procedure through which, in most cantons, mandatory accident insurance for household staff runs directly via the compensation office, with no separate insurance contract — the premium is settled on the payslip. In a handful of cantons VAVplus isn't (yet) available, so you need a separate policy with an insurer, which Clino helps you arrange.
Does Clino earn from the insurance?
No. Clino is funded by the subscription (CHF 19.90 per month), not by the insurance premium. Clino earns no commission on the UVG cover.
Ready? First payslip in 5 minutes.
Start for free