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
Zero, runs through payroll
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 the cover is active from the first wage, fully automatic.
How you do it with Clino
Register
We register the person with your compensation office. Enter the data once.
Premium via payroll
No separate contract, no extra invoice.
Proof in the dashboard
The certificate is always available as a PDF.
Insured by Solida via your compensation office, the federal government's official UVG solution (VAVplus).
How the cover is arranged
The mandatory accident insurance runs through the simplified procedure (VAVplus) of your compensation office, with SOLIDA Insurance AG as the insurer. Rates per VAVplus 2026. Clino earns no commission.
Hire cleanly, insurance included.
Contract, payslip, AHV registration and accident insurance, all automatic. 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 automatically with the registration.
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 mandatory accident insurance for household staff runs directly via the compensation office, with no separate insurance contract. The premium is settled on the payslip.
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