Compulsory insurance of employees against accidents in the performance of their labour (official) duties
25 June 2011 Reading: 2 min Views: 9 745
Accidents cannot always be avoided even in an office environment, and in industry injuries are considerably more frequent. A group insurance contract will give you, in the Insurance Company, a reliable partner and ally in handling compensation payments to victims of industrial accidents.
The Insurance Company will protect your business if harm is caused to an employee's life or health in the performance of their labour (official) duties.
An insured event is an industrial accident resulting in the death or partial disability of an employee.
The insurance payout for harm related to an employee's death or injury is made in the amount of the harm caused, but not exceeding the sum insured established by the insurance contract.
The sum insured (the limit of insurance liability under the contract) is set by agreement of the parties, but must not be less than the annual payroll of all the Company's employees by staff category.
Insurance rates under the Law* are divided into 22 occupational risk classes depending on the type of economic activity and amount to (as a % of the sum insured):
| Occupational risk class | Insurance rate |
| 1 | 0,12% |
| 2 | 0,29% |
| 3 | 0,48% |
| 4 | 0,49% |
| 5 | 0,52% |
| 6 | 0,53% |
| 7 | 0,54% |
| 8 | 0,65% |
| 9 | 0,56% |
| 10 | 0,88% |
| 11 | 0,75% |
| 12 | 0,76% |
| 13 | 1,29% |
| 14 | 1,55% |
| 15 | 1,13% |
| 16 | 1,17% |
| 17 | 1,21% |
| 18 | 2,43% |
| 19 | 1,75% |
| 20 | 2,05% |
| 21 | 2,54% |
| 22 | 2,96% |
This insurance contract must be concluded within 10 calendar days of the company's formation or of hiring new employees.
The insurance premium depends on:
- the company's activities
- the size of the payroll
- the claims history
Insured event:
- determination of the degree of loss of the employee's occupational capacity for work
- occupational disease
- death of the employee
