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Old 18.05.2012, 13:07
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Cleaning lady and accident insurance

Dear All

I haven't found any information on this in the EF forums so am hoping someone can point me in the right direction. . .

We are considering hiring a cleaning lady for 1 to 2 days a month and she mentioned that other employers of her have taken out accident insurance for her. I assume this is to insure her in case she has an accident while working at someone else's home (although i thought this was covered by our RC??)

Does anyone know how this works?

Thanks in advance
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Old 18.05.2012, 14:10
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Re: Cleaning lady and accident insurance

My wife had a parttime job - 12 hours per week - and provided her own accident insurance, so I'm not convinced that for parttime low-hours work that it is mandatory on the employer. Some kind of liability insurance will be for sure. I'd talk to an insurance broker.
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Old 18.05.2012, 14:19
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Re: Cleaning lady and accident insurance

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My wife had a parttime job - 12 hours per week - and provided her own accident insurance, so I'm not convinced that for parttime low-hours work that it is mandatory on the employer. Some kind of liability insurance will be for sure. I'd talk to an insurance broker.
Above 8 hours a week it's an obligation of the employer to provide non work accident insurance, they can charge the employee upto 50% of the premium.
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Old 18.05.2012, 15:43
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Re: Cleaning lady and accident insurance

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We are considering hiring a cleaning lady for 1 to 2 days a month and she mentioned that other employers of her have taken out accident insurance for her. I assume this is to insure her in case she has an accident while working at someone else's home (although i thought this was covered by our RC??)
That is 100% correct - you must insure your employee for accidents when she is working for you. For only 1-2 days a month, you pay the accident insurance for the working time only. See other posts for the other thresholds...

You pay a nominal 100 CHF a year.

Ring your insurance company and tell them the situation. They'll send you the form. It's very easy and straight forward.
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Old 18.05.2012, 17:30
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Re: Cleaning lady and accident insurance

We employ a cleaner at our house and it was compulsory for us to take out Accident Insurance for her. The policy covers anyone who works in our house (cleaner, gardener, baby-sitter) provided they don't work more than eight hours a week for us, or earn more than CHF15'000 per year from us.

However, the employer is obliged to pay the premium of CHF 100 per insurance year. The premium may not be charged to the employee. (Source: Axa)

Does this help?
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Old 18.05.2012, 18:01
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Re: Cleaning lady and accident insurance

Sorry I'm getting confused now

I employ a babysitter for 6 hours a week and was under the impression that as long as it was under 8 hours we did not need accident insurance for her. Some postings on this thread seem to agree with this but others suggest we need accident insurance regardless of the number of hours.

Can someone please clarify for me - thank you.
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Old 18.05.2012, 18:08
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Re: Cleaning lady and accident insurance

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Sorry I'm getting confused now

I employ a babysitter for 6 hours a week and was under the impression that as long as it was under 8 hours we did not need accident insurance for her. Some postings on this thread seem to agree with this but others suggest we need accident insurance regardless of the number of hours.

Can someone please clarify for me - thank you.
You need insurance for when she is working, not insurance for her free time.
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Old 18.05.2012, 18:33
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Re: Cleaning lady and accident insurance

She does not need insurance at all since working hours are less than 8 per week.

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You need insurance for when she is working, not insurance for her free time.
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