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Workers’ compensation insurance

As an employer you’re legally required to take out workers' compensation insurance for your employees. The insurance covers both full-time and part-time employees.

Image of a man working at a factory and using a jack
  • Cover the statutory requirements

  • Get a full summary in the online bank

  • No employer's national insurance contributions on the costs and they’re tax-deductible

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What does workers' compensation insurance cover?

  • Employee injury and illness that occurs during working hours and at the workplace
  • Settlement payment for permanent injury, for example loss of sight or hearing
  • Loss of capacity for work and income
  • Future expenses for health equipment beyond that covered by the National Insurance Scheme
  • Loss of income and expenses until the settlement date beyond that covered by the National Insurance Scheme
  • Disbursement to spouse or cohabitant in the event of death and extra disbursement if the employee has children

You can also insure your employees to a higher degree than required by law by extending the statutory coverages with higher sums insured and additional coverages.

Product information (IPID)

Workers’ compensation insurance (PDF, file.anchor.en.label)Open the file in a new tab

Not sure which insurance is suitable for your business?

Insurance can be difficult to navigate; we have put together some packages that can suit your business

See our packages here

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Other sickness insurance

Covers diseases that are not work-related, i.e. where Workers' Compensation Insurance does not apply. Examples of diseases covered include cancer, cardiovascular diseases and musculoskeletal disorders.

Read more about other sickness insurance

Leisure accident insurance

Expand the insurance scheme to include injuries that occur during leisure time. Leisure accident insurance applies if an accident or injury should occur during leisure time or travelling to or from work.

Read more about leisure accident insurance

Terms and conditions Personnel insurance

See terms and conditions

Workers’ compensation insurance FAQ

What is a taxable premium?

Premiums for statutory occupational injury are not taxable and employees don’t pay benefit tax. There are no employer's national insurance contributions on the costs and they’re tax-deductible. The coverages that are beyond the statutory requirement are a taxable benefit which must be reported by the employer via the salary and deduction statement for the individual employee and are subject to benefit tax. The employer will be sent the suggested tax-liable benefits for the individual insured party each year in November.

How can I report an injury via the online bank?

For quick, secure processing, we recommend that you report your injury online. Log in to the corporate internet bank and report the incident via our digital solution.

Where will I find invoices?

Invoices for personnel insurance can be found when logged in under electronic inbox. The invoice is issued 35 days prior to the due date/instalment.

Our personnel insurance

  • Workers’ compensation insurance

    Covers employee injury and illness

  • Travel insurance

    Peace of mind if something should happen while travelling

  • Leisure accident insurance

    Covers accidents or injuries that occur during leisure time

  • Group life insurance

    Provides a one-off payment to the bereaved on the death of an employee

  • Group accident insurance

    Peace of mind for your employees if they have an accident

  • Partnership protection insurance

    The insurance is a financial hedge against the partnership protection agreement

  • Key person insurance

    Disbursement if a key person dies or becomes incapacitated for work

  • Health insurance

    Ensures that employees of the company receive quick treatment

  • Sickness assessment insurance

    Employees receive disbursements for the first few years of the incapacity period

  • Income protection insurance

    Covers the company’s ongoing operating costs if you should become ill

  • Sick pay insurance

    Covers salary payments to employees on sick leave

  • Other sickness insurance

    Insures your employees even when the illness isn’t work related

  • Pension and insurance package

    The package that covers the statutory requirements

Provider of the insurance

The insurance is provided by DNB Livsforsikring AS.