All current and future employees who receive a salary are covered by the insurances, regardless of their type of employment. The insurance agreement is signed for all employees; it is not possible to take out insurances for individual employees.
For manual workers, the insurance agreement provides comprehensive insurance cover, including an occupational pension.
Non-manual workers and company owners have insurance cover for accidents that occur at work.
Owners who are regarded as company owners also have some insurance cover. There are also optional insurances.