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The insurance agreement

Private companies that employ manual workers or non‑manual workers can sign an insurance agreement with Fora. For companies with a collective agreement, signing an insurance agreement is mandatory to meet the terms of the collective agreement. However, companies without a collective agreement can also sign an insurance agreement.

The insurance agreement covers all employees; it is not possible to take out insurance for individual employees. The cost of the agreement is based on employee pay. Pay for manual workers must be reported to Fora every month.

The insurance agreement applies to all current and future employees who receive pay, regardless of their type of employment.

Manual workers, non‑manual workers, and owners who are considered self‑employed are covered by different types of insurance. The insurance coverage included in the agreement also differs between companies with a collective agreement and those without one.

How it all works

Sign an insurance agreement

Avtals­pension SAF-LO, Collective pension insurance

Report manual workers’ pay every month

Report non-manual workers’ pay in January

Insurances included in the agreement

Costs

Invoicing

Cancellation of insurance agreement

Companies with collective agreement

To meet the terms of the collective agreement, the company is obliged to sign an insurance agreement through Fora.

Related information