For employers, the insurance agreement with Fora removes all uncertainty about which insurances and occupational pension your employees should have. Find out more about collectively agreed pension and insurances for companies within the private sector.

Fora helps companies and their employees to navigate their collectively agreed pension and insurance solution. Our smart and affordable services make working life more secure and society more sustainable.

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.

In the event of a restructuring, transfer or merger, the company taking over the business should submit an insurance application to sign a new insurance agreement to avoid any interruption between the insurance agreements.

Foreign companies with temporary operations are defined as operations which are intended to be conducted in Sweden for a period of no more than 12 months. The time period is counted from the date on which the company commences operations in Sweden.

Which insurances your company pays for will depend on whether you employ both manual workers and non-manual workers. The cost of the insurances included in the insurance agreement is a fixed per cent of your employees’ pay. Different insurances have different percentages and they vary from year to year.

Which insurances your company pays for will depend on whether you employ both manual workers and non-manual workers. The cost of the insurances included in the insurance agreement is a fixed per cent of your employees’ pay. Different insurances have different percentages and they vary from year to year.