A brief description of the collective insurances administrated by Fora. It´s a packaged deal but coverage vary depeding on whether the employer has a collective agreement or not, and if employees are manual workers or non-manual workers.

The total payroll for non-manual workers is reported once a year, in January. For CEOs and owners, the reporting depends on whether they are classified as manual workers, non-manual workers, or business owners.

The insurance agreement remains in effect even if the company no longer has any employees.