If you run your own business without employees, you can sign an insurance agreement with Fora. As long as you do not hire any employees, you only pay the base premium and do not need to report pay. Through the insurance agreement, you are covered by the Work injury insurance (TFA).

Find out why reporting pay and premiums is so important, why it must be done on time, and how the reporting differs for manual workers, non-manual workers, and business owners.

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.

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.

The insurance agreement that a company signs with Fora is a complete package of collectively agreed insurances. However, the contents of this package will vary for manual workers, non-manual workers and company owners. 

The insurance agreement that a company signs with Fora is a complete package of collectively agreed insurances. However, the contents of this package will vary for manual workers, non-manual workers and company owners. 

Fora is switching to monthly management of collectively agreed insurances. The transition from annual to monthly procedures will take place in stages. Payrolls that are paid out in 2023 will be reported as usual in January 2024. Thereafter, the payrolls of manual workers are to be reported monthly.

Här finns de blanketter och e-tjänster som företag kan behöva för att teckna eller administrera försäkringsavtalet med Fora.

Every year, your employer pays a premium into your occupational pension. It is called Avtalspension SAF-LO, Collective pension insurance and is a pension that you receive in addition to your basic state pension.

It is very important that you differentiate between manual workers, non-manual workers and the self-employed. Categorising errors have consequences for both pensions and insurance cover. Please note that the managing director/CEO can be a non-manual worker, manual worker or self-employed.