Companies without collective agreements can take out insurances and occupational pensions for their employees via Fora.

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.

What the cost of the insurance contract will be depends on whether the employees are manual workers or non-manual workers and what their pay is.

How costs are calculated and information about invoicing and payments routines. What the cost of the insurance contract will be depends on whether the employees are manual workers or non-manual workers and what their pay is.

Companies with collective agreements are required to sign an insurance agreement via Fora.

Foreign companies with temporary operations in Sweden can sign insurance agreements with Fora.

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.

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.