The UVG insurance coverage exists as long as open-ended employment relationships are recorded in your customer account and therefore corresponding insurance premiums are charged – regardless of whether wages are settled in one month or not.
Insurance premiums for the other insurance policies are only charged in the months in which the work performed by your employees is settled. In the case of sick pay insurance and household insurance, claims can only be submitted for periods during which work has been billed. Legal defence insurance is valid without interruption for the whole calendar year.
The insurance coverage of all insurance policies begins with the start date of the first employment contract recorded. If the start date of the first employment contract is in the past, the insurance coverage starts with the date of registration for the service. Please note that there is no retrospective insurance coverage.