Employment and social security

Missing or inadequate workplace accident insurance

Inspectors may question whether a policy existed, whether a particular employee was covered or whether the correct salary was declared. The relevant date must be checked against the policy period.

What to check in your case

We examine policy terms, premium receipts, any termination notices and, for variable-premium policies, payroll lists sent to the insurer. If an accident occurred, we distinguish the fine proceedings from compensation owed to the employee.

Documents for your defence

Full notice or decision, front and back, and evidence of the date of service.

  • Policy, policy schedule and premium receipt
  • Payroll lists sent to the insurer and coverage correspondence

Legislation and official sources

Information checked on 7 November 2026.