Accident insurance is compulsory: the Federal Accident Insurance Act (UVG) requires all employers to insure their workforce against accidents. It also sets out the minimum benefits that are to be provided by this form of insurance. Offering additional benefits not only strengthens your protection, it also makes you more attractive as an employer.

Marie Arnold runs a young consulting company that has two employees. One of these, Kurt Fischer, is involved in a traffic accident on his way to work.  He is badly injured and taken immediately to hospital. Complicated knee surgery is followed by a long period of rehabilitation in hospital, with many sessions of physiotherapy.  Kurt Fischer is strongly advised to undergo special therapy at a rehabilitation clinic.

Fortunately, Marie Arnold has insured her employees well  and doesn't have to bear the consequences of the accident alone, so soon after setting up her own company.  Loss of income, outpatient treatment, hospital stay, medication and therapy:  Generali pays for it all. What’s more, thanks to the supplementary insurance that Marie Arnold has taken out, Generali pays a daily indemnity equal to 100% of the salary right from the very first day. The accident insurance has saved the company, which could never have borne all these costs on its own.