Insurance
Freelancing means both great freedom and flexibility for you, but also personal responsibility for the protection and security of you, your family and, in some cases, your clients. That's why it's important that, regardless of whether you work full-time as a freelancer or only take on occasional assignments, you review and adapt your insurance cover based on the type of assignment, your life situation and your own situation.
At Worknode, we're freelancers ourselves so we know how important it is. That's why we have a good basic insurance for you when you invoice through us. We also offer the opportunity to get advice from skilled insurance specialists and of course you can buy insurance that we have adapted based on the needs we feel that freelancers have for themselves. Their family and belongings.
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When you choose Worknode as your self-employment platform, you get basic insurance coverage as part of Worknode's low fee. The insurance policies included are life, accident, travel and liability insurance.
The insurance applies to most types of assignments, but there are exceptions for example treatments of people, assignments that require certain licenses, such as certain craft assignments. If you are in the slightest unsure whether the insurance applies, contact us at support@worknode.se before performing the assignment.
The insurance is valid for the duration of your assignment. Here you can read more about our insurance policies and Worknode's general terms and conditions.
Your insurance
Comprehensive insurance
When you use Worknode to invoice your assignments, in most cases a basic insurance cover is included with liability, accident and business travel insurance.
Insurance cover is only available if damage occurred after You became a customer and accepted the general conditions of Worknode.
Our insurance solutions are developed by the insurance broker Hajpe together with the insurer IF.
General liability insurance including product liability, property damage and personal injury
Liability insurance provides cover for the financial consequences of property damage and personal injury caused by freelancers self-employed by Worknode as a result of negligence and/or recklessness in accordance with the general rules of tort law. The insurance also applies to financial consequential damage to compensable personal injury or property damage.
In the event of a claim for damages, the insurance company is liable:
- Investigate
- Negotiate
- Bringing an action
- Paying damages
The most common exceptions are:
- Representation or warranty
- Intentional, grossly negligent or foreseeable damage
- Damage caused by traffic
- Advisory activities only
- Asbestos and PCBs
- Several exceptions exist for particularly risky projects/contracts that require extension
If you are unsure whether the insurance covers your assignment or want to make a claim, this should be done immediately to support@worknode.se.
Accident insurance
Accidents are defined as "bodily injuries that you suffer involuntarily as a result of a sudden, external, involuntary event". Accident insurance includes compensation for medical care, medicines, travel expenses, dental treatment, rehabilitation and compensation for medical and economic disability. The insurance is valid during working hours, i.e. during the time the assignment is carried out and to and from work/assignment. The insurance is valid without deductible.
Medical, travel & dental expenses
Sum insured, maximum: SEK 25 000
Compensation is paid for necessary and reasonable expenses. These may include prescription medicines, aids, treatment, hospital care, etc. prescribed by a doctor to help the injury heal. Travel expenses refer to costs related to public health care. Chewing or biting injuries are not covered.
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Sum insured, maximum: SEK 10 000
- Clothing and normally worn belongings that are damaged in the accident. Personal belongings means belongings that a person normally carries with them. Ex: Glasses, wristwatch etc. Tools, cameras, laptops and the like are not included.
- Unavoidable additional costs incurred during the acute recovery period.
Crisis therapy
Sum insured, maximum: 10 treatments
The insurance provides crisis therapy with a licensed psychologist for an insured person who suffers an acute mental crisis, which has led to or threatens to lead to serious disability, and which is caused by a serious traumatic event.
Rehabilitation & assistive technology
Sum insured, maximum: SEK 40 000
If the accident leads to treatment by a doctor or dentist, IF provides compensation:
- Care and treatment referred to you by your doctor
- Work trials, job training and retraining
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Sum insured, maximum: SEK 400 000
Medical disability means a physical impairment caused by the accident and lasting for the future. The impairment must be objectively determinable. Permanent pain and loss of sensory function or internal organs are also considered medical disabilities. Clearly visible scars and other cosmetic defects resulting from accidents requiring medical treatment are also covered.
The insurance pays disability benefits for accidents that lead to measurable medical disability within three years.
Deaths
Sum insured, maximum: SEK 40 000
Entitlement to compensation exists if the insured dies as a result of the accident within three years of the date of the accident. Paid to the estate.
Accident insurance covers many things but there are some exceptions
The insurance only covers accidents and not deliberately caused damage. Nor does it cover injuries related to dangerous activities. If you are working on something particularly risky, you must always notify us before you carry out the assignment, as this may require an additional contract/insurance.
Business travel insurance
We care about our self-employed workers and therefore always have extra protection so that they are not uninsured when traveling in connection with their work. The insurance is valid worldwide. Countries/places to which the Ministry of Foreign Affairs advises against travel require a supplementary agreement. In some cases, travel insurance also provides cover outside working hours, for example if you are forced to stay overnight in a hotel while working. Some selected parts:
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In the event of an accident or illness, the insured person must immediately
- Contact a doctor
- Following doctors' prescriptions
- Contact Worknode and then follow the instructions of the IF and Worknode.
Illness and accidents
Amount of insurance, max: Necessary & Reasonable
Reimbursement of medical expenses including the cost of repatriation, additional costs and the costs of travel to the insured person by relatives.
Travel breaks
Amounts insured, max: necessary & reasonable
Reimbursement of additional costs such as travel expenses if the insured person has to interrupt their trip prematurely due to illness, for example.
Cancellation insurance
Sum insured, max:
SEK 25 000
The insurance covers cancellation costs if a purchased non-rebookable ticket (trip/arrangement) is canceled due to compensable damage.
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Sum insured, maximum: SEK 30 000
If the insured is delayed on the scheduled departure or return journey, compensation will be paid for necessary and reasonable additional costs to arrive in time at the place of departure/return (e.g. airport or railway station) or to join the journey if the reason for the delay is that the public transport or private or hired car with which the insured is traveling to the starting point of the journey is delayed and the delay is due to weather conditions, technical failure, traffic accident or unforeseen traffic obstacle on the direct journey to the starting point.
Private responsibility
Sum insured, maximum: SEK 10 000 000
If you privately cause damage for which you may be liable.
Excess cover
Amounts insured, max: necessary & reasonable
Provides reimbursement for own or short-term rental of a car. In the case of short-term rental, the maximum amount is SEK 15 000
Baggage delay
Sum insured, maximum: SEK 6 000
Compensation may be paid if baggage is delayed on departure.
Medical costs
Amounts insured, max: necessary & reasonable
To referred health care facility by IF.
Medical disability
Sum insured, maximum: SEK 800 000
Deaths during business trips
Sum insured, maximum: SEK 400 000.
Take out additional insurance for you, your family and your belongings
As a freelancer, it is important that you are insured during your work. But have you thought about how you and your family are covered if you or your business is disrupted, or if you or a family member falls ill? We can help you! If you know what cover you want, take out insurance below. Do you need help? Contact our advice service.
Save for retirement - Worknode clients get free advice and no fixed fees through Pensure
When you are freelancing, whether full-time or part-time, it is very important to plan for retirement. We recommend that you start putting a portion of your salary into your pension savings from around the age of 25.
We have created the opportunity to set aside 2%, 4.5% or 10% of your salary directly on your salary in a secure pension savings via Pensure and SPP.
Everything you save for your pension has a lower tax rate, which means that the total value of your provision is slightly higher.
No fixed fees on pension management
Personal and digital advice included
Bringing all pensions together in one place
Savings level selection can be done directly in your account on Worknode (logged in mode)
Have you suffered an injury
Have you suffered an injury during your work and want to report it to the insurance company?