Company insurance

What the law requires

• ✓State pension, disability and loss-of-earnings contributions, plus unemployment insurance, from the first salary paid.
• ✓Accident insurance, occupational and — beyond eight hours a week — non-occupational.
• ✓Occupational pension provision, once annual salary exceeds the entry threshold.
• ✓Maternity benefit, through the compensation offices.

What is not compulsory but counts

• ✓Professional liability: damage your activity causes third parties.
• ✓Sick-pay insurance: without it, a sick employee stays on your payroll under the applicable scale.
• ✓Property insurance: premises, machinery, stock, IT.
• ✓Corporate legal protection, for disputes with clients, suppliers and staff.
• ✓Cyber insurance, as soon as you hold client data.

The order to deal with them

The compulsory ones first, without which you are in breach and personally exposed. Then professional liability and sick-pay insurance, which cover the two scenarios capable of carrying off a small company. The rest follows, according to your trade.