Are your Summer Employees Covered? – Insurance for Seasonal Workers

Lön & HR | 19.06.2024

by Micheal Kersten Jones

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Summer is a time for sun, fun and insurance! Well, that’s not quite how the saying goes but during summer many employers choose to temporarily complement their workforce with seasonal workers to cover summer holidays or production peaks. But did you know that summer workers are at higher risk of accidental injury?  

With an increase in new workers comes a rise in risk, and it is important to ensure they are covered.


Regulated in collective agreements 

Some collective agreements pension solutions, such as ITP and SAF-LO, include insurance covering employees too young to earn occupational pension. It's important to make sure your summer workers are insured and in turn include them in reporting.  



Under the white-collar solution ITP, many of the insurances start from 18 years old providing protection from for example accidental death, work-related injury and long-term sickness via the insurances: 

  • TGL Group life insurance 
  • ITP sickness pension coverage  
  • TFA work-related injury cover  

This means that there’s a requirement to report all employees from 18 years old even though employees earn occupational pension from 25 years old. 



The SAF-LO agreement takes this a step further and requires employees to be reported from 13 years old and provides protection from similar risks as the ITP plan, via:  

  • TGL Group life insurance 
  • AGS group sickness plan  
  • TFA work-related injury cover  

With occupational pension being earned from 22 years old in 2024, reporting must be done for employees from 13 years old. 


Employers without collective agreements 

Even as an employer without a collective agreement it’s critical to consider the safety and wellbeing of your employees as well as how attractive you are as an employer if you do not currently provide these protections.  

Whatever the employer’s situation these insurances are a key component of most collective agreements and provide the most basic protection expected by all employees in Sweden but the administration of these solutions and coverage can be confusing.  

Here at Azets we can help you navigate the jungle that is insurance, collectively agreed or non-collectively, making the process easy and simple. If you as an employer have questions or would like support around collectively agreed insurances, you are welcome to contact us! 


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About Micheal Kersten Jones

Micheal Kersten Jones works at Azets as a Pension Specialist in our payroll department. He helps Azets' clients daily with topics related to pension and payroll.