Accidents, occupational pension, sickness loss of earnings: key points for employers in hospitality.
Hospitality relies heavily on seasonal and part-time staff. This flexible organisation requires a firm grasp of insurance obligations to avoid unpleasant surprises in the event of absence or accident.
Accident insurance (UVG/LAA)
Employers must insure their employees against occupational accidents. Non-occupational accidents are covered from a certain number of weekly working hours – eight hours per week with the same employer. The cover should be matched to the reality of the contracts.
Occupational pension (BVG/LPP)
Affiliation depends in particular on annual salary and the duration of employment. Short-term engagements have special rules: a case-by-case check avoids gaps in cover as well as unnecessary affiliations.
Sickness daily allowance
This insurance is not generally required by law, but the national collective labour agreement for the hotel and restaurant industry (L-GAV/CCNT) sets requirements that must be met. Without suitable cover, the employer bears the salary risk itself in the event of prolonged absence.
Good practice
- Check that employment contracts, the collective agreement and policies are aligned.
- Have payroll statements checked at the start and end of the season.
- Set up a clear procedure for reporting absences and accidents.
This information is general: each property’s situation must be reviewed individually.
The information on this page is general in nature and does not replace personalised advice.