Workers' compensation insurance

As an employer you’re legally required to take out workers' compensation insurance for your employees. The insurance covers both full-time and part-time employees.

Image of a man working at a factory and using a jack

Cover the statutory requirements
Get a full summary in the online bank
No employer's national insurance contributions on the costs and they’re tax-deductible

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What does workers' compensation insurance cover?

Employee injury and illness that occurs during working hours and at the workplace
Settlement payment for permanent injury, for example loss of sight or hearing
Loss of capacity for work and income
Future expenses for health equipment beyond that covered by the National Insurance Scheme
Loss of income and expenses until the settlement date beyond that covered by the National Insurance Scheme
Disbursement to spouse or cohabitant in the event of death and extra disbursement if the employee has children

You can also insure your employees to a higher degree than required by law by extending the statutory coverages with higher sums insured and additional coverages.

Product information (IPID)

Workers' compensation insurance (PDF)

Terms and conditions Personnel insurance

See terms and conditions

Other sickness insurance

Covers illnesses not caused by work, i.e. beyond the reaches of workers' compensation insurance. Examples of illnesses covered are cancer, cardiovascular diseases and stress disorders.

Read more about other sickness insurance

Leisure accident insurance

Expand the insurance scheme to include injuries that occur during leisure time. Leisure accident insurance applies if an accident or injury occurs during leisure time or travelling to or from work.

Read more about leisure accident insurance

Workers’ compensation insurance FAQ

What is a taxable premium?

Premiums for statutory occupational injury are not taxable and employees don’t pay benefit tax. There are no employer's national insurance contributions on the costs and they’re tax-deductible. The coverages that are beyond the statutory requirement are a taxable benefit which must be reported by the employer via the salary and deduction statement for the individual employee and are subject to benefit tax. The employer will be sent the suggested tax-liable benefits for the individual insured party each year in November.

Where will I find invoices?

How can I report an injury via the online bank?

How can I report an injury without access to the online bank?

In order to help you we need to know what has happened. If you don’t have access to the online bank, you can report the injury by printing out the form below and sending it to us.

1. Fill out the form that best fits the incident you wish to report:

Accident report (PDF, Norwegian)

Death report (PDF, Norwegian)

Death report, Continuation insurance (PDF, Norwegian)

Incapacity for work/illness report (PDF, Norwegian)

Incapacity for work report, Continuation insurance (PDF, Norwegian)

Loss of medical certificate/license report (PDF, Norwegian)

Child accident report (PDF, Norwegian)

2. The completed form should be sent by regular post to:

DNB Livsforsikring AS
PO Box 7500
5020 Bergen