Work accidents and insurance – your obligations as an employer
Foreign companies with employees posted in Denmark have certain obligations in relation to work accidents. It is, for example, compulsory to take out Workers’ Compensation insurance for your employees, and all work accidents must be reported.
As an employer of workers posted in Denmark, you are obliged to insure your employees against the financial consequences of work accidents. You do that by taking out and paying for a Workers’ Compensation insurance issued by an insurance company.
Your employees are automatically covered against the consequences of occupational diseases. You pay your contribution to the Labour Market Insurance and other mandatory employer contributions via Samlet Betaling (Combined Payments), which you receive from ATP (The Labour Market Supplementary Pension Scheme).
What is a work accident?
A work accident is a sudden event in connection with work that results in physical or psychological injury to a person.
A work accident can also be an injury caused by exposure that has lasted less than five days.
When is a work accident notifiable?
As an employer, you have a duty to report work accidents and cases of poisoning if:
• Your employee is unable to perform the usual work (incapacity to work) for at least one day in addition to the day of the accident.
• As a result of the accident, your employee is likely to qualify for benefits under the Danish Workers’ Compensation Act, e.g. compensation for permanent injury.
• Your employee is expected to be on sick leave for five weeks or more.
You must report the accident at the latest nine days from the first day of absence.
When an employer reports a work accident, the Worker’s Compensation insurer covers the costs involved. This means that the insurance company covers all the costs involved in the case. The insurance company also pays any damages and compensation.
How to report a work accident
Companies with a Danish business registration number (CVR) must report work accidents using the EASY electronic reporting system.
Report in EASY using your CVR number (in Danish)
(requires a Danish NemID)
Foreign service providers who have registered with the Register of Foreign Service Providers (RUT) can report work accidents in a separate part of the EASY program. In this case the company must enter its RUT number.
Report in EASY using your RUT number (in Danish)
Foreign companies that have neither a CVR nor an RUT number can report accidents by filling in a form.
Report by filling in a form (in English)
Reporting of occupational diseases
An occupational disease is a disease that is wholly or partially caused by short-term or long-term exposure at work. The Danish Workers’ Compensation Act defines the types of diseases that are accepted as being occupational diseases.
Employers are not obliged to report occupational diseases.
Employees who think they may have acquired an occupational disease can ask their doctor to report it. Doctors and dentists are obliged to report any diseases they suspect were caused by a patient’s work.
Deaths that may have been caused by a work accident or disease and deaths that occur in a workplace must be reported to the Labour Market Insurance within 48 hours.
Call tel. +45 20 42 63 97.
Work accidents resulting in death must also be reported in EASY.
Fines and demands for payment
If you are obliged to take out Workers’ Compensation insurance for your employees, and you fail to do so, you may incur a fine.
If you have failed to take out Workers’ Compensation insurance and one of your employees is injured, the Labour Market Insurance will make any payments on your behalf. You will subsequently be asked to refund the compensation paid to the injured party and the expenses incurred in connection with the case.
If you have a duty to report an accident and help the Labour Market Insurance investigate the matter, and you fail to do so, you may incur a fine.
The Danish Working Environment Authority monitors serious work accidents
If you report a serious work accident, the Danish Working Environment Authority may pay an inspection visit. The purpose of the visit is to ensure that you have taken the necessary precautions to prevent the accident from reoccurring.
1. The employee is injured and the injury is reported
When an employee is injured you as an employer are obliged to report the work accident if the accident means the employee is entitled to compensation under the Act on Workers' Compensation. This can include, for example, coverage of expenses for treatment, compensation for permanent injury and compensation for loss of earning capacity.
Occupational injuries must be reported through the electronic notification system, EASY.
Since July 1, 2010 it has been obligatory to make notifications electronically.
You may be fined if you fail to report an occupational accident.
Foreign employers who are not registered in the Danish Central Business Register (CVR) can request exemption from the obligation to notify electronically. The request for exemption is to be filed at the same time as the report at:
2. Labour Market Insurance process the case
As an employer you may be involved in processing the case as in some instances we may ask you to confirm some information. For example, that an employee has performed the duties described in the report.
As an employer, you are obliged to answer the questions you receive in relation to the case handling.
As an employer you are not usually a party to the employee's case and you do not therefore have the right of access to case documents.
3. Labour Market Insurance make a decision on recognition
When Labour Market Insurance send a decision to the employee, you as an employer will receive that part of the ruling that informs whether the injury is recognised as an industrial injury, i.e. whether the injury occurred because of the work or the conditions under which the work was carried out.
As an employer you have the option to appeal this part of the ruling.
As an employer you will not receive that part of the ruling that deals with any compensation and you cannot appeal any decision on compensation.
As an employer you have transferred the risk and liability to your insurance company in accordance with the Workers' Compensation Act. It is therefore the insurance company that is a party to the case and can appeal the ruling.
Contact Labour Market Insurance
Mondays 9 - 15
Tuesdays to Fridays 9 - 12
+45 72 20 60 00