Statutory accident insurance protects employees in the event of accidents at work, commuting accidents, and occupational illnesses.
It is financed exclusively by the employer and is not included in the monthly payroll – for good reason: there is no employee contribution, no salary deduction field, and a separate reporting procedure via the employers’ liability insurance association.
No wage deduction
The contributions are paid solely by the employer – therefore, there is no item on the pay slip.
Own reporting procedure
The notification is sent directly to the employers' liability insurance association using the UV notification procedure („Lohnnachweis Digital“).
Separate from payroll
Not part of the monthly billing cycle, but an annual contribution based on the total remuneration.
Employer
- Legal entity responsible for accident insurance
- Review and approval of reported company and employee data
- Payment of the contribution according to the BG notice (outside of payroll)
- Implementation of prevention and occupational safety
- Internal reporting of workplace and commuting accidents to payroll
FRADECO
- Registration of the company with the relevant employers' liability insurance association
- Maintenance and management of company and employee data in the payroll system
- Transmission of UV reports („Lohnnachweis Digital“)
- Technical coordination with the BG, error corrections, deadline monitoring
- Communication with the BG in case of queries
In short: The employer remains responsible—Payroll executes, BG assesses, employer pays.
Payroll reports
Digital wage statement to the relevant employers' liability insurance association
BG assessed
Annual contribution notice based on the reported remuneration amounts
Employer pays
Contribution directly to the BG (outside of payroll accounting)
Accidents at work and on the way to work, as well as recognized occupational diseases.
Because there is no employee contribution—the payment is made exclusively by the employer.
Only the employer. Employees do not contribute.
We take care of registration, data maintenance, UV notifications, and technical communication with the employers’ liability insurance association.
The annual report on digital wage statements must be submitted by February 16 of the following year.
Olena Bauerfeind
HR & Payroll Director
