Fewer insured establishments, fewer claims, older injured workers
In 2025, Swiss accident insurance counted 170'067 insured establishments in private households employing staff. That is 16'132 or 8.7% fewer than the 186'199 of 2024, and the lowest count of the 10 years from 2016 to 2025. The count had peaked at 190'607 in 2022.
The insured work fell too. The estimated full time equivalents went from 33'858 to 30'653, down 9.5%, and the insured payroll from CHF 1’445.8 million to CHF 1’336.5 million, down 7.6%.
Newly registered, recognised claims for accidents at work and occupational diseases fell from 698 to 619, down 11.3%. That is the lowest count of the 10 years; the highest was 791 in 2022.
The people injured at work were older. Their average age rose from 46.2 in 2016 to 50.9 in 2025, 4.7 years more and the highest of the 10 years. Across all industries insured under the Federal Act on Accident Insurance (UVG), the ten year average was 38.7.
The figures come from the time series by industry of the collecting office for the statistics of accident insurance under the UVG (SSUV), for NOGA division 97, private households with employed persons, in the edition of 6 October 2026.
What the figures count
An insured establishment (Betriebsteil) is the unit of insurance of the statistics. One is formed for each risk unit of an employer, which is usually all of its employees together. The statistics do not count households, so the number of insured establishments is not the number of households that employ staff.
The number of insured people is not known directly, because an employer declares its insured payroll as a whole. The statistics estimate full time equivalents by dividing each employer's payroll by an average wage of the industry. The estimate can differ from the real number of people employed, and it moves with the payroll.
A claim is a recognised accident or, for accidents at work, a recognised occupational disease, counted in the year it was registered.
The statistics record no reasons for these changes, and this study gives none.
The claim risk stayed far below the average of all industries
The claim risk is the number of newly registered, recognised claims per 1'000 full time equivalents. In private households with staff it was 24 in 2016 and 20 in 2025. Its ten year average was 23, against 61 across all industries insured under the UVG. The statistics put its trend over the ten years at a fall of 11.5%, against a fall of 9.0% across all industries.
The statistics mark a change from the previous year as significant when it passes their test at the 5% level. The claim risk of 2025 carries no such mark; the falls in 2020 and 2024 do.
In 2025, the insurance compensated 22'882 days of absence after accidents at work in these households, or 0.75 days per full time equivalent, against a ten year average of 1.33 across all industries.
Accidents outside work
Accident insurance also covers accidents outside work for employees with non occupational accident insurance. In private households with staff, the establishments with this cover fell from 24'803 in 2016 to 19'777 in 2025, down 20.3%. In the last year alone they fell by 11.3%, from 22'297.
There were more recognised claims outside work than at work: 804 recognised claims in 2025, against 619 at work. The claim risk outside work was 26 per 1'000 full time equivalents, and the average age of the injured was 48.0.
The ten years in figures
| Year | Insured establishments, work | Full time equivalents | Claims at work | Claim risk at work | Average age of the injured at work | Insured establishments, outside work | Claims outside work |
|---|---|---|---|---|---|---|---|
| 2016 | 173'417 | 27'524 | 667 | 24 | 46.2 | 24'803 | 875 |
| 2017 | 175'699 | 29'268 | 693 | 24 | 47.3 | 24'975 | 882 |
| 2018 | 178'966 | 31'717 | 700 | 22 | 47.6 | 25'355 | 896 |
| 2019 | 181'450 | 30'498 | 740 | 24 | 48.9 | 25'545 | 928 |
| 2020 | 190'070 | 34'892 | 748 | 21 | 48.0 | 27'235 | 899 |
| 2021 | 189'361 | 32'119 | 763 | 24 | 48.5 | 26'554 | 946 |
| 2022 | 190'607 | 32'822 | 791 | 24 | 49.3 | 24'200 | 964 |
| 2023 | 188'547 | 32'851 | 759 | 23 | 49.7 | 23'242 | 883 |
| 2024 | 186'199 | 33'858 | 698 | 21 | 49.6 | 22'297 | 931 |
| 2025 | 170'067 | 30'653 | 619 | 20 | 50.9 | 19'777 | 804 |
Each figure, year by year
Insured establishments, work
170'067
2025
2016: 173'417
Insured establishments, work, 2025: 170'067
Source: SSUV, NOGA 97, all insured establishments, edition of 6 October 2026.
The household is the employer
These statistics count insured establishments, claims and days of absence. They do not show how a household arranges the work at home.
Accident insurance is part of employing someone at home. A household that pays a Helper is her employer, and it needs cover from the day the work starts.
Gilberto de la Fuente, Helpore
The household is always the employer. With Helpore Admin, Helpore takes out the accident insurance in the household's name. With Helpore Admin Light, the household takes out the cover and pays its insurer directly, while Helpore calculates the wage and the contributions and prepares the payslips. The guide explains accident insurance under the UVG.
Frequently asked questions
Is an insured establishment the same as a household?
No. An insured establishment (Betriebsteil) is the statistics' unit of insurance, formed per risk unit of an employer. The statistics do not count households.
Do fewer insured establishments mean fewer people work in households?
The statistics give no reason for the change. From 2024 to 2025, the insured establishments, the estimated full time equivalents and the insured payroll all fell.
Are the 2025 figures final?
No. Each edition recomputes earlier years, and the 2025 figures are new in the edition of 6 October 2026, so the next edition may revise them.
Who is the employer of a Helper?
The household. A household that employs a Helper is her employer and insures the work, with Helpore Admin, with Helpore Admin Light or on its own.
Method and limits
The source is the SSUV time series of accidents by industry (NOGA 2008), division 97, private households with employed persons, all insured establishments, version 2.01.00 of 6 October 2026. It covers occupational accidents and occupational diseases (BUV) and non occupational accidents (NBUV), for the years 2016 to 2025.
Each edition recomputes earlier years, because the statistics assign an employer to the industry it belonged to at the start of the latest year and carry that assignment back to every earlier year. The edition of 9 January 2026 gave 186'341 insured establishments for 2024; this edition gives 186'199. The 2025 figures are new in this edition and may change in the next.
A change in % is the later figure minus the earlier figure, divided by the earlier figure, rounded to one decimal. The ten year averages, the trends and the significance marks are the statistics' own: the average is the mean of the ten years shown, and the trend is the change in % of the regression value of 2025 against the base of 2016. The comparison is all industries insured under the UVG.
Full time equivalents are estimated from the payroll (estimation method of the statistics), so their change follows the payroll by construction. The claim risk outside work uses the same full time equivalents.
Sources
- SSUV, time series by industry, NOGA 97 private households with employed persons, occupational accidents (BUV), edition of 6 October 2026
- SSUV, time series by industry, NOGA 97 private households with employed persons, non occupational accidents (NBUV), edition of 6 October 2026
- SSUV, description of the time series by industry
- SSUV, factsheet on the estimate of full time equivalents