Work-accident insurance for a housekeeper in France: is it included?
Work-accident cover is included in CESU contributions — no separate policy to buy.
Quick answer: for a job declared via CESU, work-accident and occupational-illness cover is included in the URSSAF contributions. You do not need a separate work-accident policy — declaring is enough.
It's included in the contributions
By declaring via CESU, you contribute for work accidents among other things. If your worker is injured on the job, they're covered by Social Security, with no extra insurance step from you.
What's still worth checking
- Your home / public-liability insurance for any damage at home.
- The sector provident scheme (IRCEM), which tops up the worker's protection.
Don't confuse the two
Undeclared work has no cover at all — and exposes you legally if there's an accident. The golden rule remains: declare.
Official sources
Conclusion
No separate work-accident policy needed: declaring via CESU covers the essentials. Just check your home insurance.
See also
- Hiring legally — the full framework.
- Worker rights — provident cover and protection.
FAQ
Do I need a separate work-accident policy?
No. For a CESU-declared job, work-accident cover is included in the URSSAF contributions.
What does home insurance cover then?
Damage at home and your public liability — separate from the worker's work-accident cover. Check your policy.
What if I don't declare?
Undeclared work has no cover and exposes you legally in case of an accident. Always declare.