Work-accident insurance for a housekeeper in Spain: is it included?
Work-accident cover is included in the Social Security contribution — no separate policy needed.
Quick answer: in Spain, work-accident and occupational-illness (AT/EP) cover for a housekeeper is included in the Social Security contribution the employer pays. You don't need a separate work-accident policy — registering and paying contributions is enough.
It's included in the contribution
When you register the worker in the Special System for Domestic Employees, the contribution includes AT/EP cover (employer-paid). If the worker has a work accident, they're covered by Social Security.
What's still useful
- Check your home / public-liability insurance for any damage at home.
- Keep the registration and contributions up to date.
Don't confuse the two
Undeclared work has no cover and exposes you legally in case of an accident. The golden rule: register.
Official sources
Conclusion
No separate work-accident policy needed: registration and contributions cover it. Just check your home insurance.
See also
- Hiring legally — the full framework.
- How much Social Security — how the contribution splits.
FAQ
Do I need a separate work-accident policy?
No. AT/EP cover is included in the Social Security contribution the employer pays.
What does home insurance cover then?
Damage at home and your public liability — separate from the worker's work-accident cover.
What if I don't register?
Undeclared work has no cover and exposes you legally if there's an accident. Always register.