Financial security

The type of insurance you require is determined by your business and needs. It is important to remember that your home insurance is not valid for your business.

Most insurance companies have designed packages for new business starts and small enterprises. Contact insurance companies, insurance brokers or banks for more information. If you belong to an industry association, there may be special insurance offers for members.

There are different types of insurance that may be relevant to you as an entrepreneur. You can read more about them on our insurance page.

Insurance for your business

You can find out from the Swedish Federation of Unemployment Insurance Funds (SO) what unemployment insurance fund you belong to.

Go to the Swedish Federation of Unemployment Insurance Funds

As an entrepreneur you have the same right to the social insurance system as employees. This means you are entitled to sickness benefit, parental benefit, pension etc. However there are some differences.

Your sickness benefit and parental benefit are based on your sickness benefit generating income. This in turn is based on your estimated profit or salary in your company. The method used to calculate sickness benefit generating income varies according to the legal form of your business.

There are two different pension contributions that you need to pay when you are self-employed. The first contribution is the retirement pension contribution or the self-contribution, which corresponds to the contribution paid by employers for an employee. The second contribution is the national public pension contribution, which you are credited with by paying tax on your salary or profit. These taxes and contributions provide you with a national public pension.