Financial security

When a company goes bankrupt

When a company you do business with goes bankrupt, it can have consequences for your company as well. That is why we have gathered information for you who want to know what applies and what you need to do.

If you get sick

If you are unable to run your business for a period of time due to illness, you may receive compensation from the Swedish Social Insurance Agency (Försäkringskassan). How much compensation you receive will depend on how much profit you withdraw or how much salary you get from your company.

If you get sick

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Insure yourself and your business

Review which insurances you, your company and any employees need. An insurance you have as a private person, for example home insurance, does not apply to your company. See which insurances you may need as an entrepreneur.

Insurance for your business

If you are going to be a parent

As an entrepreneur, you can receive compensation from the Swedish Social Insurance Agency if you take time off to care for your child. How large the compensation will be is dependent on the salary or surplus you take out of your company.

If you are going to be a parent

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Your pension as an entrepreneur

You need to draw a salary or have a surplus in order f to receive the same pension as an employee. You also need to pay fees and taxes to earn money for your public pension from the state. Read more about pensions for those who run a business.

Your pension as an entrepreneur

Frequently asked questions about financial security

How do I insure my company?add

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.

How do I insure myself as an entrepreneur?add

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

What unemployment insurance funds are available for entrepreneurs?add

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

What happens if I get sick?add

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.

What contributions do I have to pay to receive national public pension?add

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.