{"id":10807,"date":"2022-12-15T10:34:01","date_gmt":"2022-12-15T10:34:01","guid":{"rendered":"https:\/\/coolcompany.com\/se\/?p=10807"},"modified":"2026-01-20T14:53:21","modified_gmt":"2026-01-20T14:53:21","slug":"forsakringar","status":"publish","type":"post","link":"https:\/\/coolcompany.com\/se\/vart-erbjudande\/arbetsmiljo-forsakring\/forsakringar\/","title":{"rendered":"F\u00f6rs\u00e4kringar"},"content":{"rendered":"\n
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F\u00f6rs\u00e4kringar <\/h1>\n\n\n\n

N\u00e4r du frilansar och utf\u00f6r uppdrag genom Cool Company \u00e4r det viktigt att du k\u00e4nner till vilka f\u00f6rs\u00e4kringar du omfattas av. H\u00e4r har vi samlat information om de fyra f\u00f6rs\u00e4kringstyperna. <\/p>\n\n\n\n

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Ansvarsf\u00f6rs\u00e4kring<\/strong><\/h2>\n\n\n\n

En ansvarsf\u00f6rs\u00e4kring ger ekonomiskt skydd mot skadest\u00e5ndskrav f\u00f6r skada p\u00e5 person eller egendom n\u00e4r du \u00e4r ute p\u00e5 uppdrag. F\u00f6r m\u00e5nga uppdragsgivare \u00e4r denna typ av f\u00f6rs\u00e4kring ett krav f\u00f6r att kunna utf\u00f6ra ett uppdrag. Den ger skydd och ers\u00e4ttning om n\u00e5got g\u00e5r s\u00f6nder eller ett f\u00f6rem\u00e5l skadas n\u00e4r du genomf\u00f6r uppdrag. Exempelvis att du l\u00e4gger golv och tappar n\u00e5got s\u00e5 att golvet skadas eller f\u00f6rst\u00f6rs, eller om du st\u00e4dar och v\u00e4lter en vas som g\u00e5r s\u00f6nder. Ansvarsf\u00f6rs\u00e4kringen g\u00e4ller inte enbart fysiska saker utan skyddar ocks\u00e5 vid s\u00e5 kallade f\u00f6rm\u00f6genhetsskador. Det \u00e4r viktigt att vara medveten om n\u00e4r du jobbar som IT-konsult eller som konsult inom ekonomi, bokf\u00f6ring, utbildning, marknadsf\u00f6ring och f\u00f6rs\u00e4ljning. L\u00e5t s\u00e4ga att du \u00e4r IT-konsult och n\u00e5got g\u00e5r fel n\u00e4r du arbetar med deras CRM-system och du skulle bi kr\u00e4vd p\u00e5 skadest\u00e5nd. Med en ansvarsf\u00f6rs\u00e4kring f\u00e5r du juridisk hj\u00e4lp f\u00f6r att utreda samt eventuell ers\u00e4ttning f\u00f6r skadest\u00e5ndet du blir skyldig.<\/p>\n\n\n\n

N\u00e5gra delar som ing\u00e5r i detta f\u00f6rs\u00e4kringspaket \u00e4r: Allriskf\u00f6rs\u00e4kring, allm\u00e4nt ansvar, f\u00f6rm\u00f6genhetsbrott och produktansvar samt r\u00e4ttsskyddsf\u00f6rs\u00e4kring.<\/p>\n\n\n\n


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Sjukf\u00f6rs\u00e4kring<\/strong><\/h2>\n\n\n\n

Du omfattas av en grundl\u00e4ggande sjukf\u00f6rs\u00e4kring, som fungerar som ett komplement till ers\u00e4ttningen fr\u00e5n F\u00f6rs\u00e4kringskassan vid l\u00e5ngvarig sjukdom. I f\u00f6rs\u00e4kringen ing\u00e5r \u00e4ven m\u00f6jlighet till rehabilitering och samtalsst\u00f6d helt kostnadsfritt.  <\/p>\n\n\n\n

Skulle du bli sjuk och sjukskriven minst 25 procent kan sjukf\u00f6rs\u00e4kringen ge dig en ekonomisk ers\u00e4ttning. Efter en karenstid p\u00e5 90 dagar betalas din sjukers\u00e4ttning ut varje m\u00e5nad i f\u00f6rh\u00e5llande till hur m\u00e5nga procent du \u00e4r sjukskriven. Sjukers\u00e4ttningen betalas ut tills att du blir frisk igen, h\u00f6gst till din avtalade pensions\u00e5lder. <\/p>\n\n\n\n

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L\u00e4s mer h\u00e4r om sjukf\u00f6rs\u00e4kring<\/a><\/div>\n<\/div>\n\n\n\n


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Personf\u00f6rs\u00e4kring \u2013 gruppliv<\/strong><\/h2>\n\n\n\n

Den andra delen av personf\u00f6rs\u00e4kringen \u00e4r Gruppliv (TGL- Tj\u00e4nstegrupplivf\u00f6rs\u00e4kring) som \u00e4r en livf\u00f6rs\u00e4kring med efterlevandeskydd.<\/p>\n\n\n\n

Ers\u00e4ttningen utbetalas som ett skattefritt eng\u00e5ngsbelopp vid d\u00f6dsfall med 6 prisbasbelopp och barntill\u00e4gg med tv\u00e5 prisbasbelopp per barn. F\u00f6rs\u00e4kringen g\u00e4ller dygnet runt under din anst\u00e4llningsperiod hos Cool Company. F\u00f6r att omfattas av TGL-f\u00f6rs\u00e4kringen beh\u00f6ver den anst\u00e4llde ha ordinarie arbetstid p\u00e5 minst 8 timmar per vecka r\u00e4knat i genomsnitt per m\u00e5nad inom spannet av sju dagar bak\u00e5t r\u00e4knat fr\u00e5n d\u00f6dsfallet.<\/p>\n\n\n\n


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Personf\u00f6rs\u00e4kring \u2013 olycksfall<\/strong><\/h2>\n\n\n\n

Olycksfallsf\u00f6rs\u00e4kringen TFO g\u00e4ller om du skadar dig i jobbet eller om du skadar dig p\u00e5 v\u00e4g till eller fr\u00e5n jobbet. Den l\u00e4mnar ers\u00e4ttning p\u00e5 upp till 30 prisbasbelopp f\u00f6r invaliditet (b\u00e5de medicinsk och ekonomisk invaliditet).<\/p>\n\n\n\n

Olycksfallsf\u00f6rs\u00e4kringen omfattar ocks\u00e5 kostnader som uppst\u00e5r i samband med skadan, till exempel kl\u00e4der, resa till sjukhuset och kostnader f\u00f6r l\u00e4karbes\u00f6k. Ocks\u00e5 kostnader f\u00f6r rehabilitering och hj\u00e4lpmedel ing\u00e5r plus f\u00f6r sveda och v\u00e4rk vid best\u00e5ende men. Cool Companys olycksfallsf\u00f6rs\u00e4kring g\u00e4ller dygnet runt! Dessutom ing\u00e5r krisf\u00f6rs\u00e4kring (psykologsamtal) vid vissa h\u00e4ndelser. <\/p>\n\n\n\n


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Disclaimer: Vid eventuella motstridigheter har informationen i f\u00f6rs\u00e4kringsvillkor f\u00f6retr\u00e4de \u00f6ver inneh\u00e5llet i text ovan.  <\/p>\n<\/section>\n\n\n\n

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Till\u00e4gg – sjukv\u00e5rdsf\u00f6rs\u00e4kring<\/strong><\/h2>\n\n\n\n

Som anv\u00e4ndare av Cool Companys tj\u00e4nst f\u00e5r du m\u00f6jlighet att teckna en sjukv\u00e5rdsf\u00f6rs\u00e4kring \u2013 helt utan h\u00e4lsodeklaration och utan krav p\u00e5 fortsatt anv\u00e4ndning av v\u00e5ra tj\u00e4nster.<\/p>\n\n\n\n

Med f\u00f6rs\u00e4kringen f\u00e5r du tillg\u00e5ng till ett rikst\u00e4ckande n\u00e4tverk av privata v\u00e5rdgivare \u2013 snabbt, smidigt och tryggt. Blir du sjuk eller beh\u00f6ver v\u00e5rd, kontaktar du bara sjukv\u00e5rdsr\u00e5dgivningen digitalt eller via telefon. Vid behov bokas du till en specialist inom sju arbetsdagar, utan remiss.<\/p>\n\n\n\n

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L\u00e4s mer h\u00e4r om sjukv\u00e5rdsf\u00f6rs\u00e4kringen<\/a><\/div>\n<\/div>\n\n\n\n


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Ta del av fullst\u00e4ndiga f\u00f6rs\u00e4kringsvillkor via l\u00e4nkarna nedan:<\/h2>\n\n\n\n

F\u00f6rs\u00e4kringsbevis – Allm\u00e4n och produktansvar <\/a><\/p>\n\n\n\n

F\u00f6rs\u00e4kringsbevis – <\/a>Entreprenad<\/a><\/p>\n\n\n\n

F\u00f6rs\u00e4kringsbevis – Konsultansvar<\/a><\/p>\n<\/section>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[75],"tags":[],"class_list":["post-10807","post","type-post","status-publish","format-standard","hentry","category-arbetsmiljo-forsakring"],"yoast_head":"\nF\u00f6rs\u00e4kringar - Cool Company<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/coolcompany.com\/se\/vart-erbjudande\/arbetsmiljo-forsakring\/forsakringar\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"F\u00f6rs\u00e4kringar\" \/>\n<meta property=\"og:url\" content=\"https:\/\/coolcompany.com\/se\/vart-erbjudande\/arbetsmiljo-forsakring\/forsakringar\/\" \/>\n<meta property=\"og:site_name\" content=\"Cool Company Sverige\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-15T10:34:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-20T14:53:21+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Skriven av\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Ber\u00e4knad l\u00e4stid\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minuter\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/coolcompany.com\/se\/vart-erbjudande\/arbetsmiljo-forsakring\/forsakringar\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/coolcompany.com\/se\/vart-erbjudande\/arbetsmiljo-forsakring\/forsakringar\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/coolcompany.com\/se\/#\/schema\/person\/5f561757ba0b05454506f133cf439c63\"},\"headline\":\"F\u00f6rs\u00e4kringar\",\"datePublished\":\"2022-12-15T10:34:01+00:00\",\"dateModified\":\"2026-01-20T14:53:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/coolcompany.com\/se\/vart-erbjudande\/arbetsmiljo-forsakring\/forsakringar\/\"},\"wordCount\":771,\"publisher\":{\"@id\":\"https:\/\/coolcompany.com\/se\/#organization\"},\"articleSection\":[\"Arbetsmilj\u00f6 f\u00f6rs\u00e4kring\"],\"inLanguage\":\"sv-SE\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/coolcompany.com\/se\/vart-erbjudande\/arbetsmiljo-forsakring\/forsakringar\/\",\"url\":\"https:\/\/coolcompany.com\/se\/vart-erbjudande\/arbetsmiljo-forsakring\/forsakringar\/\",\"name\":\"F\u00f6rs\u00e4kringar - 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