Insurance cover for umbrella employees and consultants
When you work as an umbrella employee through Pay2me, there is documented insurance cover behind the business. Since 15 September 2026, Pay2me AB has a combined business insurance policy in which the insured activity is stated as “Konsulter/Egenanställda” – Consultants/Umbrella Employees.
The insurance includes general liability and product liability as well as specific endorsements for pure financial loss, professional indemnity, technical consultants and contractor’s liability. As an umbrella employee, you are also covered by occupational injury protection through Fora.
Different parts of the insurance apply to different types of assignments. We therefore publish the insurance certificate and the relevant endorsements openly, so that both you and your client can easily review the insurance cover and terms relevant to the assignment.
Insurance cover at a glance
General liability and product liability
Insurance limit: SEK 10,000,000 per claim / SEK 20,000,000 per year.
Geographical scope according to the insurance certificate: worldwide excluding North America, but worldwide for travel and trade fairs.
Professional indemnity
The insurance certificate states an insurance limit of SEK 2,000,000 for professional indemnity. The endorsement contains further information about the scope, geographical area, deductible and exclusions.
Professional indemnity for technical consultants
The insurance certificate states 120 Swedish price base amounts per claim and 360 Swedish price base amounts per year for professional indemnity for technical consultants. The endorsement contains further information about who is insured, when and where the insurance applies, its scope, deductible and exclusions.
Contractor’s liability
The insurance certificate states an insurance limit of SEK 10,000,000 for contractor’s liability. The endorsement contains further information about contractor activities, sub-limits, deductibles, safety requirements and exclusions.
Pure financial loss
The insurance certificate states an insurance limit of SEK 2,000,000 for pure financial loss. The endorsement contains further information about the scope, geographical area, deductible and exclusions.
Legal expenses insurance
The insurance certificate states an insurance limit of SEK 500,000 per claim and SEK 1,000,000 per year for legal expenses insurance. The insurance also includes specific endorsements relating to environmental and work environment offences and tax disputes.
Contract works insurance
The insurance certificate also includes all-risks cover for contract works, with insurance limits of SEK 1,000,000 for works, SEK 200,000 for equipment and SEK 5,000,000 for existing property.
What does this mean for me?
The insurance is written for Pay2me's insured activity “Konsulter/Egenanställda” – Consultants/Umbrella Employees – and contains several different insurance sections and specific endorsements for different types of assignments.
For you as an umbrella employee, this means that there is established insurance cover behind the business when you carry out assignments through Pay2me. Which parts of the insurance are relevant depends on the type of work you perform. The insurance certificate and endorsements provide further information about each insurance section, insurance limits and terms.
If a loss or damage occurs, Pay2me will help you submit the insurance claim and provide the information and documentation required from our side.
Occupational injury protection
In addition to Pay2me's combined business insurance, umbrella employees are covered by occupational injury protection through Fora. This protection complements the business insurance and insurance endorsements described on this page.
Read the insurance documents
We believe in transparency. That is why we publish Pay2me's insurance certificate and the endorsements describing the different insurance sections. This allows both you and your client to review the insurance cover and terms directly.
- Insurance certificate – Pay2me 2026/2027 (Swedish)
- Pure financial loss – endorsement (Swedish)
- Contractor’s liability – endorsement (Swedish)
- Professional indemnity – endorsement (Swedish)
- Professional indemnity for technical consultants – endorsement (Swedish)
- Environmental and work environment offences – endorsement (Swedish)
- Tax disputes – endorsement (Swedish)