INAIL Accident Insurance: Who Qualifies and What You Get

This scheme provides insurance coverage to protect you in the event of an accident that occurs while you are working.

👤Who it's for

This insurance is a mandatory requirement for many different categories of self-employed workers in Italy. Whether you are working in a physical shop or managing a digital business, your legal requirement to have this coverage depends entirely on your professional classification.

🎁What you get

The primary benefit of this scheme is coverage for workplace accidents. If you suffer an injury or an accident while performing your professional duties, this insurance is designed to provide the necessary protections and support related to that incident.

💰What it costs you

This scheme is not free. You are required to pay an annual premium to maintain your coverage. The amount you are required to pay is not a fixed flat rate for everyone; instead, the cost is calculated based on your specific risk category. This means the nature of your work and the level of risk associated with your professional activities will determine your specific premium.

⚠️The catch to know

The most important thing to verify is whether your specific business activity actually requires this insurance. For example, individuals running dropshipping businesses are often exempt from this mandatory coverage. However, you cannot assume you are exempt based on your business model alone. You must check your specific ATECO code—which is the official numerical code used to classify your specific business activity—to confirm whether you are legally required to enroll or if you are exempt.

📝How to apply

1. Locate your official ATECO code to determine if your business activity is exempt or mandatory.
2. Confirm your specific risk category based on the nature of your professional work.
3. Contact the relevant government bodies to register your coverage and arrange for the payment of your annual premium.