Why are the premiums paid to Klara and not to Mobiliar? Gianluca Augustin November 12, 2021 14:36 Updated If you employ a person within your household, you are legally obliged to insurance them against accidents. Related articles How does the payment of premiums work? Can I also take out accident insurance on its own? Why do I require accident insurance for my employees? How is the premium calculated? Where can I turn if I have a question about insurance?