{"id":3603,"date":"2026-11-11T14:46:13","date_gmt":"2026-11-11T13:46:13","guid":{"rendered":"https:\/\/nazycie.pl\/?p=3603"},"modified":"2026-11-11T14:46:13","modified_gmt":"2026-11-11T13:46:13","slug":"workers-compensation-for-a-self-employed-person-while-working-at-a-clients-location","status":"publish","type":"post","link":"https:\/\/nazycie.pl\/en\/poradnik\/ubezpieczenia-dla-firm\/nnw-samozatrudnionego-podczas-pracy-u-klienta\/","title":{"rendered":"Workers' Compensation for the Self-Employed While Working at a Client's Site"},"content":{"rendered":"

A self-employed person may work in an office, a workshop, at a client\u2019s location, or in several places in a single day. However, the mere fact that an accident occurred while performing a job does not automatically entitle the person to an accident insurance payout. The content of the contract is of key importance: the coverage period, territorial scope, definitions used in the General Terms and Conditions, the nature of the work performed, and limitations arising from other provisions and clauses. The policy does not automatically take effect for every incident that occurs during work.<\/strong> Before signing a contract, it\u2019s a good idea to review the document in a specific order, and after an accident, to keep records that allow you to reconstruct what happened. The instructions below show how to do this without relying solely on the name \u201cNNW\u201d or a general description of the offer.<\/p>\n\n\n\n

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Table of contents<\/p>\n\n\n\n

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  1. Which documents should I start with?<\/a><\/li>\n\n\n
  2. How to Check the Coverage Period<\/a><\/li>\n\n\n
  3. How to Interpret Territorial Scope<\/a><\/li>\n\n\n
  4. Why the Nature of Work and Definitions Are Important<\/a><\/li>\n\n\n
  5. How to Prepare to Report an Accident<\/a><\/li>\n\n\n
  6. Frequently Asked Questions<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n

    Which documents should I start with?<\/h2>\n\n\n\n

    When assessing your coverage, you shouldn\u2019t start by asking, \u201eDo I have accident insurance?\u201d but rather by determining exactly what kind of policy you have. You\u2019ll need the current General Terms and Conditions applicable to a specific policy<\/strong>, the insurance policy, and the attached clauses. The plan, term, and coverage extensions may affect the meaning of the general product description.<\/p>\n\n\n\n

    First, write down product name, General Terms and Conditions version, and selected variant<\/strong>. Next, look for the provisions regarding the subject of coverage, the duration and scope of coverage, definitions, limitations, and what to do after an accident. Do not assume that two products with similar names have identical terms and conditions.<\/p>\n\n\n\n

    Your job profile is also a good point of reference. Describe where you usually work, what tasks you perform yourself, and whether the location where you carry out your work varies. This description makes it easier to verify whether the language of the General Terms and Conditions matches the actual way you perform your work. You\u2019ll find more context on choosing coverage in the guide on Insurance for a sole proprietorship<\/a>.<\/p>\n\n\n\n

    Important: The name of the accident insurance policy indicates the type of coverage, but does not necessarily determine whether a specific incident involving the customer falls within the scope of the policy. The final decision is made based on the full text of the relevant documents, not on the colloquial understanding of the word \u201eaccident.\u201d.<\/p>\n\n\n\n

    How to Check the Coverage Period<\/h2>\n\n\n\n

    The first practical question is: When is the policy in effect? It is important to distinguish between the term of the contract and the time frame of coverage during the day and with respect to the activity being performed. The insurance term and the coverage period are two separate points of consideration.<\/p>\n\n\n\n

    The 2026 General Terms and Conditions of Accident Insurance (TUZ) provide for the option of purchasing full coverage, that is, 24 hours a day<\/strong>, or limited to: during work hours and while commuting to and from work. This is a concrete example that illustrates why it is not enough to simply check the policy\u2019s start and end dates.<\/p>\n\n\n\n

    When the scope is limited, the concept takes on particular significance \u201eduring work hours\u201d<\/strong>. A self-employed person does not always have fixed working hours, a single office, or a typical commute to work. You should not extend this definition on your own to include every activity related to the business. You must compare the coverage period provision with the definitions, the policy document, and any applicable clauses.<\/p>\n\n\n\n

    A practical inspection might proceed as follows:<\/p>\n\n\n