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UKKO UKKO Turva

Insurance, benefits, and documents in one package

UKKO Turva’s liability, accident, and legal expenses insurance make entrepreneurship safe and reliable. In addition to insurance, it provides you with documents that make entrepreneurship easier and numerous valuable benefits.

Register and start using UKKO Turva
  • Insurance
  • Legal assistance
  • Benefits and discounts
UKKO.fi

For sole proprietorships +€30/month + VAT

For limited companies +€40/month + VAT

In addition to insurance, UKKO Turva includes ready-made contract templates, powers of attorney, and other documents to make everyday life easier, as well as valuable discounts on rental cars, office space, work clothes, and more.

  • Accident and liability insurance
  • Legal expenses insurance and If legal assistance
  • Library of contract templates
  • Training and courses to help you develop your skills
  • Discounts worth money

Price list

More carefree entrepreneurship

With UKKO Turva, you don’t have to worry about sorting out insurance policies, comparing prices, and negotiating terms – we’ve done it for you. You are insured for up to two million euros against potential damages, and our comprehensive insurance coverage also serves your clients.

How to start using UKKO Turva

1

Log in

Log in to the UKKO Entrepreneur service. To order UKKO Turva, you must be registered with the UKKO Entrepreneur service.

2

Order UKKO Turva

Go to the order management section in the service settings using your browser (not the mobile app) and select the UKKO Turva add-on service.

3

Enjoy peace of mind

Do your work with confidence and a smile on your face.

Over 200,000 registered users trust the UKKO.fi service.

Over 200,000 registered users trust the UKKO.fi service.

UKKO Turva’s insurance partner is If

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Reviews

“Being a freelancer is a norm when you’re a photographer. After having a trade name, I discovered UKKO.fi And then took the chance to start trying to get photography gigs again. I started growing from there.”

“There are at least four government agencies you’ll have to deal with as a freelancer. The most important will be Vero*, the tax agency. Don’t worry, UKKO.fi is here to be your middle man. They are ensuring that all of your taxes are paid correctly, so you can work hassle-free.”

“It is easier to get paid for my music, whether I am doing studio work or playing a gig. If I have a show somewhere else I can process the expenses and the invoice for the gig at the same time, it’s really smooth.”

“I used to have my own company, but I started to use UKKO.se-service so that I wouldn’t have to handle the company’s taxes, accounting or other time consuming paperwork myself, since UKKO handles all that for me.”

“Ukko’s service helps me administratively and makes it possible for me to focus on delivering the best blog material without having to think about invoicing.”

UKKO Turva insurance policies

The insurance is not occupational accident insurance in accordance with the Occupational Accidents and Diseases Act, nor does it remove the client’s possible obligation to insure activities that require occupational accident insurance in accordance with the law.

UKKO Accident Insurance covers:

  • medical expenses incurred as a result of an accident, with no upper limit in euros
  • the cost of medication prescribed for the treatment of an accident injury
  • travel and accommodation expenses
  • initial medical aids
  • daily allowance for sick leave, compensation period up to 2 years from the date of the accident
  • disability allowance for permanent disability.
  • Death benefit for accidental death, insurance amount €25,000. The beneficiaries are the next of kin.

The insurance does not cover:

  • medical expenses incurred as a result of an accident, with no upper limit in euros
  • costs of medication prescribed for the treatment of an accident injury
  • travel and accommodation expenses
  • initial medical aids
  • daily allowance for sick leave, compensation period up to 2 years from the date of the accident
  • disability allowance for permanent disability.
  • Death benefit for accidental death, insurance amount €25,000. The beneficiaries are the next of kin.

The insurance does not cover:

  • occupational diseases
  • accidents occurring during business trips
  • work-related injuries
  • loss of wages during the examination period
  • loss of wages during physical therapy
  • nursing allowance
  • clothing allowance
  • additional household care costs
  • accident pension
  • family pension or other compensation payable in the event of the death of the injured person as specified in Chapter 13 of the Workers’ Compensation Act
  • rehabilitation allowance or other rehabilitation compensation mentioned in Chapter 12 of the Workers’ Compensation Act

This is a brief description of UKKO Accident Insurance. For more detailed information on the content and limitations of the insurance, please log in to the service and refer to the insurance terms and conditions.

The insurance covers operational, product, and consulting damages that occur in work performed through UKKO.fi.

UKKO Liability Insurance covers the following, subject to the terms and conditions:

  • Personal injury or property damage caused by the entrepreneur in the course of their business, up to EUR 2,000,000 per claim, with an excess of EUR 1,000.
  • Personal injury and property damage caused by a product manufactured or sold by the entrepreneur.
  • Personal injury, property damage, and financial loss caused to another party in Finland due to an error or incomplete performance of a technical consulting task.
  • Damage caused to a person in accordance with the EU General Data Protection Regulation (GDPR).
  • Damage caused to property that has been taken into possession, borrowed, or is otherwise temporarily in the entrepreneur’s possession.
  • The insurance covers, for example, property damage caused during cleaning at the customer’s home.
  • Damage caused to goods owned by another person that are being transported.

The insurance does not cover:

  • Damage caused intentionally or through gross negligence
  • Financial damage other than in technical consulting
  • Moisture or flood damage, unless the fault or defect causing the damage arose suddenly and unexpectedly and the damage itself also arose suddenly, unexpectedly, and rapidly
  • Damage based solely on a contract or warranty
  • Costs arising from the recall or reinstallation of a manufactured or sold product, or damage to the product itself.
  • In technical consulting:
    • Damage caused by a delay in the consulting assignment.
    • Indirect damage resulting from, for example, a reduction or interruption in production or turnover.
  • Damage and expenses caused by a data breach.

This is a brief description of the liability insurance included in UKKO insurance. For more detailed information on the contents and limitations of the insurance policies, please log in to the service and refer to the insurance terms and conditions for UKKO liability insurance and consultant liability insurance.

UKKO Legal Protection Insurance covers

  • Legal and court costs in civil, criminal, and petition cases
  • Expenses incurred for the use of a representative and evidence in civil and application cases
  • Expenses for a court mediator and assistant according to the number of parties involved
  • Defense costs in criminal cases as a defendant, if the charge does not concern an intentional act or gross negligence
  • Costs of appealing to the Supreme Court, if leave to appeal has been granted

UKKO Legal expenses insurance does not cover

  • Costs incurred in cases heard by administrative and special courts
  • Cases of minor significance or where the claim cannot be proven to be disputed
  • Matters related to the transfer of company ownership
  • Contesting penalty claims in court
  • The other party’s legal costs, unless otherwise agreed
  • Costs incurred from filing a criminal complaint or investigation request

The sum insured under legal expenses insurance is €30,000 per claim. The deductible is €1,000 (but at least 15% of the costs).

Managing legal risks prevents disputes and ensures that you operate in a lawful and correct manner.

For example, disputes arising from contracts and work performance are typical examples of damages that can often be avoided by handling legal matters appropriately in advance.

If Lakiavussa, you can seek advice in the following areas of law:

  • evaluation, review, and drafting of business agreements (such as confidentiality agreements, standard terms and conditions, license agreements, supply agreements, distribution agreements, reseller agreements, cooperation agreements) and correspondence related to business agreements
  • employment contract law (such as employment contracts, executive contracts, job performance, termination of employment, occupational safety and health)
  • company law (such as matters related to company administration and shareholder agreements)
  • issues/agreements related to real estate and the lease of premises used and controlled by the policyholder in their own business.

UKKO Turva includes 5 hours of legal assistance per insurance period (1 year). The deductible for legal aid is €0. The prerequisite is that the advice is given in matters where the legal and court costs can be compensated from legal expenses insurance. Here is a brief description of UKKO Legal Expenses Insurance and If Legal Aid. For more detailed information on the content and limitations of the insurance, please refer to the insurance terms and conditions.

Do you still have questions?

Our customer service will be happy to help you with any questions you may have about UKKO Kassan and UKKO Yrittäjä services!

Are you a UKKO Light Entrepreneur and want to learn more about UKKO Turva? Read more here.

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Whatever else you need, we’ve got you covered

Need insurance, a business account and payment card, or the ability to invoice internationally? Find all the key additional services for entrepreneurs in one place.

From 15 € / month + VAT

Open a business account fast

Get a business account and payment card quickly and easily — in as little as one business day. UKKO Business Account connects your payments and bookkeeping, so transactions and transfers are recorded automatically and you can see your up-to-date financial position in one place. Clear, affordable monthly pricing with no hidden fees.

UKKO Business Account
UKKO Business Account
40 € / month + VAT

Protect your business the right way

UKKO Assurances brings extra security to your everyday life as an entrepreneur. It includes liability and accident insurance, legal expenses insurance, and legal assistance for situations where you need expert support. You also get access to useful contract and document templates, plus valuable perks that make running your business easier and give you more confidence. Our insurance partner is If.

UKKO Assurance
UKKO Assurance
20 € / month + VAT

Faster and easier entrepreneurship

With UKKO Plus, you get a dedicated financial management expert team by your side, processing your documents faster than ever. We also file your VAT and tax returns, as well as your EU summary reports, among the first in line.

UKKO Plus
10 € / month + VAT

Expand and invoice internationally

Invoice international clients without the hassle. With UKKO Foreign Trade, you can invoice your international clients in euros, in Finnish or English. We handle all VAT filings related to foreign trade on your behalf.

UKKO Foreign Trade
5% of invoiced amount + 10 € processing fee + VAT

Get paid faster with UKKO Financing

Receive your invoice funds up to 14 days earlier — without having to wait for your client to pay. Send your invoice through UKKO.fi to our financing partner Rahoo and, if the financing application is approved, the funds are paid out right away.

UKKO Financing

Corrections to bookkeeping

From 45 €

For example, reopening the accounting for a month that has already ended, accounting for arrears, extending the deadline, or making corrections due to late payment.