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Work · Spain
Updated September 2026

🩹 I had an accident at work — who do I report it to, and what am I owed?

Direct answer

Report it to the employer the same day, in writing, and see a doctor stating it was a work accident — that label opens the accident-insurance route, which pays treatment, wages and, for lasting injury, a pension, without proving anyone's fault. Mutua colaboradora / INSS — accidente de trabajo (seg-social.es) is the accident insurer or fund for Spain; the employer must notify them, and you can too. Inspección de Trabajo y Seguridad Social (ITSS) (mites.gob.es) investigates serious accidents and unsafe conditions; Sindicato (CCOO, UGT) (ccoo.es) makes sure the claim is filed right and represents you if the employer disputes it.

Call firstMutua colaboradora / INSS — accidente de trabajo
Report toInspección de Trabajo y Seguridad Social (ITSS)
If that failsSindicato (CCOO, UGT)

🗣️ What to say

"On [date] at [time] I had an accident at [place] while [task]: [what happened, injuries]. Witnesses: [names]. I ask you to record it as a work accident and notify the accident insurer today, and to send me a copy of the report."

🪜 Step by step

  1. Doctor, same daySay it happened at work. The medical record with that sentence is the basis of everything.
  2. Report to the employer in writingEven for "small" injuries — the ones that get worse are the ones nobody reported.
  3. Check the notification: Mutua colaboradora / INSS — accidente de trabajoThe employer must notify within days; if they do not, notify the insurer yourself with the medical report.
  4. Witnesses and photosThe scene, the equipment, the missing guard. Before it is "fixed".
  5. Serious or unsafe: Inspección de Trabajo y Seguridad Social (ITSS)The inspectorate investigates serious accidents and can order changes; your report protects colleagues.

📇 All contacts

Mutua colaboradora / INSS — accidente de trabajoCare, sick leave, work-accident benefitsAfter any work accident🔗 www.seg-social.es
Inspección de Trabajo y Seguridad Social (ITSS)Complaint, inspection, payment orderAs soon as the wages are late🔗 www.mites.gob.es/itss/web/Atencion_al_Ciudadano/COMO_DENUNCIAR_ITSS.html
Sindicato (CCOO, UGT)Advice and representation at the labour courtFor members; you can join right away🔗 www.ccoo.es
Servicio de salud de su comunidad autónoma — centro de saludDoctor assignment, health card, complaintsFor finding a doctor and care questions🔗 www.sanidad.gob.es

❓ Frequently asked

The employer says not to report it

That is illegal and it costs you cover. Report it yourself to Mutua colaboradora / INSS — accidente de trabajo; the employer's refusal is itself reportable to Inspección de Trabajo y Seguridad Social (ITSS).

What if it was my own mistake?

Accident insurance is no-fault: you are covered regardless. Only deliberate self-harm or gross drunkenness is excluded.

Accident on the way to work?

Commuting accidents are covered in most EU countries on the direct route. Report it the same way.

📎 Sources

Last checked: 2026-09-26

🔎 Common searches

Recognise your own search? The answer above covers all of these.

  • “accident at work report Spain”
  • “work accident insurance claim”
  • “employer refuses to report accident”
  • “injured at work what am i owed”
  • “commuting accident covered”

🧭 Is this still correct?

We check this information carefully, but phone numbers, websites and rules change — and sometimes we get something wrong. Spotted a mistake or a change? Let us know below.

🔗 Related questions

🤒Sick and pressured→📄No contract→💼Unpaid wages→⚖️Unfair dismissal→

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