Am I protected if I'm injured at work?
Yes: you're protected by INAIL insurance. In case of a workplace injury or an occupational disease, workers are covered by the mandatory INAIL insurance, paid by the employer. If you're injured, you must get care and obtain a medical certificate, which is sent to INAIL; the employer must file the injury report in time. INAIL grants a benefit for temporary disability (during your absence from work), an annuity or a lump sum for permanent disability, and benefits to survivors in the most serious cases. The commuting injury, i.e. one occurring on the home-work route, is also covered. The protection is independent of fault and adds to the employer's liability in case of safety-rule breaches.
📋 The rules
- Injuries and occupational diseases covered by INAIL
- You need care and a medical certificate (sent to INAIL)
- The employer must file the injury report
- Benefit for temporary disability; annuity for permanent one
- Commuting injury (home-work) also covered
🔓 Exceptions
- Commuting injury: protected if the route is normal and not interrupted without reason
- Wilful or grossly negligent conduct by the worker: possible limits
- In case of safety-rule breaches: the employer's additional liability
⚠️ Penalties & fines
An employer who doesn't insure workers or doesn't report injuries in time is subject to sanctions; if the injury stems from a safety-rule breach, there can be additional civil and criminal liability, plus INAIL's recourse action. For the worker, it's important to get care at once, get the medical certificate and notify the employer of the injury: this lets INAIL pay the benefits (allowance, annuity, care). Keep the medical documentation and, in case of non-recognition or problems, turn to a patronato or a lawyer. INAIL protection doesn't depend on fault: it covers the injury as having occurred on the occasion of work.
📎 Official sources
- INAIL · Workplace injury and occupational disease →
- Normattiva · Presidential Decree 1124/1965 (injury insurance) and Lgs. Decree 81/2008 (safety) →
- Ministry of Labour · Health and safety at work →
❓ Frequently asked
What do I do if I'm injured at work?
Get care at once and obtain a medical certificate, which is sent to INAIL. Notify the employer of the injury; they must file the report in time. This lets INAIL grant the provided benefits, like the temporary-disability allowance.
What does INAIL insurance cover?
Workplace injuries and occupational diseases. It grants the temporary-disability allowance during the absence, an annuity or a lump sum for permanent disability, care and, in the most serious cases, benefits to survivors. The protection is independent of fault.
Is a commuting injury covered?
Yes, it's the so-called commuting injury, covered by INAIL. The protection applies if the home-work route is the normal one and isn't interrupted or diverted without a justified reason. This type of injury also gives a right to INAIL benefits.
How much do I get during an injury absence?
INAIL grants a temporary-disability allowance, calculated as a percentage of pay, for the period of absence from work after the injury. The percentage rises after the first days. The benefits are paid by INAIL based on the medical certificate.
What does the employer risk in case of an injury?
If they didn't insure the workers or didn't report the injury in time, they're subject to sanctions. If the injury stems from a safety-rule breach, there can be additional civil and criminal liability, plus INAIL's recourse action.
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