ARL is Colombia's Occupational Risk Insurance, designed to protect employees from the consequences of work-related accidents or illnesses. This coverage is a mandatory part of employment compliance in Colombia and is entirely separate from the standard public health insurance system (EPS).

ARL provides comprehensive protection in cases where an injury or illness is directly caused by the employee's work. This includes: 100% coverage of medical expenses for work-related injuries or occupational diseases; full salary compensation during medical leave due to a workplace incident; disability pensions if the employee suffers permanent incapacity; and death benefits for the employee's family in the event of a fatal work accident. ARL does not cover general health issues. Routine care continues to be handled through the EPS system.

If you are employing talent in Colombia through Remote People, here are key requirements: ARL coverage is mandatory for all employees regardless of whether their job is considered low-risk. 100% of the contribution is paid by the employer. Remote People handles the enrollment and payment process on your behalf as part of our fully compliant EOR solution in Colombia.

If you're employed in Colombia through Remote People, your ARL coverage ensures you are protected in case of any workplace-related incident. You are entitled to: immediate and full medical care for work-related injuries; 100% salary during approved medical leave caused by a workplace incident; long-term financial support in the case of permanent disability; and compensation for your family if a fatal accident occurs on the job.