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How to purchase employee work-related injury insurance
Legal analysis: Commercial work-related injury insurance can be purchased from an insurance company.

The work-related injury insurance in social security is paid by the company, and individual employees do not need to pay it.

The employer shall publicize the relevant information on participation in work-related injury insurance within the unit.

Employers and employees should abide by laws and regulations on production safety and prevention and control of occupational diseases, implement safety and health regulations and standards, prevent work-related injuries, and avoid and reduce occupational disease hazards.

When an employee is injured at work, the employer shall take measures to ensure that the injured employee receives timely treatment.

Legal basis: Article 33 of the "Social Insurance Law of the People's Republic of China" Employees shall participate in work-related injury insurance, and the employer shall pay work-related injury insurance premiums. Employees shall not pay work-related injury insurance premiums.

Article 34 The state determines differential premium rates for different industries based on the degree of work-related injury risk in different industries, and determines premium rates within each industry based on the use of work-related injury insurance funds, the incidence of work-related injuries, etc.

Industry differential premium rates and intra-industry premium rates shall be formulated by the social insurance administrative department of the State Council, and shall be promulgated and implemented after being submitted to the State Council for approval.

The social insurance agency determines the employer's payment rate based on the employer's use of the work-related injury insurance fund, the incidence of work-related injuries, and the rate grade of the industry.

Article 35 The employer shall pay work-related injury insurance premiums based on the total wages of its employees and the rate determined by the social insurance agency.