Work-related injuries can have serious consequences for employees, often long-term. Currently, in the Czech Republic is the current issue of the future shape of financial instrument to deal with the consequences of work-related injuries. Insurance required by law, which is at present in connection with claims of work-related injuries is not relevant, from an economic perspective and from the perspective of prevention of work-related injuries. Therefore, it is considered for solving two basic solutions: inclusion in social insurance or use of commercial principles (compulsory contractual insurance). This article analyzes the various possible solutions, also in the context of the experience of other countries.