If you’re running a business in Saudi Arabia, or you’re just getting started, one key part of staying compliant is registering with the General Organization for Social Insurance (GOSI). It’s not just a legal step — it’s an essential part of taking care of your employees and protecting your company.
Let’s break down exactly how Social Insurance (GOSI) in Saudi Arabia works and what you need to do to get started, without overcomplicating things.
What is GOSI in Saudi Arabia?
GOSI is the social insurance system in Saudi Arabia that supports employees in case of work injuries, retirement, disability, or death. It’s a government-run safety net for both Saudis and expatriates working in the country. Think of it as an insurance plan where employers and sometimes employees contribute every month.
It ensures that workers have access to compensation when life takes an unexpected turn — and that companies are fulfilling their obligations under Saudi labor laws.
Why is GOSI Certificate Necessary in Saudi Arabia?
Having a GOSI certificate means your business is officially enrolled in the social insurance system. It’s often required when you apply for government contracts, renew a commercial license, or process employee visas.
Without a GOSI certificate, your business might face delays or rejections during official procedures. More importantly, it can impact your credibility and standing with authorities and clients alike.
How to Get a GOSI Certificate in Saudi Arabia?
Getting your GOSI certificate isn’t difficult, but it does require attention to detail. Here’s what the process usually looks like:
Step 1: Create an Account
Start by creating a business account on the GOSI portal. You’ll need your company’s commercial registration number and some basic contact information.
Step 2: Register Employees
Add all your employees to your GOSI profile. You’ll include details like full name, ID number (Iqama or National ID), job title, and salary.
Step 3: Calculate Monthly Contributions
The system will automatically calculate how much you need to contribute based on each employee’s salary. You’ll then make your monthly payments through the designated bank channels.
Step 4: Apply for Certificate
Once your payments are made and employee details are up to date, you can request your GOSI compliance certificate. It’s usually generated digitally.
Documents Required
Before applying, make sure you’ve got these documents ready:
- A copy of your Commercial Registration (CR)
- Identification of business owner or authorized representative
- Employee Iqama or ID details
- Salary breakdowns
- Company address and contact details
Having these documents in order makes your GOSI registration smooth and quick.
Who is Eligible for GOSI in Saudi Arabia?
GOSI applies to almost every worker in the private sector, including:
- Saudi nationals, who get full retirement and insurance benefits
- Expatriates, who are covered for work injuries and accidents
- Employers, who are responsible for contributing on behalf of their staff
Even if your business is small, GOSI registration is required once you hire your first employee.
How Much is GOSI in Saudi for Expatriates?
For expatriate workers, GOSI is a flat 2% of the monthly wage. This cost is covered entirely by the employer. The amount is calculated based on the basic salary and housing allowance.
For Saudi nationals, the rates are higher because they’re entitled to more benefits — both employer and employee contribute.
Benefits of Having a GOSI Certificate in Saudi Arabia
Here’s why getting that certificate is a win-win:
- Compliance: Avoid fines or penalties from the labor department
- Security: Protect your employees with injury and health coverage
- Opportunity: Qualify for government tenders and corporate partnerships
- Ease: Streamline your legal, financial, and HR processes
Your GOSI status also boosts employee trust — they’ll know they’re being taken care of.
How Much is the GOSI Fee?
GOSI doesn’t charge a fixed “fee” for registration. Instead, your monthly payments are based on employee salaries.
- For expatriates: 2% (employer only)
- For Saudis: About 21.5% split between employer and employee
There are no hidden charges, but you must be punctual with your payments to avoid fines or disruptions.
Conclusion
Getting registered for Social Insurance (GOSI) in Saudi Arabia is one of the smartest things a business can do. It shows that you’re committed, reliable, and prepared — both for your employees and for the future.
Whether you’re a small startup or an established enterprise, securing your GOSI certificate adds structure and safety to your operations. It’s not just about ticking boxes — it’s about building a solid foundation for long-term success.
If you’re planning a Company Registration in Saudi Arabia, make sure GOSI is part of your checklist right from the start.
