Business insurance is not usually a legal requirement – but it is nevertheless extremely sensible to ensure that your company is not at risk if the worst comes to the worst.
This depends on your legal form in particular: If you are self-employed as a freelancer or a sole proprietor company, you will need different insurance coverage to a joint-stock company or a limited liability company. Depending on the type of company, certain types of insurance may even be mandatory. By the way: As a new founder, you will receive a discount of up to 30 percent depending on the sector and product.
Protect everyone who works for the company financially in the event of an accident or occupational illness: Accident insurance covers medical treatment, wages (daily allowances), pensions and more.
Occupational retirement provision for your employees
You must take out compulsory insurance for your employees with a salary of CHF 22,050 or more per person: With occupational retirement provision, you are covered for death and disability and save for retirement.
Insurance for daily sickness benefits, for employees
If employees are unable to work for a lengthy period due to illness, you are still obliged to continue paying their salary for a certain period. Insurance for daily sickness benefits will step in and pay out the corresponding daily allowances.
Indispensable protection for start-ups: Liability insurance covers personal injury and property damage caused to others as a result of your business activities.
Property insurance offers you protection against property damage to your company property such as buildings, goods or inventory – similar to household contents insurance for private individuals.
Cyber insurance pays out in the event of a cyber attack against your company, e.g. data theft or fraud. We also cover the costs of data and system recovery and raise your employees' awareness of cyber risks.
Mandatory for your employees, recommended for you: Protect everyone who works for the company financially in the event of an accident or occupational illness: Accident insurance covers medical treatment, wages (daily allowances) and pensions, among other things.
Occupational retirement provision for you and your employees
You must take out compulsory insurance for your employees with a salary of CHF 22,050 or more: With occupational retirement provision, you are covered for death and disability and save for retirement.
Indispensable protection for start-ups: Liability insurance covers personal injury and property damage caused to others as a result of your business activities.
Insurance for daily sickness benefits for you and your employees
If employees are unable to work for a lengthy period due to illness, you are still obliged to continue paying their salary for a certain period. Insurance for daily sickness benefits will step in and pay out the corresponding daily allowances.
Property insurance offers you protection against property damage to your company property such as buildings, goods or inventory – similar to household contents insurance for private individuals.
Cyber insurance pays out in the event of a cyber attack against your company, e.g. data theft or fraud. We also cover the costs of data and system recovery and raise your employees' awareness of cyber risks.
Get to know your risks
Every sector has its own specific risks – are you familiar with them yet? Get an initial overview of which insurances you really need.
Select your insurance coverage
Decide which protection your employees and you need right from the start and what can wait a little longer. This will give you a basis for putting together your own individual insurance package.
Check your insurance regularly
Do you have new premises or new machinery or have you expanded your operations? Then you will usually need additional protection.
Daily benefit in case of hospitalization: Continued payment of salaries in the event of illness
If employees are absent due to illness for a longer period of time, they are entitled to the continued payment of salaries. Here you can find out everything you need to know.
An employee who has an accident and is unable to work is still entitled to an income. In principle, the law provides for the obligation to continue to pay salaries and benefits under the mandatory accident insurance (LAI). What does that mean specifically?
The Zurich SME Magazine offers corporate customers and interested parties important information on trends, risk and security, stories from entrepreneurs, as well as current interviews with experts.
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