Corporate customers:

Business Insurance

  • Business insurance: quickly find the right protection
  • Protect your company against financial risks – from liability insurance to cyber insurance. Quickly find out which insurances are truly relevant for your business.

The most important insurances for businesses

Compulsory

Accident insurance

Mandatory for employees (including managing directors), optional for the self-employed. Accident insurance provides financial protection for everyone working in the company in the event of an accident or occupational illness: it covers medical treatment costs, daily allowances for loss of earnings, and disability and survivors’ pensions.

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Compulsory

Occupational retirement provision for your employees

From an annual salary of CHF 22,050 per person, employees (including managing directors) must be insured by law. Occupational pension plans provide protection in the event of death and disability and help employees save for retirement.

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Recommended

Liability insurance

Essential: Liability insurance covers personal injury and property damage caused to third parties as a result of your business activities.

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Recommended

Insurance for daily sickness benefits

If employees are unable to work for an extended period due to illness, you are required to continue paying their salary for a certain time. Sickness daily allowance insurance steps in and pays the corresponding daily benefits.

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Optional

Property insurance

Property insurance covers damage to company assets such as buildings, goods, or inventory – for example, due to fire, water, theft, or other events. It works much like household contents insurance for private individuals.

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Optional

Cyber insurance

Cyber insurance pays out in the event of attacks on your company – such as data theft, extortion, or fraud. It covers the costs of restoring data and systems and also helps raise awareness among your employees about cyber risks.

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In what industry do you operate?

Information and frequently asked questions about business insurance

Which insurances are mandatory for SMEs?

For SMEs in Switzerland, the following insurances are mandatory depending on the company structure and whether employees are hired:

  1. Accident insurance (UVG)*
    Mandatory for all companies with employees, including managing directors (occupational and – depending on workload – non-occupational accidents).
  2. Occupational pension (BVG)*
    Mandatory for employees with an annual salary above the BVG threshold (CHF 22,050).
  3. AHV/IV/EO/ALV**
    Social insurances are mandatory for all employers.
  4. Family allowances (FAK)**
    All employers must be registered with a family compensation fund.
  5. Motor vehicle insurance
    Required only if vehicles are registered to the company.

*Note for self-employed persons
Self-employed persons are not automatically subject to UVG or BVG. It is recommended to insure these risks voluntarily, as there is otherwise no insurance cover in case of illness, accident, or loss of earnings.

**Note on social insurances
Mandatory social insurances (AHV/IV/EO/ALV, FAK) are not concluded with private insurers but via the relevant AHV compensation fund.

How can I find out which insurances I really need?

Which insurances are useful or even necessary for your business depends on your industry, your activities, company size, and whether you employ staff.

With our SME check, you’ll quickly find out what’s relevant for you: answer a few short questions about your business and receive an immediate, personalized insurance recommendation.

Or speak to us directly:
You can call us anytime at +41 41 528 29 75 or use the contact form – we’re happy to advise you personally and help you find the right insurance cover.

What does business insurance cost on average?

The cost of business insurance cannot be given as a flat rate. It depends greatly on your business model, industry, company size, the insurances you choose, and your turnover or total payroll.

Typical influencing factors include:

  • Number of employees
  • Total payroll (for accident/pension insurance)
  • Type of business and risk profile
  • Turnover and business activities
  • Desired coverage amounts and deductibles

To quickly get a realistic estimate, use our tools:

  1. Premium calculator
    Calculate your premium online and receive a personal quote – instantly or after a short review.
  2. SME check
    Find out which insurances are relevant for your business and where costs might arise.
  3. Comparison offer
    Upload an existing quote or policy – we’ll prepare a suitable comparison offer for you.

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