Which insurance do I really need?
Accident insurance (UVG)
Covers medical treatment, salary payments (daily allowances) and pensions in the event of accidents or occupational diseases. Mandatory for companies with employees, recommended for self-employed persons.
Occupational retirement provision (BVG)
Mandatory for employees with a minimum salary of CHF 22,050: covers in case of death and disability and saves for retirement.
Insurance for daily sickness benefits (KTG)
Covers wage costs when employees are absent from work for an extended period due to illness.
Liability insurance
Protects you if affected parties claim compensation from your company.
Accident insurance (UVG)
Covers, among other things, medical treatment, wages (daily allowances), and pensions in the event of accidents and occupational diseases.
Occupational retirement provision (BVG)
Mandatory for employees with a minimum salary of CHF 22,050: covers in case of death and disability and saves for retirement.
Insurance for daily sickness benefits (KTG)
Covers wage costs when employees are absent from work for an extended period due to illness.
Liability insurance
Protects you if affected parties claim compensation from your company.
Supplementary accident insurance (UVG-Z)
Extended protection as a supplement to the mandatory accident insurance.
Property insurance
Provides protection against property damage to your company assets such as buildings, goods, or inventory.
Accident insurance (UVG)
Covers, among other things, medical treatment, wages (daily allowances), and pensions in the event of accidents and occupational diseases.
Occupational retirement provision (BVG)
Mandatory for employees with a minimum salary of CHF 22,050: covers in case of death and disability and saves for retirement.
Insurance for daily sickness benefits (KTG)
Covers wage costs when employees are absent from work for an extended period due to illness.
Liability insurance
Protects you if affected parties claim compensation from your company.
Supplementary accident insurance (UVG-Z)
Extended protection as a supplement to the mandatory accident insurance.
Property insurance
Provides protection against property damage to your company assets such as buildings, goods, or inventory.
Legal protection insurance
Legal advice from our subsidiary ORION and coverage of costs in court proceedings.
Vehicles and transportation
Covers costs for personal and property damage, as well as damage to your own vehicle.
Cyber insurance
Pays in the event of a cyberattack against your company and covers the costs for data and system restoration.