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
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.
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.
Liability insurance
Essential: Liability insurance covers personal injury and property damage caused to third parties as a result of your business activities.
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.
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.
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.
In what industry do you operate?
Information and frequently asked questions about business insurance
Guide
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Do you have a promising business idea? Our guide will help you on your path to starting your own business.
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Commercial or professional liability: What is the difference?
Find out how liability insurance protects against financial risks and the differences between commercial and professional liability.
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LAI explained – simply and concisely
How does mandatory accident insurance actually work – and who is covered? Our compact guide has answers to all the important questions on the subject.
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Accident or illness: Differences simply explained
An accident or illness can happen to anyone, but what about continued pay? We explain the consequences under insurance law.
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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.
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IT contingency plan: How SMEs protect themselves
Nowadays, no company can afford a prolonged IT system failure. In the best case, the failure "only" costs money; in the worst case, it costs the company its existence. Every company therefore needs an IT contingency plan.
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Plan B: Business continuity plan for SMEs
When IT stands still, most companies stand still. This is why SMEs – which are increasingly falling victim to cyber attacks – need a continuity plan as a plan B.
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