What types of mandatory insurance do companies need to have?
This essentially depends on the legal form.
In the case of legal entities (SA, SARL, association etc.), anyone on the company payroll is considered an employee, including the managing director. These companies are obliged to take out occupational retirement provision (pension fund) and accident insurance (LAI) for their employees.
Occupational retirement provision is mandatory for all employees who earn at least 21,330 Swiss francs.
Occupational accident cover is always compulsory as soon as employees with salaries subject to AHV contributions are employed. As soon as a salaried employee works more than eight hours per week, cover for non-occupational accidents is also compulsory.
Liability insurance is also mandatory for some activities and professions; for example, lawyers. However, there are other relevant factors.
Our SME-Check shows you which types of insurance are mandatory for your company and gives you recommendations for other important insurance types.