Business Insurance

This insurance covers the bodily, material and financial damage you could unintentionally cause to a client or third party. The level of cover varies according to your sector. Regulated professions (doctors, lawyers, architects, trustees) are required by law to hold professional liability insurance.

LAA covers medical costs, daily allowances in the event of incapacity to work and invalidity pensions. Employees working more than 8 hours a week are covered for both occupational AND non-occupational accidents. Self-employed people can take out LAA voluntarily.

Pillar 2 complements the AVS (pillar 1) and is an essential part of retirement provision in Switzerland. As an employer, you must affiliate your employees with a pension institution. Contributions are shared between the employer (at least 50%) and the employee. Comparing offers helps you find the best terms and returns.

This insurance covers lawyers' fees, court costs and expert assessments in the event of a dispute. It covers contractual disputes with your clients or suppliers, conflicts with employees (employment law), tax litigation and disputes relating to your commercial premises.

Without this insurance, the employer is required to pay the salary according to the Bern or Basel scale (from 3 weeks to 6 months depending on seniority). Loss-of-earnings insurance takes over and generally pays 80% of the salary for 720 days. It's a key factor in attracting and retaining talent.

This comprehensive cover includes commercial buildings, professional furniture and equipment, stock and goods, as well as business interruption in the event of a claim. It allows you to quickly resume your business after an unexpected event.

With growing digitalization, cyberattacks represent a major risk for Swiss SMEs. This insurance covers data restoration costs, crisis management, notifications to affected individuals (GDPR/FADP), third-party damage and business interruption caused by a cyberattack.