{"id":1816,"date":"2025-05-12T12:30:50","date_gmt":"2025-05-12T12:30:50","guid":{"rendered":"http:\/\/invexa.ch\/?p=1816"},"modified":"2025-11-06T08:34:09","modified_gmt":"2025-11-06T08:34:09","slug":"quelles-assurances-pour-mon-entreprise","status":"publish","type":"post","link":"https:\/\/invexa.ch\/en\/insurance\/insurance-for-my-business\/","title":{"rendered":"The Business Owner\u2019s Guide to Insurance Coverage"},"content":{"rendered":"
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Insuring your business: between obligations and risk management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Starting a business also means anticipating the risks<\/strong> that could jeopardize your operations. In Switzerland, the business insurance system is divided into two categories: social insurance<\/strong> and business-specific insurance<\/strong>. Depending on the legal structure you choose (sole proprietorship, GmbH, AG, etc.), the required insurance coverage will vary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Compulsory insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

AHV and IV<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Every employer is required to contribute to AVS<\/strong> (Old Age and Survivors Insurance) and AI<\/strong> (Disability Insurance). These contributions fund the 1st pillar<\/a><\/strong> of the Swiss pension system<\/a><\/strong> and guarantee a minimum level of support in case of old age, disability, or death. For self-employed<\/strong> individuals, affiliation is also mandatory<\/strong>, and the full contribution (normally split equally between employer and employee) must be paid in full by the individual.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

APG (loss of earnings insurance)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

APG covers loss of income in special situations such as military service, civilian service, maternity and paternity. This insurance is compulsory and financed by contributions deducted at the same time as AHV and IV contributions.<\/p>

Maternity insurance<\/strong> is part of the APG (Income Compensation Allowances) system and provides replacement income during maternity leave. It entitles the mother to compensation for 14 weeks<\/strong> following childbirth, covering 80%<\/strong> of the average income earned before the birth, up to a maximum of CHF 220<\/strong> per day.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Unemployment insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Directors<\/strong> of public limited companies (SA)<\/strong> and limited liability companies (S\u00e0rl)<\/strong>, as employees of their own company, are also subject to unemployment insurance. This coverage is mandatory for all employees, but it is not available<\/strong> to self-employed individuals or to partners in general or limited partnerships.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

LAA (accident insurance)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

According to the Swiss Law on accident insurance<\/strong>, every employer must insure their employees against occupational accidents and, if they work more than 8 hours<\/strong> per week, also against non-occupational accidents. For the employer, this insurance is mandatory. As for self-employed individuals, accident insurance<\/strong> is optional but strongly recommended.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Occupational benefits (2nd pillar)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

As soon as an employee's annual salary exceeds CHF 22,680<\/strong>In France, membership of a pension fund is compulsory. This occupational pension scheme (2nd pillar) supplements 1st pillar benefits and helps maintain your standard of living in retirement or in the event of disability. Contributions are equal shares <\/strong>between employer and employee.<\/p>

Affiliation is optional for self-employed<\/strong> individuals. However, it is strongly recommended\u2014or should be substituted with a pillar 3a<\/a><\/strong> plan offering similar coverage. In fact, self-employed workers are only protected through the first pillar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Optional insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Daily Allowance Insurance in Case of Illness (IJM)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

In the event of a prolonged illness<\/strong>, the employer is required to continue paying the employee\u2019s salary for a legally defined period (e.g., based on the Bern scale). A daily sickness allowance insurance (IJM) provides replacement income to the employee after a specified waiting period<\/strong>. For the employer, it helps limit payroll costs during extended absences. While this insurance is optional under the law, many collective labor agreements make it mandatory\u2014particularly in sectors like cleaning.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Corporate liability insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

A claim<\/strong> involving a third party (client, supplier, or even a casual visitor) can quickly cost tens or even hundreds of thousands of francs. This insurance covers the financial consequences<\/strong> of such events, whether the damages are related to the company\u2019s premises, its operations, or its products.<\/p>

This insurance covers three main categories of risks<\/strong>: those related to premises<\/strong> (e.g., part of the building causes damage to external property), those related to business operations<\/strong> (such as damage caused at a client's site during an intervention), and finally, product-related risks<\/strong>, in cases of design or manufacturing defects that may cause material or bodily harm.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Professional liability insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

This insurance is essential for professions where liability arises from providing advice<\/strong>\u2014such as consultants, fiduciaries, lawyers, engineers, architects, healthcare professionals, and others. It covers financial losses suffered by a client due to an error, omission, or faulty advice. In certain professions, this insurance is mandatory<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Business interruption insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

In the event of a fire, flood, or other incident<\/strong> that temporarily makes it impossible to continue<\/strong> operations, this insurance covers loss of revenue<\/strong> and fixed costs. It is essential for businesses that cannot quickly relocate their production or services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Legal expenses insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Commercial or labor disputes can quickly lead to significant legal costs<\/strong>. This insurance covers lawyer fees<\/strong>, court expenses, and any expert assessments required to defend the company\u2019s interests.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Cyber-insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

With increasing digitalization, computer attacks and data leaks have become major risks. A cyber-insurance <\/strong>covers the costs associated with a cyber attack, including data restoration, legal assistance and crisis management.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t

Property insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Tangible assets<\/strong> often represent a significant portion of a company\u2019s capital. Production machinery, specialized tools, inventory, IT equipment, or vehicles\u2014the loss or damage of these assets can seriously threaten the continuity of business operations.<\/p>

Real estate assets<\/strong> owned by the company must also be insured. Coverage typically includes risks<\/strong> such as fire, theft, water damage, glass breakage, and natural events (such as storms or floods).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Setting up and running a business in Switzerland entails a number of responsibilities, not least of which is ensuring adequate insurance cover for yourself and your employees. Find out more about the compulsory and optional insurances you need to take out when setting up (or running) a business in Switzerland.<\/p>","protected":false},"author":1,"featured_media":1818,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[9],"tags":[62],"class_list":["post-1816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurances","tag-independant"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/1816","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/comments?post=1816"}],"version-history":[{"count":1,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/1816\/revisions"}],"predecessor-version":[{"id":5723,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/posts\/1816\/revisions\/5723"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media\/1818"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=1816"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/categories?post=1816"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/tags?post=1816"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}