SME insurance in Switzerland: Protection for your company
We help small and medium-sized enterprises keep track of important SME insurance policies in Switzerland.
To help you better understand:
• which insurance policies are mandatory
• which supplementary solutions may be worthwhile
• how to properly insure your company
Insurance solutions for Swiss SMEs – simply explained
Every company has different requirements – depending on:
• Industry
• Legal form
• Number of employees
• Company size
• Day-to-day risks
In Switzerland, there are mandatory insurance policies as well as voluntary supplementary solutions for companies.
Mandatory insurance for SMEs
Social security systems
Depending on the company, this includes:
• AHV (Old-age and survivors’ insurance)
• IV (Invalidity insurance)
• EO (Income compensation insurance)
• ALV (Unemployment insurance)
• Family compensation fund (FAK)
• UVG (Accident insurance)
• BVG (Occupational pension scheme)
These insurance policies serve to protect employees and employers.
Accident Insurance (UVG)
Accident insurance for employees is mandatory in Switzerland.
It provides coverage for:
• Occupational accidents
• Non-occupational accidents
• Occupational diseases
An important mandatory area for employers.
Occupational pension provision (BVG)
Occupational pension provision becomes relevant as soon as employees reach the statutory entry threshold.
Important for the long-term security of your employees.
Other important insurance policies for SMEs
Business liability insurance
Protects your company against:
• Personal injury or property damage
• Damage involving customers or third parties
• Liability claims arising from day-to-day business operations
Particularly important for many industries.
Inventory and Property Insurance
Coverage for:
• Office inventory
• Machinery
• Equipment
• Stock & furnishings
An important mandatory area for employers.
Business Interruption & Daily Sickness Allowance
Depending on the company, other solutions may be appropriate:
• Daily sickness allowance insurance
• Business interruption insurance
• Legal protection insurance
• Industry-specific solutions
Tailored to your company and risk.
Combined SME Insurance Solutions
Many areas of insurance can be bundled into a combined SME package.
This ensures:
• greater clarity
• simpler administration
• coordinated solutions
• more efficient organization
Your benefits
• Clear advice without complex technical jargon
• Support for new and existing SMEs
• Assistance with mandatory and voluntary insurance
• Suitable for the self-employed and businesses with employees
• Personal service and a simple inquiry process
Who is our consulting service suitable for?
Ideal for:
• Founders
• SMEs in Switzerland
• Self-employed individuals
• Small businesses
• Growing enterprises
• Companies with employees
Particularly useful when starting a business or during company growth.
Here is how the consultation works
- Inquiry
You let us know what type of business you run or wish to start. - Needs Analysis
We discuss your industry, workforce, and specific situation. - Guidance
We explain mandatory requirements and beneficial additional solutions. - Feedback
You receive personalized information and support. - Further Support
If needed, we also assist with:
• Company formation
• Web design
• Google Maps optimization
• Other business solutions
Frequently Asked Questions About SME Insurance
Which insurance policies are mandatory for SMEs?
Is business liability insurance automatically included?
Are there combined solutions for SMEs?
Is every SME insurance policy the same?
Jetzt KMU-Beratung anfragen
Teilen Sie uns mit:
• welche Versicherung Sie interessiert
• welche Fragen Sie haben
• ob es um Privat oder KMU geht
- Wir unterstützen Sie mit einer persönlichen und verständlichen Beratung.
Direkt per WhatsApp starten
Do you want a quick answer or personal assistance?
Contact us directly via WhatsApp:
- Quick response
- Personal consultation
- Simple and straightforward
Discuss starting a company now
Briefly describe your project to us – we will get in touch for a no-obligation initial consultation and outline your options and the associated costs.
