Enterprise

Compulsory accident insurance protects employees working in Switzerland against the health and economic consequences of occupational and non-occupational accidents or occupational diseases.

Property insurance covers movable items such as goods, equipment or tools and effects belonging to guests, visitors or employees. The insurance covers fire, natural hazards, burglary, water and glass breakage.

Voluntary daily allowance insurance covers the risk of a temporary loss of earnings if you are partially or fully unable to work due to illness, maternity or an accident.

Commercial legal protection (also called business legal protection, company legal protection or corporate legal protection) is an indispensable cover for the self-employed, as it covers costs arising from legal disputes. For example, attorney fees and litigation costs are reimbursed.

Public liability insurance is one of the commercial insurances. It covers damage in a professional context that you or your employees cause to third parties or their property. In addition to personal injury and property damage, consequential financial losses (so-called "non-genuine financial losses") are also covered.

The occupational pension plan (BVG) consists of a mandatory and a non-mandatory (voluntary) part. In the mandatory part, annual salaries are insured up to a maximum. The portion of the salary above this is considered to be super-mandatory.