Basic obligations in Switzerland
Mandatory insurance depends on your legal form, your status and the presence of collaborators. The managers of an SA or a Sàrl are generally considered to be employees of their company, while an individual self-employed person has more optional coverage to organize himself.
As soon as you employ staff, you must manage social insurance: AVS/AI/APG, LAA accident insurance and LPP professional pension provision when the salary exceeds the legal threshold. Accident insurance covers professional accidents for employees and non-professional accidents from the hourly threshold provided for by the LAA. The LPP supplements the 1st pillar for old age, disability and death.
The risks that threaten an SME
- Responsibility: a customer, supplier or third party claims damages after bodily, material or financial damage.
- Property and premises: fire, water damage, theft, broken glass or natural event affects your premises, machines or goods.
- Cessation of activity: a claim blocks production, point of sale, billing or customer service.
- Cyber: ransomware, payment fraud, data leaks or system interruptions put the company under pressure.
- Collaborators: accident, long-term illness, obligation to maintain salary, LAA gaps or poor LPP coordination.
- Governance: an administrator, manager or member of management is personally implicated.
Our main business solutions
- LAA accident insurance : respect the employer obligation and complete the gaps with a LAAC if necessary.
- Loss of wages due to illness : protect the company and employees during long absences.
- Professional pension : structure the LPP and framework plans according to salaries and needs.
- Professional civil liability : cover errors, damages and claims linked to your activity.
- Trade insurance : protect inventory, stock, premises, operating losses and commercial liability.
- Technical insurance : cover machines, IT, installations, assembly and technical interruption.
- Cyber insurance : manage ransomware, data leaks, crisis costs and IT interruption.
- Business legal protection : be supported in the event of a dispute with a customer, supplier, employee or lessor.
- Assurance D&O : protect the private assets of bodies and managers.
How Finwise builds your coverage
We start from your actual activity: legal form, workforce, payroll, turnover, premises, machines, data, customer contracts, suppliers, investors and critical dependencies. Next, we distinguish between what is mandatory, strongly recommended, optional or already covered elsewhere.
This method avoids two costly mistakes: forgetting essential coverage or accumulating poorly coordinated policies. An SME does not need an insurance catalog, but a coherent plan that protects its operations, its liquidity and its key people.
When to do an audit?
- You create a company, go from independent to Sàrl/SA or hire your first employees.
- Your turnover, stock, machinery or payroll has increased significantly.
- You sign a commercial lease, a large customer contract or a call for tenders.
- You digitize your processes, launch an online store or process more customer data.
- You welcome investors, an external administrator or new management.
Our support
Finwise compares offers on the Swiss market, checks legal obligations, exclusions, ceilings, deductibles and duplicates. You get an understandable and actionable recommendation to protect your business without overinsurance.