Insurances for your start-up

AXA is the ideal partner for start-ups because we offer comprehensive insurance and financial solutions tailored to the needs of young companies.

With our expertise, we support you from the start to minimize risks and promote your growth. Rely on AXA for tailored advice, innovative products and a strong network to pave your way to success.

When you choose AXA as your start-up partner, you will receive a one-hour consultation with a specialist who will answer all your questions. This personalized support will help you make important decisions and ensure the best possible start for your business.

Entrepreneurs are obliged to take care of social insurance for themselves and any employees. You can find detailed information on social insurance in the federal government's SME guide.

Social insurance is an important topic for the self-employed right from the start. Here is a brief overview of the most important points to consider when starting your own business.

Mandatory social insurance:

• AHV / IV / EO
• Family allowance
  

Voluntary social insurance:

• Pension fund (2nd pillar)
• Occupational accident (UVG)
• Non-occupational accident (NBU)
  

Cannot be locked:

• Unemployment insurance

Founders of an PLC or LLC are entrepreneurs and at the same time their own employees. They are therefore considered self-employed for social insurance purposes. In this case, the following insurances are mandatory.

Social insurances:

• AHV / IV / EO
• Family allowance
• Unemployment insurance (ALV)
• Occupational accident (UVG)
  

Occupational benefits from an annual income of CHF 21,330:

• Pension fund (2nd pillar)

Accident insurance if working more than 8 hours per week:

• Non-occupational accident (NBU)

Property insurance

To ensure that you are not left empty-handed in the event of a claim, property insurance covers the property damage, your loss of earnings, the additional costs as well as the clearance and disposal costs. Your property insurance pays for damaged items and equipment in the event of a claim.

Vehicle insurance

Vehicle insurance protects you against claims for damages in connection with a vehicle in your company fleet. Motor vehicle liability insurance is compulsory and covers the motor vehicle owner's liability risk in the event of accidents involving third parties. With additional voluntary comprehensive insurance, any damage to your own vehicle is also insured.

Business liability insurance

Business liability insurance covers justified claims for damages and defends you against all other claims.As a rule, a distinction is made between four risks:Investment risk: As the owner:in of land, buildings or facilities, you are responsible for everything that happens on your property.

• Business/professional risk: As an entrepreneur, you are liable for your own professional actions and those of your employees, as well as for the omission of important measures in your business.
• Product risk: As a manufacturer, you are responsible for your products from production to use by the end consumer.
• Environmental risk: As an entrepreneur, you are liable for environmental damage caused by your company.

Legal protection insurance

Legal protection insurance saves you time and trouble. Be it in disputes with your landlord, if your insurance company does not pay according to the contract or if the person responsible for an accident denies fault. Legal protection insurance offers you comprehensive protection and can be optimally tailored to the risks of your company thanks to basic and supplementary modules.

Professional liability insurance

Professional indemnity insurance provides you with comprehensive protection. Whether it's incorrect advice or a mistake in your service - if this results in financial loss for your customer, your professional liability insurance will cover the damage. This also applies to personal injury and property damage caused by negligence.

Daily sickness benefits insurance

Your employees may be absent due to illness or pregnancy. Depending on the canton and length of employment, they are entitled to continued payment of salary for up to 6 months. With daily sickness benefits insurance, you do not bear this cost risk - the insurance company does. Incidentally, you can also receive daily sickness benefits as a company owner in the event of illness or accident.

Cyber insurance

Cyber insurance offers protection against the financial consequences of cyber attacks such as data loss, business interruption and data protection breaches. It covers the costs of recovery, legal advice and claims for damages. Companies of all sizes benefit from this protection to safeguard themselves against the increasing threats in the digital space and to protect their business processes.