Insurance for company founders

How well do you insure your startup?

Insurance companies will cover the costs for you in the event of exceptional damage or damage through no fault of your own. The right insurance policies can protect your company from bankruptcy in the event of an emergency. We will give you an overview of the social insurance schemes and other recommended insurances.

Insurance check

So that you know immediately what you really need. After a few clicks you will find out what your insurance needs are!

Social insurances for company founders

Entrepreneurs have a duty to take care of social insurance for themselves and for any employees. Detailed information on social insurance can be found in the Confederation's SME Guide.

Owner of a sole proprietorship or general partnership

Social insurance is an important issue for self-employed people right from the start. The following is a brief overview of the most important points that need to be considered when starting out as a self-employed person.

Mandatory social insurance

  • Old Age Insurance (OASI) / Invalidity Insurance (IV) / Fund for loss of earned income (EO)
  • Family income supplement

Voluntary social insurance

  • Pension fund (2nd pillar)
  • Insurance for accidents at work
  • Insurance for non-occupational accidents

Cannot be completed

  • Unemployment Insurance (ALV)

All employees including owners of a PLC or LLC

The founders of an PLC or LLC are entrepreneurs and at the same time their own employees. They are therefore considered to be employed for social insurance purposes. In this case, the following insurances are obligatory.

Social insurance

  • Old Age Insurance (OASI) / Invalidity Insurance (IV) / Fund for loss of earned income (EO)
  • Family income supplement
  • Unemployment Insurance (ALV)
  • Insurance for accidents at work

Social security from an annual income of CHF 21'330

  • Pension fund (2nd pillar)

Social insurance if working more than 8 hours a week

  • Insurance for non-occupational accidents

Other important insurances

Self-employed people who have recently set up a startup often do not think of insurance. But caution is better than indulgence, especially for independent startups.

Property insurance

So that you are not left empty-handed in the event of a claim, property insurance covers material loss, loss of earnings, additional costs as well as evacuation and disposal costs. In the event of damage, your property insurance covers the damaged objects and equipment.

Vehicle insurance

With a vehicle insurance you insure yourself against damage claims in connection with a vehicle of your company fleet. Motor vehicle liability insurance is compulsory and covers the motor vehicle owner's liability risk in the event of damage to third parties in the event of an accident. Additional voluntary hull insurance also covers any damage to your own vehicle.

Public liability insurance

The public (or business) liability insurance assumes justified claims for damages and defends all other claims for you.

As a rule, a distinction is made between four risks:

  • Investment risk: As the owner of land, buildings or facilities, you are liable for everything that happens on your property.
  • Operational/occupational risk: As an entrepreneur, you are liable for your own professional activities and the actions of your employees as well as for the omission of important measures in the company.
  • Product risk: As a manufacturer, you are liable for your products from manufacture to use by the end consumer.
  • Environmental risk: As a business owner, you are liable for damage to the environment caused by your company.

Legal protection insurance

Legal expenses insurance saves you time and trouble. Be it in disputes with the landlord, if your insurance does not pay according to the contract or if the person responsible for the accident denies his fault after an accident. The legal expenses insurance offers you comprehensive protection and can be optimally aligned to the risks of your company through basic and additional modules.

Professional liability insurance

Professional liability insurance provides comprehensive protection. Whether it's inadequate advice or errors in your service - if it can lead to financial loss for your customer, your professional liability insurance covers the loss. The same applies to personal injury and property damage if they are caused by carelessness.

Daily sickness allowance insurance

Your employees may be absent due to illness or pregnancy. However, depending on the canton and the length of their employment, they may be entitled to up to 6 months' pay. With daily sickness benefit insurance, it is not you who bear the cost risk, but the insurance company. Incidentally, you as the company owner can also receive daily sickness benefit in the event of an accident or accident.

Our tips for company founders

Your business idea is unique. Nevertheless, there are a few points that all founders should consider carefully. Here you will find our assistance:

Develop a business strategy

A business idea is important. But only the right strategy defines which steps you should take and when. With the Canvas method you can track down your goals.

more information

Create a business plan

The business plan contains everything that can make your company successful. With a serious business plan you reduce the risks significantly. Use our tips for this purpose.

more information

Consider all tax aspects

Depending on the type of company you want to set up, you will benefit from other tax aspects. Partnerships are taxed differently from corporations.

more information

Compare insurances

Concluding the right insurance contract can save your company from bankruptcy if the worst comes to the worst. In this way, you can find the insurance policies that suit your requirements.

more information

Pension fund withdrawal

With the step into self-employment, you may also wonder whether you can withdraw your pension fund shares in advance. Our instructions will help you.

more information

Do your own accounting or outsource it?

If you are self-employed, you must keep track of all your expenses and income in order to be able to provide information on this at all times. This task is often too challenging for many company founders. Find out here whether it makes more sense for you to outsource your accounting or to do it by yourself with the appropriate software.

more information
  • Full cost transparency
  • Your finances always under control
  • Completely digital accounting
  • All documents practically in the cloud
  • We advise you personally
are you ready?

Make your dream of your own company come true!

If you have any questions about our services, you can contact us at any time. Either by telephone, by mail or by booking an appointment online.

Arrange an appointment now
DE:  +41 52 269 30 80
FR:  +41 22 735 96 66
IT:   +41 91 922 81 32
EN: +41 52 269 30 80

E-Mail: info@startups.ch