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