Qualibroker-Swiss Risk & Care perceives itself to be an architect of insurance solutions. While searching for the coverage most adapted to its clients’ requirements, both corporate and individual, Qualibroker-Swiss Risk & Care has developed a functional agility that guarantees responsiveness and innovation. A sort of “start-up culture” that spurns ready-made thinking and demands to be challenged in its quest for excellence.
This positioning does not prevent the use of rigor and method. Our experts systematically base themselves on an analysis of your situation to provide full protection for your company, your staff or yourself and your family.
The insurance reimburses the new value of valuable objects that are stolen or destroyed. It also covers collateral damages, such as repairing the lock on the front door or replacing the glass in a window. If you are a tenant, the property owner must contact their insurance to cover the repair costs. Therefore, you need to inform them as soon as possible.
Jewellery and cash stolen during a burglary are only partially covered. In the case of simple theft, cash is not replaced.
The current value refers to the new value minus the loss of value due to age, use, or wear and tear.
Whether it concerns household items, buildings, corporate inventories, or vehicles, insured damages are covered by private insurance or Cantonal Fire Insurance. Risks related to natural forces – such as high water and flooding, storms and hail, avalanches and snow pressure, landslides, rockslides, and falling rocks – are covered by ordinary fire insurance. However, a deductible is applicable (e.g., CHF 500 for household insurance).
According to the Federal Law on Health Insurance, all persons residing in Switzerland are required to enroll in health insurance within three months of their arrival. If they do not, the Canton or Commune of residence will automatically enroll them.
In case of an emergency, all care is covered by your health insurance. If care is provided in a European Union member country, your expenses are covered according to the legislation of the country you are in, upon presentation of your European Health Insurance Card.
You must inform your employer (supervisor and HR department) who will then notify the insurer.
The daily indemnity amounts to 80% of the salary and is paid starting from the third day after the accident.
The maternity allowance is paid from the day a viable child is born and for a maximum of 98 days, or 14 weeks (seven daily indemnities are paid per week). The right to the allowance ceases on the day the mother resumes gainful employment, regardless of her activity level or its duration.
Cantons may provide for a maternity leave longer than 14 weeks. Cantonal AVS offices can provide more information on this subject. Some employers also offer extended maternity leave: check with your employer’s HR department.
Anyone with gainful employment must be insured with Disability Insurance (AI). Those who, due to health reasons, are partially or fully unable to perform their usual tasks are entitled to AI benefits, which mainly consist of rehabilitation measures.
Like all companies, SMEs are required to provide accident insurance coverage for their employees. However, insurance for daily indemnities due to illness is optional.
As a business owner, you are not legally required to subscribe to insurance for loss of earnings due to illness. However, you are legally obligated to continue paying salaries to employees on sick leave, according to the Code of Obligations. This situation can quickly become costly for a company. Loss of earnings insurance helps cover these salaries.
If you are self-employed and unable to work for a period, loss of earnings insurance can also provide valuable support through daily indemnities.
A self-employed worker is largely responsible for their own pension provisions and must choose their own business insurances.
Only Pillar 1 is mandatory for a self-employed worker, while Pillar 2 is not obligatory but strongly recommended to ensure a comfortable retirement.
Business insurances are not strictly obligatory for a self-employed individual but are also highly recommended. Purchasing accident insurance ensures you receive daily indemnities. Additionally, medical expenses not covered by health insurance will be covered.
If your company is registered as a public limited company (Société Anonyme - SA) or a limited liability company (Sàrl), you have several insurance obligations.
Even if you do not have employees, you are considered your own employee if you pay yourself a salary. Therefore, you must contribute to Occupational Pension Provisions (LPP or Pillar 2) in addition to Pillar 1 (AVS, AI, and APG). You must also obtain accident insurance as an employee.
If you hire employees, they must also be affiliated with the LPP if they earn an annual salary of at least CHF 21,510 (2021 figure). Your employees must also have accident insurance coverage.
Even though the following insurances are not mandatory, we strongly recommend that you take them out. They are the best way to mitigate risks associated with any activity, especially when managing staff.
Optional insurances include:
- Commercial Liability Insurance to cover damage caused to third parties by your products, activities, or infrastructure - Property Insurance to cover your company’s property - Legal Expenses Insurance to cover you in case of disputes with an employee, client, supplier, or any other third party
Discover all the key figures relating to insurance and pension
Floods in the canton of Vaud, gale-force winds in the Neuchâtel mountains, a hailstorm in the Valais countryside, and record-breaking heat across the country; Switzerland has experienced extreme weather events that are increasingly severe and frequent, to the extent that insurance capacity for damages caused by natural disasters has become an area of concern.
What if insuring your business became child’s play, and taking out an insurance policy was just a matter of a few clicks? Utopia? Not at all. The dream becomes reality with a framework agreement. Here’s how:
Switzerland, renowned for its robust pension system, is facing major challenges as a result of its aging population and growing economic pressures.