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In Switzerland, contributions to certain insurances, such as occupational pensions (pension fund, 2nd pillar) and tied pensions (pillar 3a), can be deducted from tax. These contribute to old age, survivors’ and disability benefits and are tax-privileged. Other insurance benefits, such as business liability insurance, can be deducted as business expenses, provided they are directly related to business activities.
Business liability insurance offers protection for damages caused by the company’s operational activities or products, while professional liability insurance is specifically designed to cover the occupational risks of individual professional groups, such as doctors or architects, and generally covers financial losses resulting from errors in professional practice.
When it comes to business liability insurance, it is important to analyse the company’s specific risk profile in order to tailor the insurance cover accordingly. This includes assessing plant, operational, product and environmental risk, as well as taking into account all activities that could potentially give rise to third-party liability claims.
Yes, in Switzerland there are compulsory social insurances that every company must take out for its employees. These include old-age and survivors insurance (AHV), disability insurance (IV), income replacement scheme (EO), unemployment insurance (ALV) and accident insurance (UVG). These insurances form the social safety net and are required by law.
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Every company in Switzerland must meet legal insurance requirements, with the legal form of the company determining which policies are mandatory. The standard includes social insurances such as AHV, IV, EO, ALV, BVG and UVG, which represent an essential part of the financial protection for entrepreneurs and employees. These basic insurances cover basic risks such as illness, accidents, pregnancy and unemployment.
A careful risk analysis before taking out such insurance is crucial. Certain professional groups are also legally required to take out liability insurance. Alternatively, other options such as business interruption, property, cyber, installation and credit insurance are available to ensure a comprehensive safety net for your company. Do you have questions about insurance policies that protect your business? Simply fill out our contact form and let us work out the right solution together.
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