The set-up phase is associated with a great deal of expense, and you have to think about thousands of different things at the same time. We help you so that you don't lose sight of the bigger picture!
The SME⁴ consulting is a tool that helps you to coordinate all the relevant points and to immediately recognise potential gaps in your insurance. With the questionnaire specially developed by our experts, we can identify your individual needs. Existing solutions are of course taken into account in the process. With the insurance check for SMEs, we will be happy to develop the solution tailored to you.
Often there are not enough hours in the day for your workload: customers expect optimum products and services and the market demands constant adjustments. The speed of all processes is accelerating. In short: there’s no time to deal with complex insurance issues. That's why we have a simple and comprehensive solution for you, which takes into account all the insurance requirements of an SME. Find out more about the SME business insurance: here you get comprehensive damage insurance solutions in one policy.
Do you have five, six or even more vehicles in use at your company? Our fleet insurance offers you a single premium invoice for all vehicles: the compulsory liability insurance, the partially comprehensive or fully comprehensive cover, and various additional insurances. With us you get everything from one source.
In the start-up phase, money is often in short supply. In addition to the start-up capital, you need to invest in materials, facilities, merchandise and IT equipment. You can protect your business against damage from fire, water or burglary as well as any resulting business interruption with the property insurance.
The occupational benefit scheme for your employees is an important responsibility for you as an employer. While the law stipulates minimal benefits, you can improve the pension benefits to the advantage of your employees so that they are well looked after in case of death, invalidity or after retirement: for example with an additional lump-sum payable on death and improvements in the survivors' benefits, with a reduced waiting period and higher benefits for the disability pension. With the flexible, transparent, affordable and guaranteed secure fully comprehensive insurance, you can focus on your core business. Helvetia takes care of the optimum pension solution for your company and your employees, so you don't have to. With the managerial pension solution you can cover the additional pension requirements.
A flu epidemic is sweeping through Switzerland. A lot of employees at your company are therefore not able to come to work. According to employment contract law, you as an employer are obliged to keep paying your employees' salaries when they are off work due to illness. If they are ill for a longer period of time, this can have financial consequences for your company. The same applies if an employed person is off work due to an accident. The daily sickness benefits and accident insurance ensures that the shortfall in the employees' salaries is covered and releases you from the obligation to continue salary payments.
A parquet flooring contractor accidentally drills into a heating pipe while installing the border; a restaurant customer slips on black ice on the car park of the premises and suffers a complicated hip fracture; the employee of a wood merchant is transporting wooden pallets with the forklift truck, but fails to see a customer coming out of a door and knocks him down.
There are numerous examples of how you or your employees could find yourselves liable to third parties. Damages like this can impact the very existence of your company. The company and professional liability insurance covers property damage and bodily injury, as well as financial losses stemming from these, so that you can continue doing business undisturbed.
You as a Managing Director or one of your employees have to attend an important business meeting abroad. However, a volcanic eruption and the resulting cloud of ash mean that your flight is not able to leave. The Assistance insurance – which can be concluded through the SME business insurance – covers the costs already paid for the flight and hotel, for example, if you or your employees are unable to start a business trip or have to cut it short. In addition, the Assistance insurance will support you around the clock in the event of a breakdown, an accident in the company car or a private car while on business trips.
Your customer claims a product is defective and demands a reduction in the price, which you do not believe is justified. Such disputes in the professional world can lead to legal proceedings quicker than one might expect. As an entrepreneur, if you are embroiled in legal proceedings then you will face lawyers' fees, burdens in terms of time and emotional strain, as well as cost-related and image risks. With the legal protection insurance – which can be concluded through the SME business insurance – you get legal advice and support, for example to defend against unfounded claims.
You invest in expensive technical, maybe company-specific machines, systems and devices for your company. You also have various IT devices. Compared to the other business facilities, these are subject to very particular risks. Important information can be lost through incorrect operation, or a technical device can be broken if it is dropped, gets wet or there is an electrical surge. Protect your expensive equipment from such damages with the technical insurance.
Do your operations depend on your machinery? Then take out additional insurance against business interruptions through the technical insurance.
Do you deliver your products and goods to customers? Unfortunately, losses, theft and damage are all part of the transport business. Your goods might fall from the loading ramp while the truck is being loaded, pirates might seize your ship or mice might chew through the cables of your machines during transportation. Finding the person responsible for the damage and making them pay is extremely difficult in the case of cross-border or even intercontinental transport. You can insure yourself against the risks that arise with imports, exports and inland transportation with the transport insurance.
Description: The route to self-employment is exciting, but is also expensive and time-consuming. We will be happy to resolve any insurance and pension issues for you.