Day-to-day work can often be hectic, and you can quickly lose sight of the essentials. 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 taken into account here. With the insurance check for SMEs, we can help you develop the solution tailored to your requirements.
A water pipe bursts at you company's premises and the whole warehouse is flooded, which means that the company is temporarily unable to continue full operations. As a result, certain deliveries cannot be made and you receive a number of customer complaints due to breach of contract. Amid the chaos, you are unable to take a planned business trip. To cover these costs you need at least a movables insurance policy for the water damage, company legal protection insurance and Assistance insurance. The SME business insurance represents the comprehensive solution for you, with individually combinable products, so that your company is protected against such costs in case of a claim. You can cover all your SME's damage insurance needs with this product. This way, you can focus on your core tasks.
Do you have five or more vehicles in use at your company? With the fleet insurance, we've got the right solution for you. Here you can include the compulsory liability insurance, the partially comprehensive or fully comprehensive cover and various additional insurances for all company vehicles under one policy.
You invest in materials, facilities, goods, IT equipment and much more for your company. The replacement of your entire inventory would incur huge costs in case of a claim. 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. The law merely stipulates minimum benefits. However, 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, improved survivors' benefits with a reduced waiting period and/or higher benefits for the disability pension. With the flexible, transparent, affordable and guaranteed secure fully comprehensive insurance, you can leave your employees' pension solutions to Helvetia and focus on your core business. With the managerial pension solution you can also cover the additional needs of employees with particular 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 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 the door and knocks him down.
There are numerous other 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.
As a Managing Director you have to attend an important business meeting abroad. However, a volcanic eruption grounds all flights and you have to cancel your meeting. Or you are already on a business trip and have to be transported to the nearest hospital or even home due to illness or an accident. The Assistance insurance, which can be concluded through the SME business insurance, covers the costs if you or your employees are unable to start a business trip or have to cut it short, or your company car breaks down.
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, 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. For example, 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 technology 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 a machine 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 from Helvetia.