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SME check

11 key questions – assess your risk exposure in three minutes.

The Helvetia SME check gives you a quick overview of how well prepared you are for a potential risk situation. In every phase of your company's life – from the start-up stage through to succession planning – there are 11 key questions to consider.

Answer the following questions completely spontaneously. When you’ve finished you’ll get your personal assessment with recommendations.

1. Business risks: Have all significant risks (e.g. default risks, supplier risks, liquidity risks) been analysed and either minimized by taking appropriate measures or secured against through adequate financial cover? Without sufficient insurance cover, the financial consequences of a loss could jeopardize or even destroy a company’s viability.
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2. Correct sum insured: Do you consistently take the most important measures to avoid being overinsured or underinsured? The sum insured needs to be equal to the actual value of the goods and equipment in question.
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3. Contractual and statutory liability risks: Are current and future liability risks known and adequately covered financially? The question of liability is constantly changing – partly because of new products and changes in legislation.
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4. Mobility and supply chains: Have your risks in the event of a breakdown of your means of transport (e.g. delivery van) or an interruption of your supply chains been minimized and have appropriate measures been taken to safeguard against the financial implications? Losing your means of transport or having your supply chains interrupted and incurring the resulting additional costs can significantly restrict your liquidity.
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5. Legally watertight contracts: Have your company’s key contractual business relationships (with business partners, staff, customers and suppliers) been checked by lawyers? Examples: contracts of employment , STI, contracts with cooperation partners, data protection statement, etc.
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6. Legal disputes: Have you ensured that your company can count on prompt professional support should it face a potential legal dispute? High costs prevent many companies from enforcing their claims, resulting in high financial losses.
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7. Cybercrime: Are you aware of the threats facing your company, and are organizational and technical measures in place to minimize and systematically protect against cyber risks? Cyber risks include fake e-mails or websites used to try to steal user data and passwords from your staff.
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8. Employee benefit scheme: Do existing staff insurance policies (accident/health insurance, pension fund) meet all minimum legal requirements, including the requirements of the collective employment agreement?
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9. Premium optimization: Does the choice of deductibles and waiting periods take account of the liquidity at your company’s disposal?
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10. Key people: Is your company familiar with pension and insurance options designed to strengthen the loyalty of key management staff or family members and does it make targeted use of such options? The question of safeguarding the financial security of the owner and his or her family members working for the company is one that often receives little attention.
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11. Tax optimization: Are you aware of all the options for exploiting tax advantages through insurance and is your company systematically making use of these options?
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Please note: This online check is not a substitute for a detailed analysis of your company’s risk landscape and, in particular, it is not a substitute for advice from specialist IT experts, tax experts or legal advisors. For an analysis of your insurance needs we recommend a comprehensive individual consultation with a Helvetia insurance expert.