An employee on long-term sick leave, a claim that engages your liability, a poorly calibrated LPP pension: these risks can be costly. We audit your cover and optimise your social security costs.
Your employees' 2nd pillar is also a lever for attractiveness and tax optimisation. A well-designed LPP plan retains your teams while keeping your costs under control. Solutions vary widely from one fund to another.
Compulsory from the first employee, it covers occupational and non-occupational accidents. The rates and supplementary benefits (LAA-C) are worth comparing regularly.
An employee, or you as a self-employed person, on prolonged sick leave without loss-of-income cover puts your cash flow at risk. Daily allowance (IJM) insurance takes over from the salary.
Covers damage caused to third parties in the course of your work. Essential for most trades, and required by many clients and principals.
The most underestimated risk: for a self-employed person, the lack of loss-of-income cover in the event of illness. Unlike accidents (LAA), illness is not automatically covered, so an incapacity of several months can halt all income.
Optimise your employees' 2nd pillar and your costs.
Legal obligations and supplementary benefits.
Protect your income in the event of illness.
Cover your professional liability.
Commercial, employment and administrative disputes.
Reduce tax in high-income years.
We carry out a free, impartial audit of all your business cover, compare offers from more than 50 Swiss insurers and identify possible savings without reducing your protection. A single point of contact for your whole company.
From the first employee: AVS/AI, LAA (accident) and, above a certain salary threshold, LPP (2nd pillar). The other covers (daily allowances, liability, legal protection) are strongly recommended depending on the activity.
Not automatically. Accidents can be covered via the LAA, but loss of income due to illness requires a specific daily allowance insurance, which is often overlooked.
Yes, free and with no obligation: we analyse your existing policies, spot overlaps and gaps, and compare them with the best offers on the market.
Get your company's insurance audited, free of charge
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