Startup life is stressful enough - good to know that the insurance issue is in good hands

Mandatory from entry threshold CHF 22'680.-.

We always place the customer with the cheapest provider. For new companies, the customer is usually tied in for 3 years. If possible, include an annual right of termination. Risk class/premium depends on the type of business. At the beginning, premiums are low because the wage bill is low. As the company grows, the wage bill increases and so does the premium. For companies with fewer than 5 employees, health questions are asked almost everywhere. Possible providers: Axa, Helsana, Mobiliar, Vaudoise, etc.

The costs of a pure office liability insurance are very low. It is part of it - definitely do it. Important: Have the job description recorded very precisely and, if necessary, have examples of damage "approved" by companies. Possible providers: Helvetia, Zurich, Mobiliar, Axa, Liberty, Chubb etc.

Some companies wait the first 1-2 years and only then take out legal protection. Others want to have the risk insured from the start. Make a thorough comparison - especially the exclusions. Possible providers: Arag, Protekta, CAP, Orion, Dextra etc.

Often required by future VRs. Business plans, annual accounts, etc. must be submitted. It is not always easy to find a solution for startups. Possible providers: Zurich, Axa, Chubb, Dual Swiss, Markel, etc.