Insurance according to legal structure

 

Sole proprietorship

General partnership

Limited liability company (SARL)

Corporation (SA)

Old-Age and Survivors' Insurance (OASI), Disability Insurance (DI)

Mandatory

Mandatory

Mandatory

Mandatory

Unemployment Insurance (AC)

Non-insurable

Non-insurable

Mandatory

Mandatory

Family allowances (AFam)

Mandatory (since 01/01/2013)

Mandatory

Mandatory

Mandatory

Allowance for loss of earnings (APG)

Mandatory

Mandatory

Mandatory

Mandatory

Accident Insurance (UV): Occupational Accidents

Mandatory for personnel - the business owner may be insured privately (health insurance) or through the company

Mandatory for personnel - the business owner may be insured privately (health insurance) or through the company

Mandatory

Mandatory

Accident Insurance (UV): Non-occupational accidents

Mandatory for personnel working 8 or more hours per week - the business owner may be insured privately (health insurance) or through the company

Mandatory for personnel working 8 or more hours per week - the business owner may be insured privately (health insurance) or through the company

Mandatory for 8 or more hours of work per week

Mandatory for 8 or more hours of work per week

Occupational Pension (OP)

Optional - only mandatory for personnel earning an annual salary greater than CHF 21'150

Optional - only mandatory for personnel earning an annual salary greater than CHF21'150

Mandatory for an annual salary greater than CHF 21'150

Mandatory for an annual salary greater than CHF 21'150

Daily sickness indemnity insurance

Optional

Optional

Optional

Optional

Professional civil liability

Mandatory for certain businesses (e.g. garages)

Mandatory for certain businesses (e.g. garages)

Mandatory for certain businesses (e.g. garages)

Mandatory for certain businesses (e.g. garages)

Corporate civil liability

Optional

Optional

Optional

Optional

Building owner liability insurance

Optional

Optional

Optional

Optional

Building insurance

For building owners, mandatory fire and natural disaster insurance

For building owners, mandatory fire and natural disaster insurance

For building owners, mandatory fire and natural disaster insurance

For building owners, mandatory fire and natural disaster insurance

Property insurance

Optional

Optional

Optional

Optional

Motor vehicle insurance

Liability insurance for automobiles is mandatory - comprehensive insurance optional

Liability insurance for automobiles is mandatory - comprehensive insurance optional

Liability insurance for automobiles is mandatory - comprehensive insurance optional

Liability insurance for automobiles is mandatory - comprehensive insurance optional

Technical insurance (ETI installations, general technical installations, machinery breakdowns, comprehensive machinery coverage)

Optional

Optional

Optional

Optional

Business interruption insurance

Optional

Optional

Optional

Optional

Transport insurance

Optional

Optional

Optional

Optional

Assembly insurance

Optional

Optional

Optional

Optional

Travel insurance

Optional

Optional

Optional

Optional

Legal protection

Optional

Optional

Optional

Optional

Corporate officer liability insurance

Optional

Optional

Optional

Optional

Source: CMK advice GmbH, Zurich

Last modification 21.08.2018

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