Example of insurance costs for a company

Every company must pay various costs linked to insurance. Here is an example of a service company with three employees.

This example shows the annual costs which a service company with three employees can be expected to pay [wage bill: CHF 245,000 (CHF 115,000/CHF 75,000/CHF 55,000)]. A margin of around 20% should be calculated for property and civil liability insurance premiums.

Distribution of costs

	Employer	Employee	Total expenditure
OASI/DI/APG *	13'245	12'985	26'230
Unemployment Insurance (AC)	2,695	2,695	5,390
Family compensation fund (child benefit)	2,940		2,940
Compulsory accident insurance	198	2'862	3'060
Supplementary accident insurance (AI)	676		676
Daily allowance insurance (collective)	1,225	1,225	2,450
Pension fund (OP)	12'112	12'112	24'225
Property insurance	350		350
Business interruption insurance	180		180
Civil liability insurance	300		300
Total for all insurance types	33'922	31'879	65'801

* The employer's OASI/DI/APG contributions include administrative costs amounting to CHF 259.75

Amounts are in CHF
Source: Weibel Hess & Partner AG (2020)

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Last modification 26.04.2021