20% online discount for many SME insurance products
Even young start-ups sometimes encounter bad luck in their day-to-day work. And mistakes occasionally happen. To make sure this doesn’t mean the end of your self-employment, there’s start-up insurance from AXA. Find out from our insurance check how you can protect yourself against risks in the start-up phase, so that you can concentrate wholly on your opportunities.
Or would it be better to ask what types of insurance does your new business need? Insurance is taken out to cover you against anything that could throw you off course in your self-employment. This could be a fire in the warehouse or coffee on your company laptop – insurance offers protection against risks that could endanger your dream of running your own business.
Choosing insurance cover is not about being able to show that you have a certain number of policies. Instead you should think about which risks your young company faces. And what you would like to insure yourself against.
Only very few types of insurance are compulsory for start-ups and the self-employed, Most of these relate to coverage for employees. Business owners are free to choose any other kind of insurance cover. Rightly so, as this is how they keep a grip on the greatest risks to their business.
Have you become self-employed in the past 12 months? Then you can take advantage of a 20% online discount on the first annual premium of your AXA property, liability, and cyber insurance as well as on the annual premium of your supplementary accident insurance during the initial contract term. The discount campaign runs until September 17, 2023, and can be extended by AXA after that. The discount cannot be paid out retroactively.
Things are easier with a strong partner by your side - we believe in your success and would like to support you as best we can on your journey to becoming an established business. AXA therefore offers new business owners access to exclusive tools, workshops and events, ranging from liquidity planning to networking events.
We're not just there for you if you have a claim - many of AXA's insurance and occupational benefits solutions include helpful additional services that help ease your day-to-day life as a start-up, from the employee benefits platform to free legal advice.
Social security insurance is compulsory. The various types protect Swiss residents against risks and secure their financial existence. Employees and the self-employed make financial contributions.
The legal form you choose determines which types of social insurance are compulsory for new businesses. The compensation offices, and in some cases the Swiss National Accident Insurance Fund (Suva), decide who qualifies as self-employed for the purposes of social insurance.
There are different types of social security insurance which include the following:
The most important types of business insurance for new companies include:
Depending on the type of company and sector, many self-employed also choose the following cover:
Self-employed people in Switzerland can’t register with the state unemployment insurance program, so they aren’t insured against unemployment.
Anyone registered as self-employed with the compensation office can withdraw occupational benefits for use as start-up capital. You can also withdraw tax-privileged capital saved in Pillar 3a to invest in your business. Such withdrawals are taxed at a special low rate.
Sole proprietors and partners in a general or limited partnership qualify as self-employed. You need to file your application within a year of becoming self-employed.
Owners of a company limited by shares (AG) or a limited liability company (GmbH) are classed as employees. They aren’t allowed to withdraw money from Pillar 2 or Pillar 3a for their business. This is why, in practice, many people first set up a sole proprietorship, which they then change into an AG or GmbH at a later date.
What do you need to bear in mind when starting out on your own? We have compiled the most important tasks and tips for you on setting up a company.
How much starting capital do I need to become self-employed? What ongoing costs can I expect? We answer the most important financial questions here on self-employment.
Becoming self-employed can lead to worries about long-term financial security. A Pillar 3a pension plan is a good way to dispel them.
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