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, and these mainly concern insurance 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.
Whether a start-up or combination discount, one-time or permanent discount, the self-employed and start-ups benefit from attractive discount options with AXA. These help your budget in the initial phase and give you more room to grow.
Do you have any questions about your discount options? We will be glad to advise you.
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 employees 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 scheme, so they aren’t insured against unemployment.
Whatever your company’s legal form, it’s important to ensure that your insurance solution suits your family’s needs. Self-employed people with no dependents can improve their risk coverage by paying into Pillars 3a and 3b. If you’re living with a partner and have children, you should also pay into an OPA pension as well as save capital in Pillar 3. This will allow you to maintain your whole family’s usual standard of living if you’re unfit for work due to sickness or an accident.
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.
From coming up with your business idea to choosing the right legal form and arranging insurance and pensions, our checklist takes you through the most important steps in starting a new business.
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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