In Switzerland, contributions to certain insurance policies, such as occupational pension plans (pension fund, 2nd pillar) and tied pension plans (pillar 3a), are tax-deductible. These contribute to old-age, survivors' and disability provision and are tax-privileged. Other insurance benefits, such as business liability insurance, can be deducted as business expenses, provided they are directly related to the business activity.
Public liability insurance provides cover for damage caused by the company's business activities or products, while professional liability insurance is specifically designed to cover the occupational risks of individual professional groups, such as doctors or architects, and generally covers financial losses resulting from errors in professional practice.
When it comes to public liability insurance, it is important to analyze the company's specific risk profile in order to adapt the insurance cover accordingly. This includes assessing the plant, operational, product and environmental risk as well as taking into account all activities that could potentially result in third-party liability claims.
Yes, there are compulsory social insurance schemes in Switzerland that every company must take out for its employees. These include old-age and survivors' insurance (AHV), disability insurance (IV), income compensation insurance (EO), unemployment insurance (ALV) and accident insurance (UVG). These insurances form the social safety net and are prescribed by law.
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Every company in Switzerland must fulfill statutory insurance requirements, whereby the legal form of the company determines which policies are mandatory. Standard policies include social insurances such as AHV, IV, EO, ALV, BVG and UVG, which repres...
A careful risk analysis is crucial before taking out such insurance. Certain professions are also required by law to take out liability insurance. Alternatively, other options such as business interruption, property, cyber, assembly and credit insura...
