Insurance for SMEs and the self-employed
Some insurance is compulsory from the first employee; other policies protect the survival of the business. An annual audit avoids both gaps and duplicates.
Updated on 23.09.2026 · Official sources cited
Accident insurance (LAA)
Compulsory for all employees. It covers occupational accidents and, for people working at least 8 hours a week, non-occupational accidents. The daily allowance is 80% of the insured salary. The self-employed can take it out voluntarily.
Sickness loss of earnings
Not compulsory at federal level, but often required by a collective agreement. Without this insurance, the employer must keep paying the salary for a limited period that depends on length of service. The insurance protects cash flow and generally provides 80% of salary for 720 days.
Occupational pension (LPP)
Compulsory for employees whose annual salary exceeds the entry threshold (22'680 CHF in 2026). The employer joins a pension institution and pays at least half of the contributions.
Insurance that protects the business
- Business or professional liability: damage caused to clients or third parties.
- Property: premises, machinery, stock, against fire, theft, water damage.
- Business interruption: loss of turnover after a claim.
- Cyber: cyber attack, ransomware, data leak.
- Vehicles: fleet and company vehicles.