Protect the business, not only the assets
Insuring your activity means prioritising the covers that protect cash flow, liability, employees and business continuity.
Yes for staff, often not for the rest
OASI, accident insurance and occupational pension apply as soon as you employ staff. Liability, cyber, commercial and business interruption insurance depend on the trade, contracts and collective labour agreements.
Avoid the claim that stops the business
A good plan starts with risk mapping, not with a generic list of insurance policies.
Priorities for insuring the business
Protect what keeps the company running before comfort options.
- Critical Business interruption Costs without turnover
- Core Premises and equipment Means of production
- Safety net Business liability Damage and errors toward third parties
Without continuity, turnover stops.
Insuring a business is not about ticking a list
A Swiss SME does not face the same risks whether it sells products, advises clients, runs a shop, stores goods, employs staff or depends on software to invoice. The right contract therefore starts with risk mapping.
Finwise helps you distinguish what is mandatory, what is strongly recommended and what really depends on your trade. The goal: protect cash flow, management liability, employees and business continuity.
The logic of business activity cover
Insurance is only useful if it answers a concrete risk: a client claim, unusable premises, a blocked server or an absent key employee.
Obligations as soon as you employ staff
Dès le premier salarié, l’employeur doit gérer les cotisations AVS/AI/APG et chômage, l’assurance-accidents LAA, puis la prévoyance professionnelle LPP dès CHF 22’680 de salaire annuel en 2026.
La LAA couvre les accidents professionnels pour tous les employés. Les accidents non professionnels s’ajoutent dès que le collaborateur travaille au moins 8 heures par semaine chez le même employeur. En cas de maladie, l’employeur doit aussi maintenir le salaire pendant une durée limitée : une perte salaire maladie permet de transférer ce risque.
Priority protections for the activity
La Professional liability protège contre les conséquences financières d’une erreur, négligence ou omission dans une prestation. La RC entreprise intervient plutôt pour les dommages corporels ou matériels liés à vos locaux, collaborateurs, produits ou exploitation.
L’assurance commerce couvre mobilier, machines, marchandises et installations. La perte d’exploitation complète ce socle en compensant le chiffre d’affaires et les charges fixes si un sinistre interrompt l’activité. La cyberassurance et la protection juridique entreprise sécurisent les incidents informatiques et les litiges.
Services and consulting
Consultants, fiduciaries, IT or engineers: priority to professional liability, cyber and legal protection.
Commerce and retail
Stock, premises, business interruption and business liability often become more critical than purely technical covers.
Crafts and technical trades
Machines, sites, vehicles, accident insurance and business liability weigh heavily as soon as a tool or site stops.
Digital activity
Dependency on data, online invoicing and client-related liability: cyber and professional liability come before equipment.
Common pitfalls
Mistakes often come from a plan built too quickly, or only around the price of the premium.
You already have policies: what should you check?
Check whether your covers still follow your real activities, premises, client contracts, ceilings and exclusions. A quick audit often removes useless overlaps and fills the most costly gaps before a claim.
We build clear cover for your trade
We analyse your activity, contracts, premises, employees, turnover and critical tools. Then we compare solutions to protect what really matters, without overloading your budget.
Go further according to your priority
These pages detail the covers that most often make up coherent activity protection.
Insure my business activity View professional liability View cyber insurance