The four covers a small business should never neglect
From the self-employed to the established SME, some risks only come to light on the day of the claim. Here are the ones no business should leave to chance.
Business insurance contracts are often signed when the company is founded, then left untouched for years. But the business evolves, and so do its risks. A regular review almost always uncovers costly duplicate cover and, worse, gaps that stay invisible until a claim.
1. Occupational pensions (BVG/LPP)
The right pension plan protects your team and helps you keep them. Comparing pension funds, adjusting the plans above the legal minimum and cutting management costs can bring substantial savings for the same cover.
2. Staff insurance
Daily sickness allowance and accident insurance protect both your employees and your payroll. A long absence that is not covered hits cash flow immediately. It is one of the most common gaps in young businesses.
3. Business interruption
A fire or major damage can be repaired. Six months without revenue, while salaries and rent keep running, is another matter. Business interruption insurance keeps the company afloat while it gets back on its feet.
4. Liability and legal protection
Professional liability and business legal protection stop a dispute from paralysing the business. Going ahead without them means exposing years of work to a single lawsuit.
A coverage review, free and without obligation, puts everything on the table, from risks covered and premiums paid to duplicates and gaps. It is the starting point of any serious optimisation.
A question about your situation?
Our advisers answer free of charge, with no obligation.
Request a quote
