AXA is your ideal partner in this adventure of starting your own company. We put together the necessary insurance policies on your behalf. And you receive a comprehensive start-up package with many benefits.
The new independence raises many questions for young entrepreneurs. With AXA’s start-up package, these will be clarified and you will be well equipped to take the first steps toward a successful future. The package contains the following benefits and services:
Start your own company easily online at www.startups.ch. If you take out two business insurance policies with AXA, we’ll give you CHF 500 towards the start-up costs. The insurance cover is tailored towards your needs: Your advisor will analyze your need for obligatory and voluntary insurance.
With AXA’s SME insurance check, you’ll know immediately what you really need: The online tool works out your insurance needs with just a few clicks. Here’s the way to the SME insurance check
Our start-up guide gives you tips and tricks on starting up a business. You can order the guide from us for free by mail, regardless of the start-up package.
Our checklist leads you step by step through a risk analysis and offers recommendations on how you can minimize and protect against risks. As well as insurance topics, it also deals with questions on prevention and employee motivation.
Penetrating the thicket of laws and regulations is virtually impossible unless you are a lawyer. As a customer of the start-up package, you have a wise guide at your side: MyRight.ch from AXA-ARAG.
Do you have a legal question? You’ll get your answer here. Over the next three years, you are entitled to obtain legal information over the phone worth CHF 200.
During the initial phase of a company start-up, you want to be certain that every franc you invest is going to help your company thrive and expand. That’s why it’s especially important to ensure that your insurance solutions are efficient and take full account of your business's priorities. Our insurance advisors are also entrepreneurs and know which issues and risks you face when starting a business. We will be glad to give you non-binding advice and focus attention on what you should look out for when starting a business.
You will receive the registration forms automatically after you have entered yourself in the commercial register. In other words, you don’t have to do anything for the time being. If you have a sole proprietorship that does not need to be entered in the commercial register, you will need to notify the compensation fund (AHV/IV/EO) if you make a profit of more than CHF 2,300* annually (Art. 19 of the AHV ordinance). The compensation fund will then decide whether you are “independent” as defined by the law on social insurance. The AHV publishes a summary sheet that defines these criteria for self-employed persons.
Only those who are registered as self-employed with the compensation fund can withdraw their assets from the occupational benefits insurance. The same applies to assets from a Pillar 3a account. Self-employment refers to sole proprietors or partners. Owners of corporations or limited companies have employee status and are not allowed to withdraw their Pillar 2 and Pillar 3a assets.
For this reason, entrepreneurs often first set up a sole proprietorship, which they then change into a corporation or limited company at a later date. The application to withdraw assets must be filed within one year of the date on which you become self-employed.
The federal and cantonal authorities will tax the assets you withdraw as income, but at a reduced rate.
You are under no obligation to repay the pension fund assets you withdraw, not even if you change the legal form of your company or close it down. You can, however, voluntarily repay the funds if you have an active occupational benefits plan that allows you to purchase additional benefits.
If you have employees who are covered under a BVG plan, you can take out insurance under the same plan, with one of AXA’s collective foundations for example. On the other hand, if you have no employees you may be able to enroll with the pension fund of your professional association or the National Substitute Pension Plan. In addition, you can take out a Pillar 3a plan offering a reduced tax rate, just like an employee.
Instead of a pension plan, you can also open a Pillar 3a account for your benefits provision. This enables you to pay in as much as 20% of your income (max. CHF 33,840*). Your advisor will help you decide which type of pension and what level of benefits make the most sense for your situation.
Self-employed persons are not eligible for unemployment insurance, not even on a voluntary basis. On the other hand, they do not have to pay any premiums.
Employers can cover their obligation to continue salary payments in the event of an employee’s illness as defined in Art. 324 of the Swiss Code of Obligations by taking out daily sickness benefits insurance.
Your spouse who works with you must be included in your occupational benefits plan if the salary exceeds CHF 21,150*. As the owner of a corporation you must be insured too if your salary exceeds this threshold. Self-employed persons can enroll voluntarily with their spouse’s/employee’s pension fund.
Property insurance usually covers existing facilities on a new-for-old basis. We recommend that you find out the current cost of any property you acquire. It is quite likely that the actual value of the property and facilities you are buying – should you have to replace them after a fire, for example – will be considerably higher than the amounts currently shown on your balance sheet.
Yes, you can take out business interruption insurance to cover the loss of earnings and additional costs.