Insurances for companies
Group daily sickness benefits insurance
According to the Swiss law, workers are entitled to continue receiving their income for a specified period if they fall ill and are unable to work. To protect your business from the financial burden of ongoing salary payments during illness, you can invest in group daily sickness benefits insurance. Under this arrangement, you pay premiums, and for a maximum of two years, the insurer takes on the responsibility of sustaining wage payments. Depending on the nature of your business, a collective labor agreement may even mandate the acquisition of daily illness benefits insurance.
Accident Insurance According to UVG
In compliance with the Accident Insurance (UVG), employers are obligated to furnish insurance coverage for their employees, encompassing both non-occupational and occupational accidents. Workers who work, on average, fewer than eight hours a week for the same employer are exclusively covered by occupational accident insurance. In such cases, mandatory health insurance (KVG) covers the costs of medical care for non-occupational injuries. Self-employed individuals have the option to voluntarily enroll in Accident Insurance, although they are not automatically covered by it.
Workplace Benefits: Pension Solutions
Selecting the right pension fund presents a growing challenge for both employers and employees. At Krone Finanz GmbH, our experts are dedicated to providing informed and passionate assistance in creating your pension plan, analyzing your current pension fund, and exploring new options. We tailor pension plans to suit the specific needs of your business, ensuring they are optimized. Through this, we keep you informed about market developments and closely monitor your pension fund. As part of our comprehensive service, we assess various pension plans and furnish background information, empowering you to make informed and wise choices.
Business and Professional Liability Protection
Every business undertaking carries the risk of causing harm to third parties, potentially leading to legal claims. Business and professional liability insurance offers tailored solutions to ensure reliable financial security and to counter any baseless accusations.
Legal Expense Insurance for Businesses
Challenges and legal issues are commonplace in the workplace. Industrial legal protection insurance aids you in asserting your rights and covers associated expenses. Legal conflicts can become intricate and costly, whether it’s a customer lodging a complaint about your service, a supplier threatening legal action, or an employee demanding an unreasonable salary. Your legal expense insurance offers valuable assistance in such situations. A dedicated attorney will manage your company’s legal requirements, covering processing, court, and expert fees.
Business Property Insurance
Business property insurance provides comprehensive protection against damage to a company’s movable assets, ensuring financial stability. Whether operating in manufacturing, baking, construction, or service industries, every business requires extensive insurance coverage for both its income and property assets, including products, machinery, and office furniture. Commercial property insurance enables you to obtain the necessary coverage for financial security in the event of damage.
Cyber insurance
Undoubtedly, the rise in digitalization brings numerous positive effects, but it also exposes businesses to information security threats. Data breaches and cybercrime can significantly impact a company’s finances and erode the trust of partners and customers. Cyber insurance serves as a financial shield against the consequences of cyberattacks and data breaches. It covers various aspects, including extortion, cyberbullying, reputation management, and data recovery.
Vehicle Fleet Insurance
Fleet insurance offers comprehensive and practical coverage for businesses with a fleet of vehicles. With one contract covering all vehicles, it reduces expenses and administrative workload. Fleet insurance becomes particularly beneficial beyond a certain number of cars as it can be customized to suit your specific needs, with the vehicle list regularly updated. Additionally, it allows for automatic adjustments to the insurance coverage based on the age of the vehicles.
