The smart solution for your company

One of your products is defective. One of your machines injures a customer. A faulty water pipe floods the office premises of a rented company and damages the furniture and some equipment. Damage to a third party can happen quickly. As an SME, you and your employees are exposed to many risks every day. As an entrepreneur, you have to pay for such claims for compensation. In the worst case, the entrepreneurial existence may be at stake.

Public liability in detail

You can hardly control everything in your company. But you can ensure that your assets are protected in the event of third-party claims for damages. With business and professional liability insurance, you remain capable of acting. After all, you should concentrate entirely on what you do best: running your business.

In case of dispute well taken care of

Enforcing their own rights is usually not child's play for small and medium-sized enterprises. There are high legal fees, the issues are complex, there are considerable financial risks and long, costly proceedings.

Business legal protection in detail

Business legal expenses insurance protects your company, your employees and yourself - for example in the event of a legal dispute with a customer or supplier. The insurance covers the costs of the proceedings and helps you to resolve the conflict quickly.

Cyber protection insurance for SMEs: Together strong against hackers and cyber attacks

Our cyber protection insurance helps you and your company quickly and easily after an attack from the Internet.

Cyber-protection in detail

Our world is becoming more digitally networked. This brings with it many advantages and new opportunities for you as an entrepreneur. But cyber attacks on Swiss SMEs are on the rise. Cyber protection insurance helps you with a bundle of measures to repair and limit the damage.

Tailor-made pension plans for your company

Your sales manager suddenly has an accident. Her customer service representative has a burnout. Your receptionist is taking a well-earned retirement. As an employer, you are obliged to insure your employees under the BVG for old age and against the risks of death and disability in a pension fund. This applies to all employees subject to AHV who earn more than CHF 21,330 per year (as of 2019).

Occupational pension provision in detail

The pension solution for your company should be reliable and involve as little effort as possible. This is exactly where our partners come in. Attractive conditions for asset management and risk insurance make our partners' pension solutions attractive.

The law prescribes the minimum benefits that must be insured for old age, death and disability. However, you have the option of increasing these benefits. This is because an expanded BVG solution is an essential component of good working conditions and creates added value for you, your employees and their family members. This enables you to distinguish yourself as an attractive employer and score points when recruiting new employees and retaining existing ones.

Accident insurance - insurance cover for accidents according to UVG

According to the Swiss Federal Law on Accident Insurance (UVG), anyone who works for an employer in Switzerland must be insured for occupational accidents and also for non-occupational accidents if they work eight hours or more per week. Compulsory accident insurance offers employers this comprehensive insurance cover for their employees.

Accident insurance according to UVG in detail

Our partners offer you, as an employer with accident insurance in accordance with the UVG, the legally prescribed benefits package. Your employees are insured against the financial consequences of occupational and non-occupational accidents and occupational diseases. In addition, in the event of incapacity for work, a daily allowance is paid from the third day after an accident and benefits for treatment by a doctor or hospital, for medication, rescue costs are covered. In the event of disability, a pension or integrity compensation is paid, and in the event of death, survivors receive a survivor's pension.

The optimal supplement to the mandatory accident insurance

The protection provided by accident insurance under the UVG is limited. Therefore, Mobiliar offers extended insurance cover for you and your employees in addition to the mandatory accident insurance.

Supplement to compulsory accident insurance in detail

The supplement to the compulsory accident insurance of furniture is a supplementary insurance. It insures your employees and you as an employer where you are not comprehensively protected by the compulsory accident insurance pursuant to the UVG. For example, you can insure one hundred percent of loss of earnings from the first day. Earnings in excess of the UVG maximum salary of CHF 148,200 are also covered. This higher coverage is also taken into account when calculating the disability and survivors' pensions. With a lump-sum death benefit, your employees' dependents are also better protected.

All-round protection for all your company vehicles

One of your employees quickly drives up to the customer in the company delivery van - so fast that he only stops in the customer's shop window. The vehicle insurance for companies insures your employees as well as the passenger cars and commercial vehicles of your company in case of damage and accidents. Vehicle insurance is suitable for small and large fleets alike: Choose between individual single policies or the framework policy for larger fleets.

Vehicle insurance in detail

Vehicle insurance for companies covers five classes of insurance for passenger cars and commercial vehicles. You can insure each vehicle individually per licence plate - or you can insure your entire fleet of company vehicles in a single policy.

In addition to the central liability, fully or partially comprehensive and accident insurance policies, you also benefit exclusively from 24-hour assistance with immediate help around the clock. This means that you and your employees are fully protected whenever you are travelling in a company car.

Protection during import, export and transport of goods

The truck with your new machine on the loading area must brake abruptly - the machine continues to slide. At an exhibition, thieves not only looked at your installation, they took it with them. Transport insurance protects your goods against risks during transport, at exhibitions and more.

Transport insurance in detail

Transport insurance protects your goods on all their routes - whether by water, land or air. However, you can insure your goods not only during transport worldwide, but also at trade fairs and exhibitions, during temporary storage during longer transport or in the event of manipulation on company premises.

Transport insurance is suitable for all companies that transport or manipulate their own or third-party goods - from industry and trading companies to forwarding agents and construction companies. 

Operating loan for every need

Do you need financial resources to implement a business idea or expand your business activities? In order to gain additional entrepreneurial leeway, it is worthwhile to examine all financing options. There is an optimal financing structure for every investment project, for every business model and for every phase of the company.

SME loan in detail

The classic forms of financing include equity and debt capital. A loan from a bank is one of several ways of obtaining outside capital. An equity base commensurate with the entrepreneurial risk combined with intact earning power creates the scope for this. Our partner supports you in realizing your business plans with individually worked out financing solutions.

Protection against damage and liability claims during construction projects

Shortly before the end of the excavation work, the building pit collapses. A child sneaks onto your construction site and injures itself. Or components are damaged during the assembly of a machine. Every construction project has its challenges. With our construction insurance you protect your company and provide comprehensive coverage for your construction projects. Regardless of whether you are rebuilding, building new premises or renovating. 

Construction insurance for companies in detail

Whether you are renovating your offices, expanding your warehouses or building a new branch - our construction insurance protects your company from the excavation to the move in. It pays for damage caused by clumsiness, negligence or intent. Covered are clean-up and damage search costs, advances for liability costs of your service providers, damage not covered by the liability insurances of your service providers, damage to property due to malicious intent and vandalism and damage due to fire and natural hazards, in addition to the mandatory building insurance.

buildings and structures

The modular building insurance for your property. Mobiliar's modular building insurance protects all properties and is suitable for private homeowners, companies and administrations. Put together your own tailor-made insurance cover.

Building insurance for companies in detail

A water pipe bursts, rain penetrates through the roof, a technical defect causes a fire. In Switzerland, natural forces such as floods, squalls, hail, landslides or rockfalls cause great damage. When you build or rebuild, you are liable as the builder-owner, for example, for damage to building components, acts of vandalism or damage caused by the building site - even if you are not directly responsible. And as the owner of a building, you can be held liable for damage to third parties as a result of construction or maintenance defects.