Insurance for Employers
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Do you employ staff in the Canton of Zurich? Then you must register with various insurance providers and pay premiums. We’ll walk you through the most important steps.
Table of contents
The Most Important Points at a Glance
- You must register your business with the SVA Zurich (Center of Excellence for Social Insurance in the Canton of Zurich).
- The SVA Zurich administers Old Age and Survivors’ Insurance (AHV), Disability Insurance (IV), Income Replacement Benefits (EO), and Unemployment Insurance (ALV).
- It also handles maternity benefits, benefits for the other parent, family allowances, and the family equalization fund.
- If an employee earns more than 22,680 Swiss francs per year, you need a pension fund (BVG).
- You must take out occupational accident insurance (UVG) for every employee.
- Depending on the industry, additional optional insurance policies may be advisable.
Here’s how to proceed
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You must register your company with the SVA Zurich (Center of Excellence for Social Insurance in the Canton of Zurich) or another compensation office.
Register your business with the SVA Zurich.
Depending on your industry, you may also choose a private association compensation fund. These offer industry-specific expertise, consulting, and digital payroll solutions.
If an employee earns more than 22,680 francs per year, they are required to be insured with a registered pension fund (BVG).
Further information on occupational pension plans can be found on the website of the Federal Social Insurance Office and at the BVG Substitute Pension Fund.
You must take out occupational accident insurance (UVG) for every employee.
Further information can be found on the federal government’s website regarding occupational accident insurance.
Depending on the profession, different types of insurance may be advisable. If you are a member of a professional association, you can find out more in advance at.
- Daily sickness benefit insurance: Covers continued salary payments in the event of a prolonged illness.
- Business liability insurance: Covers costs for damages that you or your employees cause to others.
- Cyber insurance: Protects your business from losses resulting from cybercrime.
- Group Daily Sickness Benefit Insurance: Provides employers with financial protection to continue paying wages in the event of illness and offers policyholders premium discounts on supplemental insurance.
Note: The information on this page is for general guidance only and is not exhaustive. In each individual case, the legal, insurance-related, and organizational requirements must be reviewed on a case-by-case basis, particularly with regard to employment level, salary, operational risks, and the chosen pension plans.
Contact
Amt für Wirtschaft – Standortförderung
Montag bis Freitag
8.00 bis 12.00 Uhr und
13.30 bis 17.00 Uhr
