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Protect what you have built
Whether you run a startup, SME, or an established company: as a business owner, you bear daily responsibility for your team, your inventory, and your customers. But what happens if damage suddenly occurs, a legal dispute arises, or your employees are unable to work due to illness? Business insurance protects your company from financial risks comprehensively, individually, and professionally.
In Switzerland, companies are required to insure certain risks, such as accident insurance for employees. Beyond that, it’s wise to proactively cover voluntary risks like property damage, cyberattacks, or business interruption. Because a single incident can have huge financial consequences — and without coverage, it can threaten your very existence.
At wefox, we compile and compare business insurance options after analyzing your business activities and can therefore tailor the right insurance solutions for you in a modular way. Whether you run a restaurant, operate an online shop, or work as a consultant: comparing the best business insurance providers in Switzerland equips us to help you protect your business legally and financially. Straightforward, free and individual - ready to get started?
What is business insurance?
A business insurance package is tailored to the risks and needs of a company. It combines mandatory and voluntary coverages and protects you against:
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Financial losses from damage to your business or inventory
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Claims from third parties (e.g., liability or errors)
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Employee absences due to illness or accident
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Business interruption caused by external factors (e.g., fire, water damage, cyberattack)
The appropriate coverage is individually assembled depending on your industry and the size of your company.
What can be insured? The main components of business insurance compared
Insurance part
Purpose & area of application
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General liability insurance
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Protection against personal injury or property damage caused by your business
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Important if you have customer contact or physical products
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Professional liability insurance
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Coverage for financial losses caused by consulting errors or omission
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Ideal for fiduciaries, lawyers, IT service providers, etc.
Property insurance
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Protection for business equipment, machinery, inventory, technology
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Covers damage from fire, water, burglary, vandalism, natural hazards
Business interruption insurance
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Covers loss of revenue after damage events (e.g., fire, supply failure)
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Secures ongoing fixed costs
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Cyber insurance
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Protection against data loss, hacking, extortion, or data privacy breaches
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Includes crisis management and liability coverage
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Accident insurance (mandatory)
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Covers occupational and non-occupational accidents of employees
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Can be supplemented with daily sickness benefits, hospital coverage, disability benefits
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Daily sickness benefit insurance
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Secures wages during employee illness
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Prevents liquidity shortages and conflicts
Tip: Different industries have different insurance requirements — we’ll show you exactly what you really need to ensure you're adequately covered, but also that you're not overinsured. Navigate the complicated world of business insurance with wefox at your side.
Who is business insurance relevant for?
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Self-employed individuals & sole proprietorships
Who bear liability and loss risks personally
SMEs & startups
Wanting to protect production, staff, and infrastructure
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Freelancers
Who may be held liable for errors or professional advice
Craft businesses & restaurants
With higher risks for property and personal damage
IT & online companies
Needing to protect data and processes
How much does business insurance cost?
The cost of business insurance in Switzerland depends heavily on the type and size of the company, as well as the desired level of coverage. Whether a sole proprietorship, SME, or larger corporation, the premium always depends on individual risk factors.
Industry and activity
A construction company bears higher risks than a consulting firm – this affects the premium.
Cost factors
Company size
Number of employees, revenue, and locations all play a role.
Cost factors
Covered risks
Depending on whether you choose liability, property, business interruption, cyber insurance, or a combination.
Cost factors
Coverage amount and deductible
Higher coverage amounts increase costs, while higher deductibles reduce them.
Cost factors
Additional services
Legal protection, transport insurance, or machinery insurance can be added optionally.
Cost factors
Tip: A detailed comparison of business insurance policies is always worthwhile – many insurers offer modular packages that can be tailored precisely to your business model. A wefox advisor can help you do this.
wefox helps you find the right business insurance. We analyze your risks, compare the best providers in Switzerland, and provide you with personalized advice – free of charge and independently.
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Why wefox? Switching business insurance with us
Independent comparison
Of business insurance policies from the leading providers in Switzerland
Personal consultation
Advice from SME & industry experts
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Digital contract service
Easily manage your insurance contracts online
Individual risk analysis
You get exactly the protection you really need
Modular coverage
You only pay for what you need.
With wefox, you protect your business — no paperwork hassle, no overinsurance, no unnecessary costs.
FAQs about Business Insurance
Accident insurance (UVG) is compulsory for all businesses with employees. Depending on the industry, professional liability insurance may also be required.
Costs vary greatly depending on industry, revenue, staff, and coverage scope — we provide you with a free, customized quote.
Yes — we analyze your current insurance policies and identify potential savings or coverage gaps.
Yes — many providers offer discounts for bundled coverage. We check if this is beneficial for you.