Every startup is different
A salon, IT provider and manufacturer have different risks. We start with activities, legal form, staffing, customer contracts and growth plans.
Sole proprietorship or GmbH and AG?
For sole proprietors, recognition as self-employed determines the social-insurance position. Founders employed by a GmbH or AG are generally employees. This distinction affects accident insurance in particular.
Before the first order
Check liability certificates, declared activities, contract requirements and cover start. A quotation enquiry alone does not create cover.
Before the first hire
Clarify UVG jurisdiction, salary continuation, KTG and applicable collective agreements. Occupational pension obligations also need assessment against current conditions.
As your company grows
New activities, higher turnover, additional staff, new machinery and international orders should be declared or reviewed under the insurance contract.
