UA Insurance Broker

Together with the 1st pillar, the occupational pension scheme enables insured persons or their relatives to continue their accustomed standard of living in old age, in the event of disability or death. In the 2nd pillar, in contrast to the 1st pillar, each insured person has their own retirement capital saved and interest.

Financial security for employees
Financial relief for employers
By law, employers must continue to pay a salary to sick employees for a specific period. This regulation is socially motivated and derives from the duty of care that companies have towards their staff.In addition to a contractual continued salary payment agreement, the length of employment and the canton in which the business operates determine the actual length of the statutory obligation to make continued salary payments . This ranges from three weeks for employees in their first year of service to 46 weeks for long-serving employees. The length is calculated using one of 3 different tables.

The Swiss Federal Accident Insurance Act (AIA) requires employers to insure their staff against occupational accidents and sickness – as well as non-occupational accidents if they work at least eight hours a week. People who aren’t in paid employment – e.g. house wivesand house husbands, children, students, and pensioners – are by definition not exposed to the risk of occupational accidents.They must insure them selves against accidents and their effects through basic health insurance. Anyone registered as unemployed is automatically covered by the accident insurance scheme for unemployed persons. Self-employed people, who are essentially responsible for their own insurance, have the option of taking out private accident insurance under the AIA (Art. 4 AIA).Occupational accident, occupational sickness, and non-occupational accident

A property insurance policy offers protection against material damage to property resulting from fire, water, glass breakage, storms and theft. It also covers loss of earnings, additional costs, clearing and disposal costs.

• Damage to property such as goods and facilities (incl. entrusted third-party property) as well as monetary assets
• Loss of earnings and additional costs due to property damage in your own company, in buildings used, or in a third-party business
• Clearing and disposal costs
• Employee and visitor effects

If inadequate advice or errors in the execution of an order lead to financial loss of a customer or if personal injury or property damage arises due to inattentiveness, the insurance will assume coverage.

If false calculations, mishaps, product defects, or inadequate customer advice result in your customer incurring personal injury or property damage, the insurance will cover liability cases at your company.
The insurer covers justified claims and defends against excessive or unjustified ones. The insurance covers financial loss, personal injury and property damage. The scope of insurance in its basic coverage is broad in definition.
There are options to expand coverage as follows:

• Legal protection in criminal, supervisory and administrative proceedings
• Directors and officers of legal entities in outside companies
• Extension of benefits to a double guarantee per insurance year
• Extension of statutory liability to include the law of the US and Canada

If employees or customers make demands, it quickly costs a lot of money, time and nerves. Legal protection is your competent partner if you need legal support in your business life.

• Legal advice and representation
• Fees of an independent lawyer
• Expert opinions
• Court fees and procedural costs
• Non-court costs awarded to the opposing party
• Bail to avoid pre-trial detention (advance payment)
• Mediation

A loss event in a commercial building can seriously damage your infrastructure and resources and endanger running operations.
The term “building property insurance” includes all insurance types that cover property damage. A whole series of different modules can be combined.

• Fire insurance incl. events caused by natural forces (excl. earthquakes): All buildings in Switzerland must be covered by fire insurance unless they are in the canton of Geneva, Valais or Ticino.
• Water insurance (incl. rental income)
• Earth quake insurance
• Building technology failure
• Extended coverage in case of vandalism, rodents or vehicle impact
• Renovations and conversions up to CHF 100,000
• Burglary insurance
• Glass breakage insurance

• Loss and damage (breakage, rust/oxidation, fire, events caused by natural forces) of transported goods
• Theft, misappropriation, robbery
• Dropping while being loaded, reloaded, unloaded
• Accidents involving the means of transportation
• World wide coverage

• Sales compensation in the event of operational interruptions
• Cost of restoring lost data covered
• Cost of restoring operating systems and user applications covered
• Payment of justified liability claims and rejection of unjustified claims
• In the event of a cyber event, immediate assistance by cyber experts from Oneconsult AG
• Costs for official data protection proceedings

• Premium savings thanks to volume discount (from 5 vehicles)
• One policy, one invoice for all vehicles
• Automatic adjustment from full to partial accidental damage insurance according to age of vehicle
• Informative damage analysis
• Choice of no-claims discount or fixed rate premium
• Service package “Driving at Work” with free offers such as damage analysis or driving lessons and a whole lot more
• Own damage
• Bonus protection
• Gross negligence
• Foreign claims
• Mobility / transportation after a breakdown
• Legal protection
• Transportation

Managing a stock corporation, foundation, or other legal entity is a responsible task. Expand your professional liability insurance with an organ liability insurance in order to be optimally protected against the financial consequences of liability risks. The individual body of a legal person is insured in its capacity or function as:

• Board of Directors of stock corporations
• Member of the administration of cooperatives    Managing director or partner of a GmbH
• Member of the board of associations
• Board of Trustees
• Liquidator of a legal person
• Managing director in the context of the residence requirement according to or and in other comparable functions.

Create your own insurance solution together with us!

• Liability insurance
• Partial accidental damage insurance
• Comprehensive accidental damage insurance (collision coverage)
• Parking damage insurance
• Passenger accident insurance
• Breakdown assistance
• Replacement car service

Pilar 3a & 3b

• Saving solutions
• Disability insurance
• Life insurance

• Entire household contents are insured at new-for-old value against damage caused by fire, water and burglary and theft from your car, as well as damage from natural forces.
• Theft away from home is covered worldwide.
• Important objects can be insured additionally against damage and loss by yourself or third parties.
• Breakage of glass or stone elements in furniture.
• Covering damage to other persons and/or property
• Gross negligence
• Use of private third-party vehicles
• Damage as carsharing or hire car user
• Pet damage to rented apartments
• Loss of keys and key service
• Tradesmen emergency service
• Data recovery and virus removal
• Breakage of windows, washbasins and building glass.

• Cancellation cost insurance
• Personal assistance insurance
• Vehicle assistance insurance

• Liability insurance
• Partial accidental damage insurance
• Comprehensive accidental damage insurance (collision)
• Accident insurance
• Marine legal protection insurance

• Water insurance
• Fire insurance including damage from natural forces
• Building liability insurance
• Minor renovations:insurance against building damage.
• Glass breakage insurance
• Burglary insurance
• Building technology failure
• Earthquake insurance

Realization of significant cost savings through the statutory exemption from premiums for daily allowance payments by the insurance company.

• Assumption of costs for the repair or replacement of machines and systems with a fixed location as well as for mobile machines and IT equipment at current value
• Compensation for loss of earnings due to reduced or missing production
• Assumption of additional costs for damage reduction
• Assumption of costs for the restoration of IT data

Employees without a contributory employer (ANobAG)

Customers domiciled in Switzerland who work for an employer who does not have to pay contributions in Switzerland pay the social security contributions as an employee without an employer who does not have to pay contributions (ANobAG).

Construction and building owner liability insurance

The construction insurance covers the payment of property damage on the construction site.

Scope of coverage:

• Fire and natural hazards
• Damage caused by construction accidents
• Demolition and reconstruction costs
• Cleaning up and disposal costs in case of construction accidents
• Cost of searching for damages in construction accidents
• Burglary and theft of materials already installed.
• Vandal file on Bauobjek

The builder’s liability insurance covers claims for personal injury and property damage to third parties that arise as a result of the construction work and fends off unjustified claims for damages.

Scope of coverage:

• Damage resulting from construction work that affects third parties
• Loss prevention costs
• Legal protection in criminal proceedings
• environmental damage

Building property and building liability insurance

• Fire insurance including elementary events This insurance is mandatory for all buildings in Switzerland, with the exception of the cantons of Geneva, Valais and Ticino.
• Water insurance (including rental income)
• Glass breakage insurance
• Burglary theft insurance
• Earthquake insurance
• Failure of the building technology
• Coverage in the event of damage from vandalism, rodents or vehicle impact
• Refurbishments and conversions

• Offer or bid guarantees
• Performance guarantees
• Down payment guarantees
• Warranty for work or defects
• Delivery guarantees
• Payment guarantees
• Customs deposits customs authorities
• Professional deposits
• Tax deposits

• environmental damage

• Liability insurance
• Comprehensive insurance
• Comprehensive insurance (collision) • Accident insurance
• Boat legal protection insurance

• Liability insurance for aircraft
• Comprehensive insurance
• Passenger accident insurance
• War and terror cover including malicious damage

A framework contract is a contractual arrangement which allows the procuring and disposing entity to procure works, services or supplies that are needed continuously or repeatedly at an agreed price over a period of time, through the placement of a number of orders

Scope of coverage:

• Fire and natural hazards

• Damage caused by construction accidents

• Demolition and reconstruction costs

• Cleaning up and disposal costs in case of construction accidents

• Cost of searching for damages in construction accidents

• Burglary and theft of materials already installed.

• Vandals on the building

The builder’s liability insurance covers claims for personal injury and property damage to third parties that arise as a result of the construction work and fends off unjustified claims for damages.

Scope of coverage:

• Damage resulting from construction work that affects third parties

• Loss prevention costs

• Legal protection in criminal proceedings

• Environmental damage

The valuables insurance covers the financial damage in the event of theft, damage or loss of the insured objects.

Scope: Worldwide

• Medical expenses (medical treatment, general hospital department)

• Daily allowance (max. 80% of the insured earnings from the 3rd day)

• Disability pension (max. 80% of the insured earnings)

• Survivor’s pension: 40% for widows and widowers, 15% per half-orphan, 25% per full-orphan of the insured earnings (max. 70% for several survivors together)

• Integrity and helplessness allowance

Protection against dangers such as credit card and online account misuse, data loss as well as personal and copyright violations.

Phishing: Fraudsters try to get confidential data from Internet users

Viruses: Malware that is distributed on the computer via email or websites

Trojans: improperly encrypt files or programs on the computer and the connected network drives

Coverage at:

• Self-inflicted or third-party damage

• Loss

• Theft on the go

Coverage at:

• Self-inflicted or third-party damage

• Loss

• Theft on the go

Tenants and landlords receive the samesecurity as with a rental deposit account and the same tenancy law applies to claims. Instead of paying a deposit of 3 months’ rent, the tenant pays a premium annually and the insurance vouches for the agreed deposit.

With life insurance, family, life or business partners can be financially protected against financial bottlenecks in the event of an unexpected death.

Our specialists will be happy to explain in a personal conversation why private provision is worthwhile and what the difference between a bank and aninsurance solution and pillar 3a and 3b is.

Those who remain unable to work after an accident or illness can face financial constraints. Thanks to employment risk insurance, you will secure your income in the event of incapacity to work – and guarantee yourself and your family the usual standard of living.

In many everyday conflict situations, private legal protection can assist you when there is a risk of a legal dispute. A legal battle costs nerves and also money. Typical areas are labor law, internet law, patient law, legal protection for tenants and landlords. Legal protection insurance offers:

• Case taken over by experienced and specialized lawyers and attorneys

• Assumption of: court and attorney fees

• Costs for expert opinions and expertise

• Litigation costs of the other party in the event of losing to court

• Travel and translation costs

• Prepayment of bail to avoid pre-trial detention

• Free choice of lawyer in court proceedings

Legal support in road traffic in the following legal areas.

• Criminal defence

• Insurance law

• Compensation law and victim support

• Patient right from an insured accident

• Vehicle contract law