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Running a business entails a number of responsibilities that go far beyond the simple development of the business. One of the most important of these is ensuring that the business is adequately protected against risks that could jeopardise not only day-to-day operations, but also long-term economic viability.

In Switzerland, there are some compulsory and others highly recommended insurance covers that are indispensable to ensure business continuity and capital protection. Among these, compulsory accident cover under UVG is essential: it protects employees in the event of accidents at work or during leisure time, which is crucial not only to comply with regulations, but also to ensure the wellbeing and safety of one's staff. In parallel, the pension fund is another fundamental pillar. This instrument is not only a legal obligation, but also a means to support employees in planning their financial future, consolidating the relationship of trust between company and employees.

In addition to these basics, liability is a cover that every company must consider very carefully. Indeed, the day-to-day activities of a company can unintentionally cause damage to third parties, both material and personal. A liability policy not only protects the company financially, but also protects its reputation, an intangible element that can be severely compromised by an accident or mistake.
Another often underestimated but equally important aspect is protection against loss of wages for employees. Providing employees with financial security in the event of illness or accident is not only a gesture of consideration for them, but also a way of maintaining the operational stability of the company, avoiding disruptions and inconveniences.

Alongside people-related policies, it is essential to think about the protection of business investments. Every business relies on machinery, tools and technology that represent a significant part of its invested capital. A policy that protects these assets against accidental damage, theft or unforeseen natural events is not simply a precaution, but a strategic choice to safeguard the continuity of operations! The same applies to inventory, which is often the beating heart of many commercial and industrial activities. Securing the inventory means protecting not only the physical assets, but also the economic value they represent.

Finally, let's not underestimate the risks associated with a cyber attack: cyber security also depends on the assessment of adequate insurance cover, and cyber insurance is increasingly a must.

Protecting a company means protecting its future, its employees and the value built up over time.