Overview
Small companies often grow faster than their insurance setup. Pension, sickness daily allowance, liability, accidents, owner protection and tax coordination should match real activity.
What I check
- Company pension and employee benefits
- Sickness daily allowance and income loss
- Business and professional liability
- Coverage for owners, self-employed people and employees
- Coordination with fiduciaries and tax/accounting partners
When it is useful
- You hired or plan to hire employees
- You are self-employed and unsure what is needed
- You have several offers to compare
- You want to protect income and liability
- Your activity changed since the current policy
Useful documents to prepare
- Current business policies
- Number of employees and insured salaries
- Description of activity and key risks
- Offers received from insurers or brokers
- AHV/LPP documents if available
When changing may not be necessary
If the company is already well followed by a fiduciary and insurer, an independent review of weak points may be enough.