Solutions for companies
Your reliable partner for company insurance in Basel and the surrounding area
At Tragwerk AG, you get tailor-made insurance solutions that fit your company perfectly. Whether personal insurance, property insurance or asset insurance – we support you in optimally protecting your business and minimizing risks in a targeted manner.
Personel Insurances
By covering your personal and staff, including yourself, you protect everyone against loss of wages, following an accident or illness, or in the case of maternity.
According to the Swiss Federal Act on Accident Insurance (UVG) a Swiss employer is mandated to provide accident insurance to its employees – work and non-work related, if they work more than eight hours per week. As with all other types of insurances, we can compare the insurance premiums from different insurers so you’ll receive the best possible premium/benefit ratio.
Basic UVG Accident Insurance has limitations: We can compare premiums on the UVG Supplemental Insurance market and find the most attractive proposals suitable for you. The benefits and cover for this type of supplemental insurance should include:
- Cover for the loss of wages over the UVG maximum wage limit of CHF 148’200
- Semi-private or private hospital cover, worldwide
- Assumption (cover) of continued payment of wages in the event of loss of earnings due to an accident
- Supplemental benefits in the event of disability or death
As opposed to accident insurance for your personel, daily sickness allowance insurance is voluntary. However, as an employer, you are legally obligated to continue to pay wages, if one of your employees is unable to work due to illness or pregnancy. As with all other types of insurances, we can compare the insurance premiums from different insurers so you’ll receive the best possible premium/benefit ratio.
The retirement provision in the second pillar (BVG) is based on an individual savings scheme. This savings process starts at the age of 25 with the requirement that the annual earned income is at minimum above the entry threshold (from 2025: 22'680 Fr.). The savings scheme ends when you reach retirement age. The retirement savings accumulated during these years on the individual BVG account determines size of your retirement pension. This existing capital, using a conversion factor, is converted into your annual retirement pension.
We look for the best solution for your company and at regular intervals, we check to make sure that your company has the best possible solution – while also informing you of important changes in this market.
In cooperation with the employer, we inform the insured about their current insurance solution.
In collaboration with the employer, we analyze the current insurance picture and situation
Property Insurance
As opposed to private house contents insurance, business property insurance is one of the basic insurance requirements for every business.
Would you like to insure your new company car, or change your current company car insurance? Would you like to choose the exact cover for your company car that suits you – and only pay the premium on the cover you actually desire and need?
Protect your business’ valuable belongings against damages through natural disasters, fire, water or other damages.
Whether it is the CNC machine, or the production line, protect yourself, should your equipment ever fail.
With transport insurance for businesses, you are protected against the consequences of damages to goods or equipment that can occur during a transport. As a your decision-making support to choosing the appropriate scope of insurance, we compare the services of different providers always looking for the best solution.
In addition to the typical, classic insurance solutions, protect your inventory against damage and destruction of many different origins.
Assets Insurance
Asset insurance protects your company's assets. It guarantees the reimbursement of financial losses resulting from an insured event.
Professional and business liability insurance protects you and your business against the financial consequences following personal injury, property damage and financial damage claims for which your business could be held liable.
Business liability insurance also protects your business against the financial consequences that could occur due to certain facilities, operations, product or environmental risks.
Additionally, we gladly advise you regarding special risks supplemental insurances, such as the inability to use your equipment, installation and de-installation costs, mixing or processing damages and duty of care damages.
Due to the ever-increasing importance and prevalence of online and digital communications in the daily business life, the risks that these digital platforms can present are also steadily increasing. Whether credit card or data abuse, infection of an electronic device by malicious software, data loss or cyberbullying, cyber insurance offers you optimal protection against claims originating out of any of these electronic and digital media.
Business Legal Protection insurance (also known as Business Legal Protection Insurance, Company Legal Protection Insurance, or Corporate Legal Protection Insurance) is an indispensable protection for a business or the self-employed, providing cover for the cost of various legal disputes that could arise from anywhere in your business, including cover for attorney costs and other legal processing expenses.
D&O insurance gives managers, and managing directors financial safety shield so that a professional risk cannot turn into a personal risk exposure. Members of the Executive Board, Management, Supervisory Board and Advisory Boards are also protected, should their own company, or a third party make a claim against them.
More security for your company - with solutions that suit you.
We do the work so that you can concentrate on the essentials.