Schweizerischer Kaderverband SKV

The Swiss Executive Association SKV is aimed at SMEs, self-employed individuals, professional executives, and leaders in Switzerland. Students and family members can also become members depending on the offer. In this way, different target groups benefit from suitable association and insurance solutions at favorable conditions.

The Swiss Executives Association SKV offers occupational retirement solutions according to BVG for SMEs and self-employed with or without staff. Depending on needs and legal form, different retirement models are possible, including connection to the ASGA pension fund. Particularly for self-employed individuals operating as a sole proprietorship, the SKV enables access to various retirement models, also through the BVG compulsory occupational pension.

With the health insurance for sickness benefits (KTG), the financial consequences of illness-related absences are offset. The accident insurance (UVG) also protects against the costs of occupational and leisure accidents for business owners and employees. Both solutions help keep the business financially stable and secure the financial consequences of disability of the owner or employees in the first two years.

The professional and business liability insurance protects against personal, property and financial losses. Especially for advisory activities, pure financial losses are also insured with the professional liability insurance. This makes companies better protected against typical liability risks. The professional and business liability insurance also helps in defending against unjustified claims.

The D&O director liability insurance of the Swiss Executive Association SKV protects the personal assets of executives against claims arising from their board function. It also assists in defending against unfounded lawsuits. This is especially important for boards of directors, management teams and decision-makers.

The SKV cyber insurance provides essential protection against financial losses, data leaks, business disruptions, and cyber extortion. It helps minimize damages and offers professional urgent assistance when it matters. And that around the clock. It includes various coverage components and is tailored to the needs of SMEs.

Yes, the SKV offers collective agreements with CSS and Helsana. Members benefit from discounts of up to 10% on selected supplementary insurances.

The corporate legal protection insurance supports companies in legal disputes in everyday business. It helps with conflicts with customers, suppliers, or authorities and covers, depending on the case, also costs for advice and proceedings. The corporate legal protection insurance can also be combined with private legal protection. SKV private legal protection insurances are available for individuals (annual premium CHF 198) or as coverage for the entire household (annual premium CHF 278).

Many people assume that the benefits of the pension fund (BV) are sufficient in the event of death or disability. In reality, however, occupational pension provision (BV) covers only a part of the financial risk depending on age, income, employer, and pension plan. Especially in the case of disability or death, coverage gaps can arise that can significantly burden the family or standard of living. The combination of the pension fund, private provisions, and an individually tailored risk insurance provides the necessary security.