Business Customers
Professional Insurance for Businesses: Clear, Consistent, and Well-Managed Coverage.
Relax Total Solutions supports self-employed professionals, small and medium-sized businesses, and corporations in French-speaking Switzerland by analyzing, optimizing, and managing their business insurance policies. Our goal is to help you protect your business, your employees, your premises, and your liabilities with solutions tailored to your specific needs.
Is your business well protected?
We help you regain control of your insurance policies.
Scattered policies, unclear coverage, high premiums, poorly identified risks: we analyze your situation and provide you with long-term support.
Have my portfolio analyzed
Business Insurance
Business insurance for companies that protects your business without making it more complicated.
A business evolves rapidly: new employees, growth, changes in business activities, new facilities, equipment, vehicles, legal obligations, or specific risks. Your contracts must therefore keep pace with these changes.
However, business insurance for companies is often managed on a day-to-day basis, policy by policy, without a comprehensive overview. As a result, some coverage may be redundant, inappropriate, or insufficient.
- You're not sure if your business is properly covered.
- Your contracts were signed at different times, without an overall view.
- You'd like to check your premiums, deductibles, and coverage.
- You want to avoid duplicates or uncovered risks.
- Are you looking for a single point of contact to manage all your insurance matters?
Our Brokerage Services
We can work with you to manage your business insurance
Our role goes beyond simply offering you a policy. We can analyze your existing portfolio, advise you, reach out to insurance companies, compare quotes, negotiate terms, and regularly monitor your business insurance coverage.
Comprehensive Portfolio Analysis
We review your current insurance policies to understand your level of coverage, your benefits, your deductibles, your premiums, and any potential areas of concern.
- Overview of Existing Contracts
- Identifying Duplicates
- Identifying Coverage Gaps
- Analysis of Key Coverages and Exclusions
Practical Recommendations
After our analysis, we present you with clear recommendations for improvement: contracts that need to be adjusted, guarantees that need to be reviewed, coverage that needs to be expanded, or areas where simplification is possible.
- Prioritizing Actions
- Options Tailored to Your Business
- Comparison of Available Solutions
- Simple and easy-to-understand explanations
Communication with the companies
We can assist you in your dealings with insurers to secure terms that are consistent with your situation, the size of your business, and your needs.
- Requests for Proposals
- Comparison of Proposals
- Negotiating Terms
- Support in Decision-Making
Administrative Follow-Up
We can help you centralize the management of your insurance policies and maintain better visibility into your due dates, contracts, and any necessary adjustments.
- Tracking Deadlines
- Coordination with Insurers
- Adjustments in the Event of a Change
- Assistance with administrative procedures
Regular Review of Coverage
A business changes. We work with you over time to ensure that your insurance coverage remains aligned with your actual business operations.
- Annual Portfolio Review
- Adapting to Growth
- Risk Trends
- Update on Requirements
A Centralized Point of Contact
Instead of managing multiple policies and contacts separately, you have a single point of contact who helps you organize, understand, and keep track of your insurance policies.
- Improved readability
- Time savings
- Personalized Support
- Comprehensive Risk Overview
Business Solutions
Business Insurance Policies We Can Review
Depending on your business, its size, and its structure, we help you identify which insurance policies are necessary, useful, or in need of review. The goal is to build a comprehensive, easy-to-understand coverage plan tailored to your company’s actual risks.
Professional Liability Insurance
Essential coverage to protect your business in the event of damage caused to a third party in the course of your business operations.
- Business Risks
- Damage to Third Parties
- Financial Protection
- Suitability for the Job
Loss of Earnings Due to Illness
We help you evaluate solutions to protect your company and employees in the event of a prolonged absence due to illness.
- Wage Protection
- Financial Continuity
- Employee Coverage
- Adjustment to Headcount
Occupational Retirement Plans
We help you understand and optimize retirement planning solutions for executives and employees.
- LPP and Pension Plans
- Employee Protection
- Solutions for Executives
- Vision for Retirement and Security
Property Insurance
Protection of the equipment, premises, furniture, merchandise, or other assets necessary for the operation of your business.
- Commercial Space
- Materials and Equipment
- Inventory or merchandise
- Water damage, fire, theft
Insurance for the Self-Employed
We help self-employed individuals tailor their personal and professional insurance coverage to their line of work, income, and risks.
- Income Protection
- Professional Liability
- Personal Retirement Planning
- Health and Accident Coverage
Small Business Insurance
We assist small and medium-sized businesses in structuring their insurance coverage and monitoring their portfolios.
- Overview of Risks
- Contracts Tailored to Company Size
- Employee Protection
- Long-Term Monitoring
Who is it for?
Support for the self-employed, small and medium-sized businesses, and organizations
Our business insurance policies are designed for self-employed individuals as well as local small and medium-sized businesses, retail stores, professional practices, service firms, and growing companies.
Talking About My Business- Self-Employed and Freelancers
- Local SMEs
- Stores and Shops
- Firms, Offices, and Service Professions
- Companies with employees
- Executives looking to optimize their portfolio
- Organizations in the Process of Being Established or Expanding
- Organizations that want to consolidate their insurance policies
Method
How is your portfolio analysis conducted?
We follow a clear approach to understand your business, analyze your contracts, and provide you with a structured overview of your business insurance coverage.
First Exchange
We'll discuss your business, your organization, your employees, your facilities, and your priorities.
Contract Collection
We gather the information needed to understand your current portfolio.
Analysis and Diagnosis
We identify strengths, redundancies, gaps, and areas for improvement.
Recommendations and Follow-up
We provide you with clear recommendations and can assist you in implementing them.
Benefits for the Company
Clearer, More Consistent, and More Effective Professional Insurance
Our support is designed to help you achieve greater clarity, save time, and enhance security in managing your business insurance policies.
An Overview
You'll gain a better understanding of all your contracts and their role in protecting the company.
Better Risk Management
We help you identify sensitive areas and determine the appropriate coverage.
A time-saver
You avoid having to handle all the communication, comparisons, and procedures with insurers on your own.
Long-term monitoring
Your insurance policies may need to be reviewed as your business, your facilities, or your team change.
Key Moments
When should a company review its insurance policies?
Certain stages in a company’s life cycle require special attention. It is often at these times that a portfolio analysis proves most useful.
Check My Portfolio- Starting a Business
- New Employees Join the Team
- Relocation
- Major Equipment Purchase
- Development of a New Business
- Premium Increase
- Contract Renewals
- Desire to centralize insurance management
Useful Resources
Some Official Resources for Businesses in Switzerland
To supplement our explanations, you can also consult certain official Swiss resources on insurance intermediaries, mandatory accident insurance, and self-employment status.
Insurance Brokers
FINMA maintains a public registry of insurance intermediaries.
Mandatory Accident Insurance
The FOPH provides information on individuals who are required to have accident insurance under the LAA.
Become self-employed
ch.ch provides useful information on self-employment status in Switzerland.
Frequently Asked Questions
Frequently Asked Questions About Business Insurance for Companies
Can you review the contracts we already have?
Yes. Analyzing your existing portfolio is, in fact, a key part of our support. It provides a comprehensive overview of your current policies.
Can you handle communications with the insurance companies?
Yes, we can assist you with requesting quotes, comparing options, communicating with, and negotiating with insurers.
Is this only for large companies?
No. We also support self-employed individuals, small businesses, SMEs, and growing companies.
Can you review our insurance history over time?
Yes, we can help you regularly monitor your portfolio so that you can adjust your coverage as your business grows.
What types of business insurance policies can you review?
In particular, we can analyze insurance policies related to professional liability, loss of earnings, retirement benefits, company property, employees, and risks specific to your business.
Does the analysis suggest we should switch insurance plans?
No. The goal is first and foremost to give you a clear picture. You always have the final say regarding your contracts.
Insurance Portfolio
Your company deserves a clear understanding of its coverage.
Request an analysis of your business insurance portfolio and discover ways to optimize coverage for your business.
Who it's for: self-employed individuals, small and medium-sized businesses, companies, and organizations
Goal: Analyze, optimize, negotiate, and monitor your insurance policies
Answer: Callback within 24 hours
Request a portfolio analysis
Please provide your contact information, and we'll get back to you to review your company's insurance coverage.
Your information will remain confidential and will be used solely to contact you.