Situation
An employee is injured on a building site.
Consequence
UVG/LAA insurance covers the treatment costs and pays daily allowances of 80% of the insured salary.
UVG/LAA & supplementary accident insurance
Your employees protected, your obligations met.
Accident insurance is compulsory for all employees in Switzerland. We check your statutory cover and supplement it where the Accident Insurance Act (UVG/LAA) stops.
Why it matters
Very real situations.
Situation
A manager whose salary exceeds the statutory ceiling has a skiing accident.
Consequence
The UVG/LAA only covers salary up to CHF 148'200 a year: beyond that, the loss is not covered without supplementary UVG/LAA insurance.
Situation
A part-time employee is injured in her free time.
Consequence
If she works fewer than 8 hours a week for you, non-occupational accidents are not covered by your UVG/LAA insurance.
What we cover
The essentials, explained simply.
Compulsory UVG/LAA insurance
Occupational accidents and diseases and, from 8 hours of work a week, non-occupational accidents.
Treatment costs
Medical care, hospital stays in the general ward, medication and medical aids.
Daily allowances
80% of the insured salary, from the third day after the day of the accident.
Supplementary UVG/LAA insurance
The portion of salary above CHF 148'200 a year and/or up to 100% of salary.
Private hospital cover
Semi-private or private ward for your employees, in addition to the general ward.
Disability & survivors
Additional benefits to protect your employees and their families when the worst happens.
Prevention
Workplace safety measures that reduce accidents — and, over time, your premiums.
Points to watch
The mistakes we see most often.
- 01
Salaries above the ceiling
Above CHF 148'200 a year, salary is no longer covered by the UVG/LAA: supplementary UVG/LAA insurance avoids a significant loss for your managers.
- 02
Part-timers working under 8 hours
They are not covered for non-occupational accidents: they need to know this and cover the risk through their health insurance.
- 03
Suva or a private insurer?
Depending on your sector, insurance with Suva is compulsory; otherwise, you choose a private insurer. Check this as soon as the business is set up.
- 04
Forgetting the self-employed owner
As a self-employed person, you are not automatically covered by the UVG/LAA: voluntary insurance is possible.
Our method
Support in 4 steps, with no effort on your part.
- 01
Analysis
Your contracts, your needs, your goals: we carry out a full review.
What you get
A clear overview of your cover
- 02
Comparison
As an independent (non-tied) broker, we compare offers from many insurers, without bias.
What you get
The best offers, compared for you
- 03
Set-up
We handle the formalities, from cancellations to new contracts.
What you get
No admin for you to deal with
- 04
Follow-up
Claims, life changes, regular reviews: we stay by your side.
What you get
A dedicated point of contact, for the long term
- Non-tiedIndependent broker
- FINMARegistered · F01536191
- +2'500Clients supported
- 98%satisfaction rate
- +10 yearsof experience
Frequently asked questions
UVG/LAA & supplementary accident insurance:your questions.
Our experts' answers to the questions we are asked most often.
Yes. All employees working in Switzerland must be insured against occupational accidents and diseases. From 8 hours of work a week with the same employer, non-occupational accidents are also covered.
Let's talk about your situation.
A first conversation to review your business and its needs.
Book an appointmentRelated areas
Also worth exploring.
Group daily sickness allowance
Continued salary payments in the event of illness.
- Daily allowances
- Tailored waiting period
- Employer obligations covered
Company pension plan (BVG/LPP)
Occupational pension provision for your employees.
- Choice of collective foundation
- Tailored pension plans
- Cost analysis
Professional / business liability
Damage caused to third parties in the course of your business.
- Bodily injury and property damage
- Defence costs covered
- Tailored to your sector
Official sources
General information, as of 2026 — it does not replace personalised advice.