Frequently Asked Questions

A broker represents the client company; an agent represents an insurance company. The broker compares offers from several insurers and negotiates on behalf of their client, whereas the agent distributes the products of the company that employs them.In Switzerland, unrelated intermediaries must be registered with FINMA; MAGE & Associés is registered there under number F01175858.

Nothing for the company. The broker is paid by the insurance companies, in the form of a commission calculated as a percentage of the net premium of the contract.The premium is the same whether the contract is taken out directly or through a broker: the commission is already included.

Two are mandatory as soon as there are employees: compulsory accident insurance, for all employees from the first day of work, and occupational pension schemes, beyond an annual salary of 22,680 francs in 2026.In addition, there is fire insurance for the building, which is mandatory with a cantonal institution in most cantons but not in Geneva, where it falls under the private market.

Changing brokers does not change your contracts. You sign a brokerage mandate with the new intermediary, who then sends a portfolio transfer letter to the insurers concerned.The policies, guarantees, and premiums remain the same: only the contact person changes. The process is free and does not require waiting for the contracts to expire.

In French-speaking Switzerland, from an office in Corsier, in the canton of Geneva. The cantons of Geneva and Vaud represent the bulk of the portfolio.The firm supports more than 250 companies, protects more than 10,000 people and insures around 3,000 vehicles, with about twenty partner companies.