Resources
Clear answers for your decisions.
Practical guides written for managers and HR officers. Each one gives a short answer, an explanation and a checklist. All guides are available in English; source documents in French are marked FR.
By situation
Your business is changing. So are your risks.
Start from what you are going through: for each situation, two or three reads to prepare the right questions.
Or search the whole libraryHiring, opening a new site or launching a new activity?
Take stock of what has changed and check that your contracts still describe the business as it really is.
- GuideAnnual insurance audit: the checklist
- ToolBusiness insurance in Switzerland: which obligations should you check?
- ServiceI-MAGE: analysing your risks, organising your protection
Acquiring a company or preparing a merger?
Who will be the policyholder tomorrow, and from what date? Insurance continuity is prepared before signing.
- GuideMerger or acquisition: preparing for insurance continuity
- ServiceContract management
- ServiceDirectors' and officers' liability (D&O)
An employee has been absent for several weeks?
Salary, daily allowances and administrative follow-up are coordinated early, with no diagnoses in the HR file.
- GuideManaging a long-term absence
- GuideSickness daily allowance insurance: managing salary payments and absence monitoring
- ServiceSickness daily allowance insurance
Investing in a machine or key equipment?
Insured value, repair and production downtime are three separate questions, to be clarified before any damage.
- GuideMachinery breakdown: choose an appropriate insured value
- GuideBusiness interruption: preparing to quantify a loss
- ServiceEngineering insurance
An employee is leaving on an assignment abroad?
Social security status and cover are checked before departure, depending on the country, duration and nature of the assignment.
Talk it over with MAGEResource library
33 resources
Insurance renewals and cancellations: preparing your calendarDeadlines & contracts · Renewal dates are more than dates in a diary: they are opportunities to make decisions.Right to terminate a business insurance policy: situations to checkDeadlines & contracts · There is no single date that applies to every contract: the answer lies in your contract and the applicable legal framework.Changing occupational pension institution (BVG/LPP)Pensions · A change of pension fund is decided with employees, not merely notified to them.Company fleet: points to reviewVehicles · The fleet changes faster than the contract: regular reviews help avoid unwelcome surprises.Managing a long-term absencePeople & absences · A long absence involves several parties; it is in the employer's interest to organise coordination early.Accident, illness and dismissal: the protected periodPeople & absences · Ask the right questions before any decision: each situation must be examined individually.Construction all risks insurance: preparing your projectConstruction · The name "all risks" does not remove the need to read what is insured, on what terms and for which period.Annual insurance audit: the checklistManagement · A well-prepared review makes gaps visible and helps prioritise insurance decisions.Relapse under sickness daily allowance insurance: points to checkPeople & absences · After a return to work, a further absence requires a reading of the contract and precise monitoring, not an automatic conclusion.Burnout at work: address the causes and organise follow-upPeople & absences · Address how work is organised as well as support for the individual.Relapse after an accident: find the right accident insurance (UVG/LAA) filePeople & absences · The right claim reference avoids starting again with the wrong information.An employee's accident: accident insurance (UVG/LAA) or health insurance?People & absences · Working hours with each employer matter, not an approximate total across jobs.After an accident: coordinating invalidity insurance, accident insurance and pension provisionPensions · A coordinated file starts before any invalidity decision.Dental injury: report the facts and check coverPeople & absences · The quality of the facts submitted matters more than an improvised classification.Machinery breakdown: choose an appropriate insured valueManagement · A machine depreciated in the accounts may still be expensive to replace."Garantie décennale" in Switzerland: what the term does not tell youConstruction · A phrase in a quotation is no substitute for a precise undertaking or a policy.A defect after acceptance (handover): useful first stepsConstruction · Preserve evidence and give precise notice without waiting for every cause to be established.Loss of earnings due to sickness: clauses to review before an absencePeople & absences · Compare the clauses with your HR commitments before a claim puts them to the test.Cyberattack: which costs should you check in your insurance?Cyber · An IT incident involves several budgets and several procedures.Stock and seasonality: keeping insurance values in line with your businessProperty & operations · A value set once a year rarely keeps pace with stock that changes with the seasons.Water damage at your business: preparing a clear claim fileProperty & operations · A clear claim file starts in the first few hours, not when a disagreement arises.Sickness daily allowance insurance: managing salary payments and absence monitoringPeople & absences · A well-monitored absence means accurate pay and matching benefit statements.Fire and natural hazards: understanding your business coverProperty & operations · The same event affects the building, its contents and business operations: three different questions.Accidents during leisure time: what employers should doPeople & absences · The accident happens at the weekend; its consequences reach the office on Monday.Directors and officers liability (D&O): when should you review protection?Liability · Business liability insurance addresses the company's activities; D&O addresses the decisions of those who run it.Assignments abroad: check cover before departurePeople & absences · Before booking the flight, check which social security system will apply to your employee.Legal protection insurance: establish good practices before a disputeLiability · The right time to read your legal protection policy is before the first registered letter arrives.Subcontractors: check insurance before they start on siteConstruction · An insurance certificate answers one question; your subcontract raises several.Public or private contracts: review the insurance requirementsConstruction · What you sign up to in the tender will need to be evidenced on site.Business liability insurance: seven points to check in your policyLiability · Seven questions to establish whether your liability insurance really reflects your activities.Business interruption: preparing to quantify a lossProperty & operations · Lost turnover is not the indemnity: it is the starting point for the calculation.Merger or acquisition: preparing for insurance continuityManagement · The transaction has a date; your insurance needs to span it without a gap.Business insurance in Switzerland: which obligations should you check?Management · A list of obligations starts with your circumstances, not a general table.
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