Accident insurance (UVG)
Mandatory for all employees from the first day of employment. Non-occupational accidents must also be covered once an employee works at least eight hours per week. More on employer payroll obligations.
Independent insurance broker for Swiss SMEs
- FINMA-registered & independent
- Commission rebate
- Full cost transparency
Satisfied customers all across Switzerland!
“Nexova's careful analysis recovered CHF 60,000 in premiums we had overpaid. Our new sickness benefit policy now saves us CHF 15,000 a year.”Marc Schneider | CEO, Bürki Bau AGOur insurance services
All your business cover in one place
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What insurance broking costs
Paid by the insurer, working for you
Insurance brokers are paid by the insurer through a commission that is already priced into your premium, whether or not you work with one. Above a certain premium volume, we pay part of that commission back to your company. That is the commission rebate, and it lowers the real cost of your cover.
Startup: annual premium volume under CHF 40,000 The full broker service, from risk analysis through to claims support. The rebate does not apply at this level.
Corporate: annual premium volume above CHF 40,000 The full broker service, plus the commission rebate and ongoing management of your policies.
Which insurances does your company need?
Your legal obligations as an employer
Sickness benefit insurance (KTG)
Voluntary in most cases, unless a collective labour agreement requires it. Without it, the employer carries the salary continuation obligation directly. More on daily sickness allowance insurance.
Pension plan (BVG)
Mandatory for employees earning above the annual entry threshold. The employer must affiliate with a pension foundation and contribute at least as much as the employee. More on comparing Swiss pension funds.
Liability, property, D&O, cyber and legal protection
Voluntary for most businesses, though frequently required by clients, landlords, lenders, or sector regulation.
Not sure what applies? We'll assess your risks.
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How Nexova insurance broking works
Not tied to any single insurer
Nexova is an independent FINMA-registered insurance broker. That means we act for you, not for a specific insurer.
We compare the market to find where offers genuinely differ and how well they are suited to your particular coverage requirements. We place business regularly with Zurich, Helsana, Asga, Profond, and Orion, among others. In every case, our recommendations follow your risk profile rather than any relationship of ours.
For pension, accident and sickness benefit cover, premiums are calculated on salary data. Where Nexova already runs your payroll, that means accurate declarations and faster quotes.
Our support doesn't end once your policy is finalised. We handle renewals, review your policies annually, and support you when a claim arises.
Our service promise
Insurance made clear and manageable
Fully independent
FINMA-registered broker with no ties to any single insurer.
One point of contact
All your policies coordinated by one team, across every line.
No cost to you
Our advice is funded by commission already priced into your premium.
Commission rebate
Part of the commission is returned to you above CHF 40,000 in annual premium.
Claims support
We deal with the insurer when something goes wrong. You are not alone.
Book a free initial consultation with our experts.
Book a callThe steps to your insurance solution
We've got you covered, every step of the way
Initial consultation
A free first meeting in which we review your current position, your existing policies, and what you want your cover to do.
Transparent offer
We set out the terms of the broker mandate and fix the level of your commission rebate in writing, before any work begins.
Policy & risk review
We examine what you already hold, what the law requires of you, and where the real exposure sits.
Market comparison
We obtain quotes across all relevant insurers and put them side by side, so you can see exactly where they differ.
Advice & placement
You receive a clear recommendation. Once you decide, we handle the paperwork and deal with the insurer.
Ongoing support & claims
We take over your contracts, review your policies every year, and deal with the insurer when a claim arises.
Why Nexova
Trusted by companies across Switzerland
Broad experience: Nexova's deep knowledge of Swiss regulations ensures your insurance cover is compliant and cost-effective.
Fully digital: Nexova's digital process lets you manage everything remotely. No office visits or paperwork required.
Personalized advice: We prioritize your goals, tailoring guidance to fit your unique business needs.
Highly efficient: We ensure a fast, smooth process, helping you meet your insurance needs without delay.
Flexibility: Our services adapt to your budget and schedule, whether you are a growing SME or an established company.
Complete trust: Nexova values long-term relationships, providing confidential, transparent, and integrity-driven service.
Book a free initial consultation with our experts.
Book a callTrusted by over 250 companies
Discover the diversity of our customers
Jan LichtenbergCEO, InSphero AGAs an internationally active biotechnology company that stands for innovation and the highest quality, we work exclusively with partners who meet our high standards. Nexova consistently impresses us with exceptional service quality, robust processes, and an impressive pace. The professional, solution-oriented, and efficient collaboration allows us to fully focus on our core business. Additionally, we would like to highlight the remarkable cost savings of 35% compared to in-house accounting. We particularly appreciate how Nexova quickly understands, develops, and promptly implements complex requirements – both within Switzerland and at our international subsidiaries. We can wholeheartedly recommend the Nexova team.
Pascal Willoughby-PetitCEO, TheLearning LAB GmbHNexova AG offers highly professional accounting services that have significantly enhanced our financial management at Learning Lab. Their team is precise and reactive, always delivering accurate and timely reports while promptly addressing our queries. With Nexova AG’s support, we manage our clients’ accounts and finances more efficiently. We highly recommend Nexova AG for their exceptional accounting services.
Marco BurgerCEO, Le Café Bar GmbHFor us as a new catering company, it is essential that our trustee understands our specific needs and responds flexibly to our requirements. In Nexova AG, we have found the ideal partner who supports us competently in all fiduciary matters and actively promotes our growth.
Jörg BuckmannManaging Director, BUCKMANN GEWINNT+Uncomplicated or serious? Or is it and? A young, clever team is at work here, offering excellent services, highly uncomplicated and competent. Instead of a prestigious reception, expensive offices and chocolates, there are fast services and competent services. For me as a one-man company, this is exactly what I need.
Florian JauchCo-Founder, Arvy AGArvy AG has found an exceptional partner in Nexova AG. Their very high level of expertise in FINMA-regulated industries ensures that our financial transactions are in safe and competent hands. What sets Nexova apart is their flat-rate pricing structure, which has helped us greatly with budgeting and financial planning. As a company committed to long-term success and integrity in investments, we are very satisfied with the services provided by Nexova AG.
Patrick RissiCo-Founder, Brainiegroup GmbHFor us as an EdTech startup, it is very important that our trustee is as digital and agile as we are. With Nexova AG, we have found the perfect partner who can actively support us in our growth.
Here's what our customers say
Your feedback matters
5.0 stars
103 reviews
- Marc Perren
Mr. Merz has a very broad knowledge and was able to help me with all my questions. The conversation was very pleasant and very informative for me. Thank you for your support.
- Jörg Buckmann
Uncomplicated or serious? Both here. A young, smart team is at work here, offering excellent services, highly uncomplicated and competent. Instead of a prestigious reception area, expensive offices and a few small gifts, you offer fast and competent services. For me as a one-man company, this is exactly what I need.
- Martin Gerber
I have been a Nexova customer for some time now and so far I am very satisfied! Thanks to the digital working methods and high responsiveness of the client managers, little time is lost in the daily process in particular. The prices are also very fair. Nexova handles the annual financial statements for me, including the tax balance sheet. The processes are standardized, which is a great advantage for audits (AHV and taxes). The two founders are two young, innovative guys and very serious.
- Florian Kreidler
The friendly and competent Nexova employee was able to answer my questions about company car taxation quickly and specifically. Thank you very much for this!
- Reto S
When I founded my company a year ago, I needed a reliable fiduciary partner. In addition to pure accounting, Nexova also offers me very good advice on all aspects of labor law. Thanks to the E-Post solution, I no longer even have to worry about my company mail and can focus purely on my service activities. My contacts at Nexova are always very friendly and pleasant to deal with. The complete package is simply TOP and I can only recommend Nexova!
- Pascal Zumstein
Top company & friendly owners. A highly recommended trustee.
- Seb Ur
Very good and competent advice!
- Louis Revel
Very satisfied with the work done and the service provided in terms of quality and price. I highly recommend
- David Leu
Professionally at a very high level. They are very good with Excel and could also support us with automation of processes.
- Stefan Burgener
I had a few questions about remote work and was advised super and free of charge. Thank you very much!
- Luca Märki
Very good service. Good and competent advice with friendly staff. I can definitely recommend
- Edward Buchanan
The Nexova team is very professional and I felt they always had my best interests at heart. I highly recommend Nexova and will continue to refer my clients to them and trust them with my business.
- Juliam Pantano
I am impressed with their outstanding service, especially in the field of accounting services, they demonstrate a professional approach and exceptional attention. As a lawyer, I have found Nexova to be a valuable partner in the financial world.
- Marie Ospina
I had an excellent consultation with Nexova AG regarding withholding tax. Their expertise is remarkably extensive and their guidance was invaluable, I highly recommend their services. A first class experience.
- Alan SchuetzFebruary 8, 2023
The Nexova Team is an important partner to our startup, enabling us to pass all of our accounting, tax and payroll duties. We specially value their expertise with Startups and flexibility, which allows us to plan and manage our financials effectively and to focus on the bottom line of our operations.
- Raphael H.April 7, 2023
We are very satisfied with Nexova as our trustee. Thanks to the Teams group chat, I can always count on very fast response times (of a few minutes). The Teams Chat group is great. With our old trustee, we had to write mails and always had to wait a long time for an answer and on top of that we were charged for every little question. Fortunately, this is not the case with Nexova.
- Philip ReckFebruary 25, 2023
Nexova solved my problem with a non-paying tenant quickly and efficiently. I was simply overwhelmed with the situation and glad for the competent legal advice. Nexova handled everything from the reminder with threat of termination, to representation in court, to the police eviction quickly, efficiently and also inexpensively. Many thanks for the valuable help.
Trusted by Swiss local businesses
Facts and figures
5.0 stars
103 reviews
5
Languages
26
Cantons
250
Clients
Dedication
FAQ
Answers at a click
Insurance brokers are paid through a commission from the insurer, not by the client. The commission is calculated as a percentage of your annual premium and varies by insurance product and provider. Nexova discloses the total commission we receive on your policies, so you always know exactly what we are paid.
A commission rebate is when Nexova pays part of the commission we receive from your insurer back to your company, lowering the real cost of your insurance cover. It applies once your total annual premium volume across all policies exceeds CHF 40,000.
It depends on your total premium volume and the mix of policies you hold. We agree the exact percentage in writing at the offer stage, before you commit to anything.
No. The insurer's commission is already included in your premium whether you buy directly or through a broker. Buying directly means paying the same price without a market comparison, without the commission rebate above CHF 40,000, and without anyone representing your interests if a claim is disputed.
A general agency represents a single insurer and can only offer that insurer's products. An independent, FINMA-registered broker such as Nexova compares the whole Swiss insurance market, negotiates on your behalf, and is not tied to any single provider's interests.
No. Switching to Nexova means transferring the broker mandate on your existing contracts, not replacing them. Nothing changes for you immediately and there is no interruption in cover. If a market comparison later shows a better option, the decision to switch insurer remains entirely yours.
Insurance intermediaries in Switzerland must be registered with FINMA, which sets requirements on qualifications, professional indemnity cover, and conduct including transparency about remuneration. Nexova is registered as a non-tied insurance intermediary (registration no. F01433045), working for you rather than for an insurer. You can verify our registration directly on FINMA's public register.
Yes. Since we already process your payroll, we hold the salary data used to calculate pension, accident, and sickness benefit premiums. That means faster quotes, more accurate declarations, and fewer corrections at year-end.
Independence Statement: Nexova AG is an independent private fiduciary firm. We are not a government agency or authority, and we are not affiliated with any government department or official register. All official acts, registrations, and approvals are carried out solely by the competent Swiss authorities and notaries.
Read our full Independence Statement
Any more questions?
“I'm happy to review your policies and help you find the right cover for your business.”