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INSURANCE & PENSIONS For businesses

Occupational pensions (BVG)

As soon as you employ staff whose annual salary exceeds the BVG entry threshold, affiliation with a pension fund is mandatory. In 2026 this threshold is 22,680 francs. Your choice of pension fund and pension plan directly affects your wage costs, the benefits for your employees and your appeal as an employer.

Finaro compares collective foundations, checks interest, costs and risk benefits and supports you when joining or switching. Because we can also run your payroll accounting, contributions and salary reports are correct from the start.

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Insurance

What Finaro handles for you

Process

How the collaboration works

01

Analysis

We record your existing policies, your staff structure and the risks of your business.

02

Quotes

We obtain comparable quotes from several insurers and set them side by side in plain language.

03

Decision and implementation

You decide at your own pace; we handle cancellation, application and the switch without a gap in cover.

04

Ongoing support

We review your solution every year, process changes and support you when a claim arises.

FAQ

Frequently asked questions

For employees whose annual salary with you exceeds the entry threshold (2026: 22,680 francs). Risk insurance begins on 1 January after the 17th birthday, retirement saving on 1 January after the 24th birthday.

Employers and employees together, with the employer paying at least half. Many employers voluntarily pay more as a sign of appreciation.

Yes, voluntarily. This opens up buy-in options with tax advantages. We check whether it is worthwhile for you.

Find the right pension fund for your business.

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