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Startups

Your Experts for Insurance and VAT

Whether registering VAT or correctly setting up social insurance – we support startups and SMEs with all important registrations and returns.

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VAT & Social Insurance – Reliably Regulated

Starting a company means making many decisions – including important obligations such as VAT registration or setting up insurance. Those who take the right steps early benefit long-term.

We help you correctly process your VAT in Switzerland – whether at the start or ongoing. We also reliably handle VAT registration online and on time. This avoids unnecessary back payments or late payment interest.

In addition to tax obligations, we take care of registering your employees with the most important social insurance – from AHV registration to accident insurance (UVG) to sick pay insurance (KTG).

Support in Insurance & VAT Moves You Forward

Reliable Support from Day 1

We know the challenges of founders and ensure that everything runs cleanly from the start – from VAT registration online to complete setup of your insurance.

Efficient Processes with Foresight

We work with modern tools and clear processes so you can focus on your core business. Your VAT correctly processed? We do it.

Focus on Founders and SMEs

We speak your language. With us, you don't get standard solutions, but individual support for your business.

Our Services in the Area of Insurance and VAT

Startup Insurance Advisory

Insurance matters, but not every policy is suitable at every stage. We advise startups independently, explain risks clearly, and prioritise coverage that fits your business model, budget, and growth phase. We do not broker or sell products.

Search interest for “startup versicherung schweiz” is small, yet competition is high. Our approach: clear, neutral decision support instead of product sales.

Our Advisory Services

  • Tailored risk analysis for business model, team, and assets with clear prioritisation
  • Review and optimisation of existing policies (coverage, exclusions, deductibles, premium level)
  • Insurance roadmap from MVP to scale-up with phase‑based budgeting
  • Preparation and support for discussions with insurers/brokers – without any brokering mandate
  • Documented decision dossiers for the board, investors, and financing

How Our Advisory Works

  • Kick‑off via email/call and document intake (digital possible; traditional formats available as needed)
  • Analysis session with a scorecard: essential, optional, dispensable – each with clear rationale.
  • Compact decision and budgeting document as a basis for market negotiations.
  • Follow‑up when circumstances change (team, product, market) and an annual review on request.

Interesting facts

Did you know?

  • Independent advisory enables objective comparisons – we have no product sales interest.
  • Structured policy reviews often uncover gaps (e.g., cyber, product liability) or duplicate coverage.
  • Clear documentation reduces effort and risk during due‑diligence processes.
Request a quote now

Social Insurance for Startups

AHV/IV/EO, ALV, UVG, and BVG – the correct setup depends on legal form, activities, and team. We plan a social insurance solution that grows with your company and complies with Swiss requirements.

Common questions concern classification (employee vs. self‑employed), contributions, and deadlines. We bring clarity and establish practical processes.

Our Services

  • Legal form analysis and implications for AHV/IV/EO, ALV, UVG, and BVG
  • Set‑up/review of payroll processes including withholding tax and required filings
  • Support for self‑employed founders (assessment by compensation office, contribution system, pension options)
  • Processes for onboarding/offboarding, benefit applications, and employer obligations
  • Representation and communication with compensation offices/authorities

How We Work

  • Start via email/phone: digital document submission possible; traditional options available.
  • Contribution and deadline plan per scenario (legal form, team size, pay models).
  • Robust processes for payroll, filings, and certificates – clearly documented.
  • Regular checks: does classification/coverage still fit, or has your setup changed?

Interesting facts

Did you know?

  • Correct classification (employee vs. self‑employed) determines contributions and benefits – misclassification often leads to back payments.
  • Self‑employed contributions follow a degressive system; the compensation office assesses status case by case.
  • Careful documentation and on‑time filings reduce audit and back‑payment risks.
Request a quote now

Startups & VAT (MWST)

From registration duty to rates and returns: we set up your VAT topics so processes are understandable, auditable, and practical – from early stage to scale‑up.

In Switzerland, VAT liability generally applies from CHF 100,000 worldwide turnover (subject to case‑by‑case assessment). We clarify your status, set up processes, and support with filings.

Our Services

  • Assessment of VAT liability and suitable reporting method
  • Registration and communication with the FTA (ESTV)
  • Design of invoicing and booking processes (e.g., SaaS, e‑commerce, B2B/B2C, foreign elements)
  • Preparation of VAT returns (e.g., quarterly) and support with input tax deduction
  • Support with VAT audits and appeals

Our Approach

  • Liability check including threshold monitoring and documented assessment.
  • Alignment with accounting: correct coding, document flow, and rate application.
  • Review before submission and a concise management summary.

Interesting facts

Did you know?

  • Current Swiss VAT rates (as of 2024/2025): 8.1% (standard), 2.6% (reduced), 3.8% (accommodation).
  • VAT liability is generally based on worldwide turnover – exceptions may apply; case‑by‑case assessment is key.
  • SaaS and platform models require clear rules on place of supply and documentation.
Request a quote now

Frequently Asked Questions

Your Contact Person

Jackie Herzog, Partner

Jackie Herzog

Partner

Email

info@tz-zuerich.ch

Get in touch now with no strings attached

Tell us what you need in just a few steps – we will get back to you as soon as possible. It takes less than 2 minutes to fill out. No obligation.

Personalised. Tailored to your needs.

That's what our customers say

We are proud of the trust our customers place in us. Each review reflects personal experiences and provides an authentic insight into our work. Your feedback is not only valuable to us in terms of further growth, but also shows new customers what they can expect from us.