{"id":12513,"date":"2025-11-05T17:00:00","date_gmt":"2025-11-05T17:00:00","guid":{"rendered":"https:\/\/visavis.ch\/news-ratgeber\/diese-versicherungen-sind-fuer-unternehmen-obligatorisch\/"},"modified":"2026-09-07T15:12:47","modified_gmt":"2026-09-07T15:12:47","slug":"queste-assicurazioni-sono-obbligatorie-per-le-aziende-in-svizzera","status":"publish","type":"post","link":"https:\/\/visavis.ch\/it\/news-consigli-utili\/queste-assicurazioni-sono-obbligatorie-per-le-aziende-in-svizzera\/","title":{"rendered":"Queste assicurazioni sono obbligatorie per le aziende in Svizzera"},"content":{"rendered":"<div class=\"wp-block-blueglass-intro bgb-intro bgb-intro--default bgb-52121d11\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-4864221d\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-40986b72\"><p class=\"wp-block-blueglass-paragraph bgb-80026666\">Una consegna errata comporta danni finanziari per un vostro cliente, un danno causato dall\u2019acqua nei vostri uffici danneggia il negozio adiacente oppure una visitatrice scivola sul pavimento bagnato nel vostro esercizio? Spesso, i danni a persone e cose si verificano pi\u00f9 facilmente di quanto si pensi. Noi rispondiamo alle domande pi\u00f9 importanti sulle assicurazioni per la vostra azienda. Scoprite quali sono i rischi di cui tenere conto, cosa debba essere assicurato, quali assicurazioni sono obbligatorie in Svizzera per le aziende e quali sono invece facoltative.<\/p><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-fakten bgb-fakten bgb-fakten--angepasst-invers bgb-14719d82\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-47749be6\"><div class=\"bgb-wrapper__container\">\n\n<div class=\"wp-block-blueglass-grid bgb-grid bgb-7a9f51af\"><div class=\"wp-block-blueglass-grid-item bgb-grid-item bgb-132392da\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-8fcd1e1f\"><span class=\"bgb-icon__svg\">\n<svg id=\"Reinzeichnung\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 48 48\">\n  \n  <path d=\"M28.88,13.8c-1.32-1.32-2.94-1.97-4.88-1.97s-3.56.66-4.88,1.97-1.97,2.94-1.97,4.88.66,3.56,1.97,4.88,2.94,1.98,4.88,1.98,3.56-.66,4.88-1.98,1.97-2.94,1.97-4.88-.66-3.56-1.97-4.88ZM26.78,21.45c-.72.72-1.64,1.08-2.78,1.08s-2.06-.36-2.78-1.08-1.07-1.64-1.07-2.78.36-2.06,1.07-2.77c.72-.72,1.64-1.08,2.78-1.08s2.06.36,2.78,1.08c.72.72,1.07,1.64,1.07,2.77s-.36,2.06-1.07,2.78Z\" fill=\"#cced60\" \/>\n  <path d=\"M39.45,10.35c-.37-.52-.83-.89-1.4-1.12l-13-4.85c-.37-.13-.72-.2-1.05-.2s-.68.07-1.05.2l-13,4.85c-.57.23-1.03.61-1.4,1.12-.37.52-.55,1.09-.55,1.73v9.8c0,4.83,1.35,9.28,4.05,13.33,2.7,4.05,6.37,6.86,11,8.42.17.07.33.12.48.15.15.03.31.05.47.05s.33-.02.47-.05c.15-.03.31-.08.48-.15,4.63-1.57,8.3-4.38,11-8.42,2.7-4.05,4.05-8.49,4.05-13.33v-9.8c0-.63-.18-1.21-.55-1.73ZM37,21.88c0,2.1-.29,4.11-.88,6.03-.58,1.92-1.41,3.69-2.47,5.32h0c-.72,1.07-1.07,1.78-1.9,2.5-1.07,1.17-2.25,2.19-3.55,3.08-1.3.88-2.7,1.58-4.2,2.08-1.5-.5-2.9-1.19-4.2-2.08-1.3-.88-2.48-1.91-3.55-3.08-.85-.85-1.1-1.22-1.9-2.5-1.07-1.63-1.89-3.41-2.47-5.32-.58-1.92-.88-3.93-.88-6.03v-9.8l13-4.9,13,4.9v9.8Z\" fill=\"#0B7085\" \/>\n  <path d=\"M16.25,35.72c1.27-.67,2.55-1.17,3.85-1.5,1.3-.33,2.6-.5,3.9-.5s2.6.17,3.9.5c1.3.33,2.58.83,3.85,1.5.83-.72,1.18-1.43,1.9-2.5-1.53-.83-3.09-1.46-4.68-1.88-1.58-.42-3.24-.62-4.97-.62s-3.39.21-4.97.62c-1.58.42-3.14,1.04-4.68,1.88.8,1.28,1.05,1.65,1.9,2.5Z\" fill=\"#cced60\" \/>\n<\/svg><\/span><\/div>\n\n<p class=\"wp-block-blueglass-paragraph bgb-4d0077aa\">Tutte le assicurazioni obbligatorie e facoltative in sintesi<\/p><\/div>\n\n<div class=\"wp-block-blueglass-grid-item bgb-grid-item bgb-e68efdbd\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-d4089d9b\"><span class=\"bgb-icon__svg\">\n<svg id=\"Reinzeichnung\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 48 48\">\n  \n  <path d=\"M4.6,42.25c-.3,0-.56-.07-.78-.2s-.39-.32-.53-.55c-.13-.23-.21-.48-.23-.73s.06-.51.23-.78L22.7,6.5c.17-.27.36-.46.58-.58s.46-.18.73-.18.51.06.73.18.41.31.58.58l19.4,33.5c.17.27.24.53.23.78s-.09.49-.23.73-.31.42-.53.55-.48.2-.78.2H4.6ZM7.2,39.25h33.6L24,10.25,7.2,39.25Z\" fill=\"#0B7085\" \/>\n  <path d=\"M25.28,35.98c.28-.28.43-.64.43-1.08s-.14-.79-.43-1.08-.64-.43-1.08-.43-.79.14-1.08.43-.43.64-.43,1.08.14.79.43,1.08.64.43,1.08.43.79-.14,1.08-.43Z\" fill=\"#cced60\" \/>\n  <path d=\"M25.28,30.43c.28-.28.43-.64.43-1.08v-8.2c0-.43-.14-.79-.43-1.08s-.64-.43-1.08-.43-.79.14-1.08.43-.43.64-.43,1.08v8.2c0,.43.14.79.43,1.08s.64.43,1.08.43.79-.14,1.08-.43Z\" fill=\"#cced60\" \/>\n<\/svg><\/span><\/div>\n\n<p class=\"wp-block-blueglass-paragraph bgb-4be54d61\">Valutare correttamente i rischi<\/p><\/div>\n\n<div class=\"wp-block-blueglass-grid-item bgb-grid-item bgb-24cdc260\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-1fccc669\"><span class=\"bgb-icon__svg\">\n<svg id=\"Reinzeichnung\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 48 48\">\n  \n  <path d=\"M25.82,30H9.01c-1.65,0-3-1.34-3-3V9.99c0-1.65,1.34-3,3-3h29.99c1.65,0,3,1.34,3,3v12.08c0,.83-.67,1.5-1.5,1.5s-1.5-.67-1.5-1.5v-12.08H9.01s0,17.02,0,17.02h16.81c.83,0,1.5.67,1.5,1.5s-.67,1.5-1.5,1.5Z\" fill=\"#0B7085\" \/>\n  <path d=\"M36.18,44.03c-4.55,0-8.24-3.7-8.24-8.24s3.7-8.24,8.24-8.24,8.24,3.7,8.24,8.24-3.7,8.24-8.24,8.24ZM36.18,30.54c-2.89,0-5.24,2.35-5.24,5.24s2.35,5.24,5.24,5.24,5.24-2.35,5.24-5.24-2.35-5.24-5.24-5.24Z\" fill=\"#cced60\" \/>\n  <g>\n    <path d=\"M15.2,22.94c-.6,0-1.16-.09-1.69-.28-.53-.19-.99-.47-1.4-.85-.4-.38-.72-.84-.95-1.4-.23-.56-.34-1.2-.34-1.93s.12-1.37.35-1.92.55-1.02.96-1.39.88-.66,1.4-.85c.53-.19,1.08-.28,1.67-.28.74,0,1.41.12,1.99.37.58.25,1.06.59,1.42,1.03.36.44.58.95.65,1.53l-2.2.36h-.05c-.09-.42-.3-.76-.64-1.04-.34-.28-.74-.42-1.19-.42-.4,0-.77.1-1.11.29-.34.2-.61.49-.82.88-.2.39-.31.87-.31,1.45s.1,1.06.31,1.45c.2.39.47.68.81.88s.71.3,1.12.3c.47,0,.87-.13,1.21-.4.33-.27.54-.64.62-1.11l2.28.24c-.1.68-.35,1.25-.74,1.71-.39.46-.87.81-1.45,1.04-.58.23-1.21.35-1.9.35Z\" fill=\"#0B7085\" \/>\n    <path d=\"M25.82,22.82v-3.53h-3.24v3.53h-2.09v-8.65h2.09v3.3h3.24v-3.3h2.09v8.65h-2.09Z\" fill=\"#0B7085\" \/>\n    <path d=\"M29.58,22.82v-8.65h6.14v1.82h-4.06v1.42h3.26v1.82h-3.26v3.59h-2.09Z\" fill=\"#0B7085\" \/>\n  <\/g>\n<\/svg><\/span><\/div>\n\n<p class=\"wp-block-blueglass-paragraph bgb-2b8c0f25\">Evitare pagamenti supplementari<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-links bgb-links bgb-9ad3d80e\"><div class=\"bgb-links__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-b572c92b\"><h2 class=\"wp-block-blueglass-heading bgb-92bb3573\">Indice<\/h2>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-7e7950a9\"><a href=\"#obli\" class=\"wp-block-blueglass-link-item bgb-link-item bgb-cd16b12e\"><p class=\"wp-block-blueglass-paragraph bgb-b619217e\">Sintesi delle assicurazioni obbligatorie e facoltative in Svizzera<\/p>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-5eef8030\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-0715ca55\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M25.8709 17.6H0V14.4H25.8709L13.7189 2.248L16 0L32 16L16 32L13.7189 29.752L25.8709 17.6Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/div><\/a>\n\n<a href=\"#ObligatorischeVersicherungen\" id=\"ObligatorischeVersicherungen\" class=\"wp-block-blueglass-link-item bgb-link-item bgb-25b3959f\"><p class=\"wp-block-blueglass-paragraph bgb-e59738f8\">Assicurazioni obbligatorie per le aziende<\/p>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-6df0f00e\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-6ea17556\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M25.8709 17.6H0V14.4H25.8709L13.7189 2.248L16 0L32 16L16 32L13.7189 29.752L25.8709 17.6Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/div><\/a>\n\n<a href=\"#obligEinzel\" class=\"wp-block-blueglass-link-item bgb-link-item bgb-8631906e\"><p class=\"wp-block-blueglass-paragraph bgb-9f096047\">Assicurazioni obbligatorie per imprese individuali<\/p>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-168ca940\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-970f118f\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M25.8709 17.6H0V14.4H25.8709L13.7189 2.248L16 0L32 16L16 32L13.7189 29.752L25.8709 17.6Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/div><\/a>\n\n<a href=\"#freiwilligUnternehmen\" class=\"wp-block-blueglass-link-item bgb-link-item bgb-91a29e4f\"><p class=\"wp-block-blueglass-paragraph bgb-0960cac0\">Assicurazioni facoltative per le aziende<\/p>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-aad1a193\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-ef705f76\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M25.8709 17.6H0V14.4H25.8709L13.7189 2.248L16 0L32 16L16 32L13.7189 29.752L25.8709 17.6Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/div><\/a>\n\n<a href=\"#strafen\" class=\"wp-block-blueglass-link-item bgb-link-item bgb-155d24de\"><p class=\"wp-block-blueglass-paragraph bgb-f78b1be5\">Sanzioni per le aziende sprovviste di assicurazione obbligatoria<\/p>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-58895fdd\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-7ba5aab2\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M25.8709 17.6H0V14.4H25.8709L13.7189 2.248L16 0L32 16L16 32L13.7189 29.752L25.8709 17.6Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/div><\/a>\n\n<a href=\"#anpassung\" class=\"wp-block-blueglass-link-item bgb-link-item bgb-e9dfbcb2\"><p class=\"wp-block-blueglass-paragraph bgb-20a1701a\">Con quale frequenza \u00e8 necessario verificare o adeguare le assicurazioni?<\/p>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-2b2feeb3\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-391bd2da\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M25.8709 17.6H0V14.4H25.8709L13.7189 2.248L16 0L32 16L16 32L13.7189 29.752L25.8709 17.6Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div>\n\n<figure class=\"wp-block-blueglass-image bgb-image bgb-36fe457a\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-Zwischenbild_2zu1_1600x800px.webp 1600w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-Zwischenbild_2zu1_1600x800px-300x150.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-Zwischenbild_2zu1_1600x800px-1024x512.webp 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-Zwischenbild_2zu1_1600x800px-768x384.webp 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-Zwischenbild_2zu1_1600x800px-1536x768.webp 1536w\" type=\"image\/webp\"><img fetchpriority=\"high\" src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-Zwischenbild_2zu1_1600x800px-1024x512.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-Zwischenbild_2zu1_1600x800px-1024x512.jpg 1024w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-Zwischenbild_2zu1_1600x800px-300x150.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-Zwischenbild_2zu1_1600x800px-768x384.jpg 768w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-Zwischenbild_2zu1_1600x800px-1536x768.jpg 1536w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-Zwischenbild_2zu1_1600x800px.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" alt=\"Zwei Gesch\u00e4ftsleute besprechen Versicherungen f\u00fcr Unternehmen bei einem Gespr\u00e4ch im B\u00fcro.\" loading=\"eager\" decoding=\"async\" width=\"1024\" height=\"512\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure>\n\n<div class=\"wp-block-blueglass-text bgb-text bgb-text--artikel-text bgb-8baa6f58\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-a45b93b7\"><h2 class=\"wp-block-blueglass-heading bgb-3434bff2\"><strong>Rischi a cui la vostra azienda dovrebbe essere preparata<\/strong><\/h2>\n\n<p class=\"wp-block-blueglass-paragraph bgb-813c281f\">Volete assicurare la vostra attivit\u00e0? A seconda del settore, i rischi operativi possono variare sensibilmente. Un\u2019impresa di costruzione, ad esempio, \u00e8 esposta a rischi diversi rispetto a una macelleria o a una casa editrice. Vale dunque la pena esaminare attentamente quali assicurazioni sia opportuno stipulare.<\/p>\n\n<h2 class=\"wp-block-blueglass-heading bgb-3bf028c7\"><strong>Rischi potenzialmente rilevanti:<\/strong><\/h2>\n\n<ul class=\"wp-block-blueglass-list bgb-52ae0952\" style=\"--bgb-list-item-gap:4px\"><li>Rischi derivanti dalle vostre attivit\u00e0 operative<\/li><li>Rischi che potrebbero derivare dalle vostre strutture<\/li><li>Tutti i rischi che derivano dai vostri prodotti \u2013 inclusi i difetti di produzione<\/li><li>Danni che possono verificarsi durante eventi, fiere o gite aziendali<\/li><li>Rischi che si presentano improvvisamente e inaspettatamente minacciano l\u2019ambiente<\/li><li>Assenze prolungate di collaboratrici e collaboratori dovute a malattia o infortunio<\/li><\/ul>\n\n<p class=\"wp-block-blueglass-paragraph bgb-73522c26\">Questo ampio ventaglio di possibili rischi evidenzia la necessit\u00e0 di assicurazioni per le aziende in Svizzera. Ma quali sono le assicurazioni prescritte per legge nel nostro Paese? E quali quelle facoltative ma che sarebbe opportuno stipulare? La nostra panoramica offre maggiori dettagli sulle <a href=\"https:\/\/visavis.ch\/it\/le-nostre-assicurazioni\/\" data-type=\"link\" data-id=\"https:\/\/visavis.ch\/it\/le-nostre-assicurazioni\/\">assicurazioni <\/a>disponibili, sulla loro finalit\u00e0 e sui destinatari per i quali esse sono adatte.<\/p>\n\n<h2 id=\"obli\" class=\"wp-block-blueglass-heading bgb-7a4bbe39\"><strong>Sintesi delle assicurazioni obbligatorie e facoltative in Svizzera<\/strong><\/h2>\n\n<p class=\"wp-block-blueglass-paragraph bgb-89c19c40\">In Svizzera vi \u00e8 tutta una serie di assicurazioni che le aziende sono tenute a stipulare per legge. In linea generale, tuttavia, potrebbe risultare opportuno optare anche per assicurazioni facoltative che offrano una copertura contro i danni sia per il personale dipendente sia per i datori di lavoro.<\/p><\/div><\/div>\n\n<div id=\"ObligatorischeVersicherungen\" class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-3f35e6b6\"><h3 id=\"Obligatorische Versicherungen\" class=\"wp-block-blueglass-heading bgb-eb2c61f2\">Assicurazioni obbligatorie per le aziende<\/h3><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-left bgb-0736da59\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-a7e746ab\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-4a8ad362\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-bb894a39\"><figure class=\"wp-block-blueglass-image bgb-image bgb-fd62a3c1\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-1-Sozial_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-1-Sozial_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-1-Sozial_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-1-Sozial_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-1-Sozial_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-1-Sozial_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-1-Sozial_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\u00c4lteres Ehepaar mit Hund zu Hause als Symbol f\u00fcr die Sozialversicherungen AHV, IV, EO und ALV.\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:51.907084745987% 32.594458696436%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-5daf7b5f\">\n<h4 class=\"wp-block-heading\"><strong>AVS\/AI\/IPG\/AD (assicurazioni sociali)<\/strong><\/h4>\n\n\n<p class=\"wp-block-blueglass-paragraph bgb-c68d95d4\"><strong><strong>Cosa \u00e8 assicurato?<\/strong><\/strong><\/p>\n\n<ul class=\"wp-block-blueglass-list bgb-4bb3b0a9\" style=\"--bgb-list-item-gap:4px\"><li><strong>AAVS:<\/strong> prestazioni in caso di vecchiaia e decesso a favore dei superstiti<\/li><li><strong>AI:<\/strong> prestazioni in caso di invalidit\u00e0 e misure per il reinserimento nella vita professionale<\/li><li><strong>IPG:<\/strong> indennit\u00e0 per perdita di guadagno (ad esempio durante il servizio militare, il servizio civile, la maternit\u00e0 o la paternit\u00e0)&nbsp;<\/li><li><strong>AD:<\/strong> prestazioni in caso di disoccupazione, lavoro ridotto e in caso di insolvenza del datore di lavoro<\/li><\/ul>\n\n<p class=\"wp-block-blueglass-paragraph bgb-5e2e96fb\"><mark class=\"has-inline-color has-petrol-color\">Ambito di applicazione:<\/mark> per tutte le persone che sono lavoratrici e lavoratori dipendenti e che ricevono protezione attraverso le assicurazioni sociali.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-right bgb-0564760d\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-bf50ed0e\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-d5a39b5a\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-aafa26f7\"><figure class=\"wp-block-blueglass-image bgb-image bgb-47448a96\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-2-Familienzulagen_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-2-Familienzulagen_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-2-Familienzulagen_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-2-Familienzulagen_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-2-Familienzulagen_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-2-Familienzulagen_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-2-Familienzulagen_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"Familie mit zwei Kindern bei einem Spaziergang in der Schweizer Natur als Symbol f\u00fcr Familienzulagen (FZ).\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-ef162742\">\n\n<h4 class=\"wp-block-blueglass-heading bgb-73e7feb1\">Assegni familiari (AF)<\/h4>\n\n<p class=\"wp-block-blueglass-paragraph bgb-9df14d1e\"><strong>Cosa \u00e8 assicurato?<\/strong><\/p>\n\n<ul class=\"wp-block-blueglass-list bgb-c97f3ce3\" style=\"--bgb-list-item-gap:4px\"><li>Ilfinanziamento degli assegni familiari prescritti per legge per i figli.<\/li><\/ul>\n\n<p class=\"wp-block-blueglass-paragraph bgb-437b43a5\"><mark class=\"has-inline-color has-petrol-color\">Importante:<\/mark> per i datori di lavoro, in Svizzera gli assegni familiari sono obbligatori \u2013 a prescindere da che il loro organico comprenda o meno dipendenti con figli.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-left bgb-2491c93f\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-17d26875\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-5f5d4314\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-7589f75e\"><figure class=\"wp-block-blueglass-image bgb-image bgb-9bddb8c3\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-4-BVG_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-4-BVG_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-4-BVG_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-4-BVG_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-4-BVG_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-4-BVG_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-4-BVG_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-8d6a20f2\">\n<h4 class=\"wp-block-heading\"><strong>Previdenza professionale (LPP \u2013 Cassa pensioni)&nbsp;<\/strong><\/h4>\n\n\n<p class=\"wp-block-blueglass-paragraph bgb-337272d5\"><strong>Cosa \u00e8 assicurato?<\/strong><\/p>\n\n<p class=\"wp-block-blueglass-paragraph bgb-fdf1d67d\">Questa previdenza assicura le prestazioni in caso di vecchiaia, invalidit\u00e0 e decesso a favore dei superstiti.<\/p>\n\n<p class=\"wp-block-blueglass-paragraph bgb-f4586b25\"><mark class=\"has-inline-color has-petrol-color\">Ambito di applicazione:<\/mark> per dipendenti con un salario annuo superiore a CHF 22&#8217;050 e impiegati per pi\u00f9 di tre mesi.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-right bgb-f41eea5a\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-82f51aa4\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-02afac3e\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-90c252c1\"><figure class=\"wp-block-blueglass-image bgb-image bgb-34763521\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-3-UVG_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-3-UVG_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-3-UVG_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-3-UVG_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-3-UVG_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-3-UVG_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2026\/05\/visavis_NewsRatgeber_ObligatorischeVersicherungen-3-UVG_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"Mountainbiker auf einer alpinen Berglandschaft als Symbol f\u00fcr die Unfallversicherung nach UVG.\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-5f63bdaa\">\n\n<h4 class=\"wp-block-blueglass-heading bgb-fe739c24\"><strong>Assicurazione contro gli infortuni (LAINF)<\/strong><\/h4>\n\n<p class=\"wp-block-blueglass-paragraph bgb-2e4d29bb\"><strong>Cosa \u00e8 assicurato?<\/strong><\/p>\n\n<ul class=\"wp-block-blueglass-list bgb-49ef8508\" style=\"--bgb-list-item-gap:4px\"><li>L\u2019<a href=\"https:\/\/branchenversicherung.ch\/leistungen\/kollektivunfallversicherung\/\" target=\"_blank\" rel=\"noopener\">assicurazione contro gli infortuni<\/a> copre i danni causati da infortuni professionali, infortuni non professionali (in caso di impiego &gt;8 ore) e malattie professionali.<\/li><\/ul>\n\n<p class=\"wp-block-blueglass-paragraph bgb-fe1ccd16\"><br><br><strong>Chi paga i premi dell\u2019assicurazione contro gli infortuni (LAINF)?<\/strong><br><mark class=\"has-inline-color has-petrol-color\">Premi dell\u2019AIP:<\/mark> i premi dell\u2019AIP devono essere versati dai datori di lavoro.<br><mark class=\"has-inline-color has-petrol-color\">Premi dell\u2019AINP:<\/mark> in linea di principio, i premi dell\u2019AINP sono a carico dei dipendenti. Il datore di lavoro versa i premi all\u2019inizio dell\u2019anno insieme ai premi AIP e, successivamente, deduce mensilmente la quota AINP dal salario dei dipendenti. In via teorica, il datore di lavoro pu\u00f2 anche farsi interamente o parzialmente carico dei premi AINP (ad esempio a seconda dell\u2019azienda o del contratto collettivo di lavoro).<br><br><mark class=\"has-inline-color has-petrol-color\">Importante:<\/mark> se il grado di occupazione \u00e8 &lt;8 ore\/settimana, l\u2019assicurazione contro gli infortuni non professionali (AINP) va stipulata privatamente.<br>Al termine di un rapporto di lavoro superiore alle 8 ore alla settimana, l\u2019assicurazione contro gli infortuni per gli infortuni non professionali pu\u00f2 essere estesa fino a un massimo di 6 mesi con la cosiddetta assicurazione mediante convenzione.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-left bgb-79da4b20\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-e3952aef\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-459e8dd8\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-e8b9cb01\"><figure class=\"wp-block-blueglass-image bgb-image bgb-f9c62224\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-5-Sachversicherung_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-5-Sachversicherung_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-5-Sachversicherung_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-5-Sachversicherung_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-5-Sachversicherung_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-5-Sachversicherung_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-5-Sachversicherung_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-c3be5e38\">\n<h4 class=\"wp-block-heading\">Assicurazione di cose \/ Assicurazione commerciale (obbligatoria solo in alcuni casi)<\/h4>\n\n\n<p class=\"wp-block-blueglass-paragraph bgb-4c5713a5\"><strong>Cosa \u00e8 assicurato?<\/strong><\/p>\n\n<p class=\"wp-block-blueglass-paragraph bgb-1e0f2fdb\">Con un\u2019assicurazione di cose vengono assicurati edifici, macchinari, oggetti d\u2019inventario, sistemi informatici, merci aziendali ecc. contro i danni dovuti a furto ed eventi naturali (incendio, acqua ecc.).<\/p>\n\n<ul class=\"wp-block-blueglass-list bgb-dcab3ac5\" style=\"--bgb-list-item-gap:4px\"><li>L\u2019assicurazione edificio non \u00e8 obbligatoria in tutti i cantoni \u2013 lo \u00e8 tuttavia nella maggior parte.<\/li><li>L\u2019assicurazione di responsabilit\u00e0 civile per veicoli a motore \u00e8 generalmente obbligatoria in tutti i casi in cui l\u2019azienda possiede un\u2019automobile (o un parco veicoli).<\/li><\/ul><\/div><\/div><\/div><\/div><\/div>\n\n<div id=\"obligEinzel\" class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-4a8b4d12\"><h3 class=\"wp-block-blueglass-heading bgb-d7dd5279\">Assicurazioni obbligatorie per imprese individuali<\/h3><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-left bgb-97fb4db4\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-8e3eed58\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-ed4ccb30\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-91428586\"><figure class=\"wp-block-blueglass-image bgb-image bgb-58fb1433\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-6-Einzelunternehmen-m-A_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-6-Einzelunternehmen-m-A_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-6-Einzelunternehmen-m-A_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-6-Einzelunternehmen-m-A_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-6-Einzelunternehmen-m-A_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-6-Einzelunternehmen-m-A_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-6-Einzelunternehmen-m-A_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-99a8e864\">\n<h4 class=\"wp-block-heading\">Imprese individuali con dipendenti<\/h4>\n\n\n<p class=\"wp-block-blueglass-paragraph bgb-e51ce6bc\">Le imprenditrici e gli imprenditori individuali che impiegano collaboratrici e collaboratori sono considerati, sul piano giuridico, come datori di lavoro e sono pertanto soggetti agli stessi obblighi assicurativi delle altre aziende. Ulteriori informazioni al riguardo sono contenute nella sezione \u00abAssicurazioni obbligatorie per le aziende\u00bb.<br>Per le imprenditrici e gli imprenditori individuali si applicano regole particolari, poich\u00e9 non sono considerati dipendenti della propria azienda.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-right bgb-c35f9f5d\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-5fef9f0c\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-d4bf6891\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-e20cb09e\"><figure class=\"wp-block-blueglass-image bgb-image bgb-fc85b829\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-7-Einzelunternehmen-o-A_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-7-Einzelunternehmen-o-A_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-7-Einzelunternehmen-o-A_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-7-Einzelunternehmen-o-A_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-7-Einzelunternehmen-o-A_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-7-Einzelunternehmen-o-A_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-7-Einzelunternehmen-o-A_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-3aa38e29\">\n\n<h4 class=\"wp-block-blueglass-heading bgb-31c05e4d\">Imprese individuali senza dipendenti<\/h4>\n\n<p class=\"wp-block-blueglass-paragraph bgb-3d1d3b10\">Anche le imprenditrici e gli imprenditori individuali senza personale sono tenuti a stipulare determinate assicurazioni. Esse riguardano esclusivamente la propria persona:<\/p>\n\n<ul class=\"wp-block-blueglass-list bgb-38911722\" style=\"--bgb-list-item-gap:4px\"><li><mark class=\"has-inline-color has-petrol-color\">AVS\/AI\/IPG: <\/mark>i contributi alle assicurazioni sociali sono obbligatori anche in caso di reddito basso. A partire da un utile netto inferiore a CHF 9&#8217;800 si applica il contributo minimo (ca. CHF 514 all\u2019anno).<\/li><li><mark class=\"has-inline-color has-petrol-color\">Assicurazione di indennit\u00e0 giornaliera per malattia (LAMal):<\/mark> l\u2019assicurazione di base \u00e8 obbligatoria per tutte le persone residenti in Svizzera, quindi anche per le lavoratrici e i lavoratori indipendenti.<\/li><li><mark class=\"has-inline-color has-petrol-color\">Assicurazione contro gli infortuni: <\/mark>sebbene non sia obbligatoria per l\u2019imprenditrice stessa o l\u2019imprenditore stesso, la stipula di un\u2019assicurazione contro gli infortuni privata \u00e8 caldamente raccomandata.<\/li><li><mark class=\"has-inline-color has-petrol-color\">Assicurazione contro la disoccupazione (AD):<\/mark> le imprenditrici e gli imprenditori individuali non versano contributi AD e non hanno pertanto diritto a un\u2019indennit\u00e0 di disoccupazione.<\/li><li><mark class=\"has-inline-color has-petrol-color\">Previdenza professionale (LPP): <\/mark>non \u00e8 obbligatoria, tuttavia \u00e8 possibile e spesso opportuno stipulare una soluzione LPP o del pilastro 3a di tipo facoltativo che garantisca la previdenza per la vecchiaia.<\/li><\/ul><\/div><\/div><\/div><\/div><\/div>\n\n<div id=\"freiwilligUnternehmen\" class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-da1a9a00\"><h3 class=\"wp-block-blueglass-heading bgb-c38a7036\">Assicurazioni facoltative per le aziende<\/h3><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-right bgb-180d3039\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-cd1af193\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-669b5e92\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-ec5b5403\"><figure class=\"wp-block-blueglass-image bgb-image bgb-db6f09c4\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-8-KTG_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-8-KTG_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-8-KTG_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-8-KTG_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-8-KTG_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-8-KTG_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-8-KTG_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-3b156f7c\">\n\n<h4 class=\"wp-block-blueglass-heading bgb-85441c0f\">Assicurazione collettiva d\u2019indennit\u00e0 giornaliera per malattia<\/h4>\n\n<p class=\"wp-block-blueglass-paragraph bgb-24a95f03\"><a href=\"https:\/\/visavis.ch\/it\/le-nostre-assicurazioni\/assicurazione-indennita-giornaliera-malattia\/\" data-type=\"page\" data-id=\"9984\">L\u2019assicurazione d\u2019indennit\u00e0 giornaliera per malattia<\/a> garantisce il pagamento continuato del salario in caso di malattia di collaboratrici o collaboratori per il periodo prescritto per legge.<\/p>\n\n<p class=\"wp-block-blueglass-paragraph bgb-028ab24b\"><br><mark class=\"has-inline-color has-petrol-color\">\u00c8 particolarmente indicata per: <\/mark>datori di lavoro che desiderano proteggere le proprie collaboratrici e i propri collaboratori, tutelarsi dalle conseguenze finanziarie delle assenze per malattia e limitare l\u2019obbligo di pagamento continuato del salario.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-left bgb-3d91cab0\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-180718c4\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-39fe91a5\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-3bf8c56e\"><figure class=\"wp-block-blueglass-image bgb-image bgb-3b15cf10\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-9-Betriebshaftpflicht_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-9-Betriebshaftpflicht_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-9-Betriebshaftpflicht_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-9-Betriebshaftpflicht_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-9-Betriebshaftpflicht_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-9-Betriebshaftpflicht_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-9-Betriebshaftpflicht_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-54d792e3\">\n<h4 class=\"wp-block-heading\">Assicurazione responsabilit\u00e0 civile per imprese<\/h4>\n\n\n<p class=\"wp-block-blueglass-paragraph bgb-2b200e0a\">L\u2019assicurazione responsabilit\u00e0 civile per imprese \u00e8 prescritta solo in determinati settori caratterizzati da un elevato potenziale di rischio.<\/p>\n\n<h2 class=\"wp-block-blueglass-heading bgb-d5d3579d\"><strong>Cosa \u00e8 assicurato?<\/strong><\/h2>\n\n<p class=\"wp-block-blueglass-paragraph bgb-9ea4efb3\">L\u2019assicurazione responsabilit\u00e0 civile per imprese protegge un\u2019azienda dalle conseguenze finanziarie che possono insorgere qualora l\u2019attivit\u00e0 dell\u2019impresa arrechi danni a terzi, vale a dire nel caso in cui si verifichino danni a persone, cose o danni patrimoniali.<br><br><mark class=\"has-inline-color has-petrol-color\">Si rivolge a: <\/mark>praticamente tutte le aziende, in particolare quelle operanti nei settori caratterizzati da un elevato potenziale di rischio, ad esempio imprese artigiane, organizzatori di eventi e altre imprese di servizi a contatto con la clientela.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-right bgb-b42ea372\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-50317081\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-1e5d4497\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-308610ff\"><figure class=\"wp-block-blueglass-image bgb-image bgb-6733d237\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-10-Ertragsausfall_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-10-Ertragsausfall_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-10-Ertragsausfall_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-10-Ertragsausfall_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-10-Ertragsausfall_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-10-Ertragsausfall_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-10-Ertragsausfall_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-0f820892\">\n\n<h4 class=\"wp-block-blueglass-heading bgb-c6ee2016\">Assicurazione per la perdita di guadagno \/ Interruzione d\u2019attivit\u00e0<\/h4>\n\n<p class=\"wp-block-blueglass-paragraph bgb-a98c3c56\">Protegge in caso di perdite di fatturato in seguito a un danno assicurato, come ad esempio un incendio \u2013 compresi i costi fissi quali canone di locazione o salari.<br><br><mark class=\"has-inline-color has-petrol-color\">\u00c8 particolarmente indicata per:<\/mark> aziende che hanno subito un\u2019interruzione d\u2019attivit\u00e0 prolungata in seguito a un danno.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-left bgb-3a7a0069\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-ba33bc83\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-18a69451\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-77ad51b3\"><figure class=\"wp-block-blueglass-image bgb-image bgb-5759ef5e\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-11-Rechtsschutz_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-11-Rechtsschutz_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-11-Rechtsschutz_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-11-Rechtsschutz_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-11-Rechtsschutz_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-11-Rechtsschutz_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-11-Rechtsschutz_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-3fc335f6\">\n<h4 class=\"wp-block-heading\">Assicurazione di protezione giuridica<\/h4>\n\n\n<p class=\"wp-block-blueglass-paragraph bgb-f5f88d71\">L\u2019assicurazione di protezione giuridica protegge dai costi che potrebbero derivare da una controversia giuridica con collaboratrici, collaboratori, clienti o fornitori.<\/p>\n\n<p class=\"wp-block-blueglass-paragraph bgb-7f743103\"><mark class=\"has-inline-color has-petrol-color\">\u00c8 particolarmente indicata per:<\/mark> aziende che intendono assicurarsi sul piano giuridico e proteggersi dal rischio di elevate spese giudiziarie e di avvocati.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-right bgb-7a9f2af5\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-a981eb5c\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-bd63487c\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-fa3faf48\"><figure class=\"wp-block-blueglass-image bgb-image bgb-31d72ed9\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-12-Transportversicherung_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-12-Transportversicherung_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-12-Transportversicherung_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-12-Transportversicherung_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-12-Transportversicherung_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-12-Transportversicherung_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-12-Transportversicherung_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-d002e475\">\n\n<h4 class=\"wp-block-blueglass-heading bgb-258e8e8b\">Assicurazione trasporti<\/h4>\n\n<p class=\"wp-block-blueglass-paragraph bgb-39071be3\">Protegge le merci sul territorio sia nazionale sia internazionale durante il trasporto e l\u2019immagazzinamento.<\/p>\n\n<p class=\"wp-block-blueglass-paragraph bgb-a0618f66\"><mark class=\"has-inline-color has-petrol-color\">\u00c8 particolarmente indicata per: <\/mark>imprese commerciali, aziende di import\/export e di logistica.<br><\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-blueglass-bild-text bgb-bild-text bgb-bild-text--image-left bgb-29765b0f\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-f849b7b6\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-7217df8a\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-02132938\"><figure class=\"wp-block-blueglass-image bgb-image bgb-c6933fc8\"><div class=\"bgb-image__frame\"><picture><source srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-13-Cyberversicherung_5zu3_1000x600px.webp 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-13-Cyberversicherung_5zu3_1000x600px-300x180.webp 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-13-Cyberversicherung_5zu3_1000x600px-768x461.webp 768w\" type=\"image\/webp\"><img src=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-13-Cyberversicherung_5zu3_1000x600px.jpg\" srcset=\"https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-13-Cyberversicherung_5zu3_1000x600px.jpg 1000w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-13-Cyberversicherung_5zu3_1000x600px-300x180.jpg 300w, https:\/\/visavis.ch\/wp-content\/uploads\/2025\/11\/visavis_NewsRatgeber_ObligatorischeVersicherungen-13-Cyberversicherung_5zu3_1000x600px-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" alt=\"\" loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" class=\"bgb-image__img\" style=\"object-fit:contain;object-position:50% 50%\"><\/picture><\/div><\/figure><\/div>\n\n<div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-f9f7e788\">\n<h4 class=\"wp-block-heading\">Assicurazione cyber<\/h4>\n\n\n<p class=\"wp-block-blueglass-paragraph bgb-234b9c0d\">Protegge in caso di danni dovuti ad attacchi da parte di hacker, cyber-estorsione, perdita di dati, guasti ai sistemi informatici.<\/p>\n\n<p class=\"wp-block-blueglass-paragraph bgb-75dcf79e\"><mark class=\"has-inline-color has-petrol-color\">\u00c8 particolarmente indicata per:<\/mark> aziende che trattano dati sensibili della clientela e\/o dipendono in misura elevata dai sistemi informatici nonch\u00e9 per le attivit\u00e0 di commercio online.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div id=\"strafen\" class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-6ef1ed09\"><h3 class=\"wp-block-blueglass-heading bgb-1c602c15\">Sanzioni per le aziende sprovviste di assicurazione obbligatoria<\/h3><\/div>\n\n<div class=\"wp-block-blueglass-text bgb-text bgb-text--artikel-text bgb-8e2c2efe\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-84de1340\"><p class=\"wp-block-blueglass-paragraph bgb-77f6ad16\">Le aziende sprovviste di assicurazioni obbligatorie rischiano il pagamento dei contributi arretrati oltre a interessi, sanzioni amministrative e \u2013 in caso di negligenza grave \u2013 la responsabilit\u00e0 personale dei membri della Direzione generale. Sono inoltre ipotizzabili azioni legali da parte delle collaboratrici e dei collaboratori interessati o un danno reputazionale. Per tale ragione, in Svizzera, le aziende dovrebbero sempre verificare regolarmente le proprie assicurazioni e accertarsi di avere stipulato tutte le assicurazioni obbligatorie.<\/p><\/div><\/div>\n\n<div id=\"anpassung\" class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-7b6bea93\"><h3 class=\"wp-block-blueglass-heading bgb-be4a8a34\">Con quale frequenza \u00e8 necessario verificare o adeguare le assicurazioni?<\/h3><\/div>\n\n<div class=\"wp-block-blueglass-text bgb-text bgb-text--artikel-text bgb-da34fa9b\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-6858237e\"><p class=\"wp-block-blueglass-paragraph bgb-18ceec6d\">Le assicurazioni andrebbero verificate almeno una volta all\u2019anno. Consigliamo di effettuare questa verifica idealmente poco dopo la chiusura dell\u2019esercizio oppure prima dell\u2019inizio dell\u2019anno assicurativo. Siamo a vostra disposizione per fornirvi assistenza.<\/p><\/div><\/div>\n\n<div class=\"wp-block-blueglass-faq bgb-faq bgb-a73f8b5e\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-ece5cb33\"><div class=\"bgb-wrapper__container\"><div class=\"wp-block-blueglass-wrapper bgb-wrapper bgb-83beed3b\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-2a88e07a\"><span class=\"bgb-icon__svg\"><svg width=\"32\" height=\"31\" viewbox=\"0 0 32 31\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M3.04463 25.6842C2.2073 25.6842 1.49053 25.3861 0.894316 24.7899C0.298105 24.1937 0 23.4769 0 22.6396V3.04463C0 2.2073 0.298105 1.49053 0.894316 0.894315C1.49053 0.298105 2.2073 0 3.04463 0H28.9554C29.7927 0 30.5095 0.298105 31.1057 0.894315C31.7019 1.49053 32 2.2073 32 3.04463V22.6396C32 23.4769 31.7019 24.1937 31.1057 24.7899C30.5095 25.3861 29.7927 25.6842 28.9554 25.6842H20.1815L17.2598 30.0728C17.1071 30.3039 16.9225 30.4772 16.7061 30.5928C16.49 30.7082 16.2546 30.7659 16 30.7659C15.7454 30.7659 15.51 30.7082 15.2939 30.5928C15.0775 30.4772 14.8929 30.3039 14.7402 30.0728L11.8185 25.6842H3.04463ZM16 27.4429L18.8244 23.1579H28.9554C29.1067 23.1579 29.2309 23.1093 29.328 23.0122C29.4251 22.9151 29.4737 22.7909 29.4737 22.6396V3.04463C29.4737 2.89333 29.4251 2.76912 29.328 2.672C29.2309 2.57488 29.1067 2.52632 28.9554 2.52632H3.04463C2.89333 2.52632 2.76912 2.57488 2.672 2.672C2.57488 2.76912 2.52632 2.89333 2.52632 3.04463V22.6396C2.52632 22.7909 2.57488 22.9151 2.672 23.0122C2.76912 23.1093 2.89333 23.1579 3.04463 23.1579H13.1756L16 27.4429Z\" fill=\"#0B7085\" \/>\n<path d=\"M18.948 19.1577H6.31641V16.6314H18.948V19.1577Z\" fill=\"#08333B\" \/>\n<path d=\"M25.6848 14.1051H6.31641V11.5788H25.6848V14.1051Z\" fill=\"#08333B\" \/>\n<path d=\"M25.6848 9.05244H6.31641V6.52612H25.6848V9.05244Z\" fill=\"#08333B\" \/>\n<\/svg>\n<\/span><\/div>\n\n<h2 class=\"wp-block-blueglass-heading bgb-e22b0f58\">Domande frequenti<\/h2>\n\n<div class=\"wp-block-blueglass-accordion bgb-accordion bgb-73b3cdbb\" data-close-others=\"1\"><div class=\"wp-block-blueglass-accordion-item bgb-accordion-item bgb-ddad8349\"><div class=\"wp-block-blueglass-accordion-header bgb-accordion-header bgb-c52cc891\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3 class=\"wp-block-blueglass-heading bgb-23ac6096\">Quando un\u2019azienda \u00e8 tenuta ad assicurare la previdenza professionale (LPP)?<\/h3>\n\n<button class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--default bgb-629935bf\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-b7c8493b\"><span class=\"bgb-icon__svg\"><svg width=\"13\" height=\"13\" viewbox=\"0 0 13 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M5.75 7.25H0.75C0.5375 7.25 0.359417 7.17808 0.21575 7.03425C0.0719168 6.89042 0 6.71225 0 6.49975C0 6.28708 0.0719168 6.109 0.21575 5.9655C0.359417 5.82183 0.5375 5.75 0.75 5.75H5.75V0.75C5.75 0.5375 5.82192 0.359417 5.96575 0.21575C6.10958 0.0719168 6.28775 0 6.50025 0C6.71292 0 6.891 0.0719168 7.0345 0.21575C7.17817 0.359417 7.25 0.5375 7.25 0.75V5.75H12.25C12.4625 5.75 12.6406 5.82192 12.7843 5.96575C12.9281 6.10958 13 6.28775 13 6.50025C13 6.71292 12.9281 6.891 12.7843 7.0345C12.6406 7.17817 12.4625 7.25 12.25 7.25H7.25V12.25C7.25 12.4625 7.17808 12.6406 7.03425 12.7843C6.89042 12.9281 6.71225 13 6.49975 13C6.28708 13 6.109 12.9281 5.9655 12.7843C5.82183 12.6406 5.75 12.4625 5.75 12.25V7.25Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/button><\/div>\n\n<div class=\"wp-block-blueglass-accordion-content bgb-accordion-content bgb-268e598c\"><h4 class=\"wp-block-blueglass-heading bgb-81548306\">Un\u2019azienda \u00e8 tenuta stipulare una previdenza professionale (LPP) nel momento in cui assume personale assicurato presso l\u2019AVS che percepisce un salario di almeno CHF 22&#8217;050.\u2013 all\u2019anno, ha almeno 17 anni di et\u00e0 e il cui impiego preveda una durata di pi\u00f9 di 3 mesi.<\/h4><\/div><\/div>\n\n<div class=\"wp-block-blueglass-accordion-item bgb-accordion-item bgb-7f2615e7\"><div class=\"wp-block-blueglass-accordion-header bgb-accordion-header bgb-13d2b039\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3 class=\"wp-block-blueglass-heading bgb-42d28bf5\">Persone impiegate a tempo pieno o a tempo parziale: chi viene assicurato?<\/h3>\n\n<button class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--default bgb-53c906d2\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-b641d30f\"><span class=\"bgb-icon__svg\"><svg width=\"13\" height=\"13\" viewbox=\"0 0 13 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M5.75 7.25H0.75C0.5375 7.25 0.359417 7.17808 0.21575 7.03425C0.0719168 6.89042 0 6.71225 0 6.49975C0 6.28708 0.0719168 6.109 0.21575 5.9655C0.359417 5.82183 0.5375 5.75 0.75 5.75H5.75V0.75C5.75 0.5375 5.82192 0.359417 5.96575 0.21575C6.10958 0.0719168 6.28775 0 6.50025 0C6.71292 0 6.891 0.0719168 7.0345 0.21575C7.17817 0.359417 7.25 0.5375 7.25 0.75V5.75H12.25C12.4625 5.75 12.6406 5.82192 12.7843 5.96575C12.9281 6.10958 13 6.28775 13 6.50025C13 6.71292 12.9281 6.891 12.7843 7.0345C12.6406 7.17817 12.4625 7.25 12.25 7.25H7.25V12.25C7.25 12.4625 7.17808 12.6406 7.03425 12.7843C6.89042 12.9281 6.71225 13 6.49975 13C6.28708 13 6.109 12.9281 5.9655 12.7843C5.82183 12.6406 5.75 12.4625 5.75 12.25V7.25Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/button><\/div>\n\n<div class=\"wp-block-blueglass-accordion-content bgb-accordion-content bgb-f1cae188\"><h4 class=\"wp-block-blueglass-heading bgb-8dd5dca7\">Generalmente, in Svizzera tutti i dipendenti vanno assicurati. A questo riguardo occorre tuttavia tenere presente che determinate assicurazioni offrono copertura solo a partire da un determinato grado di occupazione e che la tipologia e l\u2019entit\u00e0 dell\u2019assicurazione variano in base al grado di occupazione e al salario.<\/h4><\/div><\/div>\n\n<div class=\"wp-block-blueglass-accordion-item bgb-accordion-item bgb-b34c7413\"><div class=\"wp-block-blueglass-accordion-header bgb-accordion-header bgb-0f22f4ec\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3 class=\"wp-block-blueglass-heading bgb-b44e4e9e\">Vi sono differenze nell\u2019obbligo assicurativo a seconda del settore?<\/h3>\n\n<button class=\"wp-block-blueglass-button bgb-button bgb-button--primary bgb-button--filled bgb-button--default bgb-391d8645\"><div class=\"wp-block-blueglass-icon bgb-icon bgb-102e04ad\"><span class=\"bgb-icon__svg\"><svg width=\"13\" height=\"13\" viewbox=\"0 0 13 13\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M5.75 7.25H0.75C0.5375 7.25 0.359417 7.17808 0.21575 7.03425C0.0719168 6.89042 0 6.71225 0 6.49975C0 6.28708 0.0719168 6.109 0.21575 5.9655C0.359417 5.82183 0.5375 5.75 0.75 5.75H5.75V0.75C5.75 0.5375 5.82192 0.359417 5.96575 0.21575C6.10958 0.0719168 6.28775 0 6.50025 0C6.71292 0 6.891 0.0719168 7.0345 0.21575C7.17817 0.359417 7.25 0.5375 7.25 0.75V5.75H12.25C12.4625 5.75 12.6406 5.82192 12.7843 5.96575C12.9281 6.10958 13 6.28775 13 6.50025C13 6.71292 12.9281 6.891 12.7843 7.0345C12.6406 7.17817 12.4625 7.25 12.25 7.25H7.25V12.25C7.25 12.4625 7.17808 12.6406 7.03425 12.7843C6.89042 12.9281 6.71225 13 6.49975 13C6.28708 13 6.109 12.9281 5.9655 12.7843C5.82183 12.6406 5.75 12.4625 5.75 12.25V7.25Z\" fill=\"currentColor\" \/>\n<\/svg>\n<\/span><\/div><\/button><\/div>\n\n<div class=\"wp-block-blueglass-accordion-content bgb-accordion-content bgb-29812e7a\"><h4 class=\"wp-block-blueglass-heading bgb-057eba8c\">S\u00ec, esistono numerose assicurazioni facoltative pi\u00f9 adatte per determinati settori rispetto ad altri. In alcuni casi sono presenti condizioni che rendono l\u2019assicurazione quasi obbligatoria. Ad esempio, l\u2019assicurazione responsabilit\u00e0 civile per imprese non \u00e8 obbligatoria ma per il settore edile \u00e8 quasi imprescindibile: spesso, essa costituisce un requisito per la partecipazione a bandi pubblici e progetti di costruzione.<\/h4><\/div><\/div><\/div>\n\n<p class=\"wp-block-blueglass-paragraph bgb-1d405373\">Non ha trovato la risposta che cercava? Non esiti a <a href=\"https:\/\/visavis.ch\/it\/contatto\/#beratung\" data-type=\"link\" data-id=\"https:\/\/visavis.ch\/it\/contatto\/#beratung\">contattarci<\/a>.<\/p><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":12514,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[164],"tags":[],"class_list":["post-12513","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consigli-utili"],"acf":[],"_links":{"self":[{"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/posts\/12513","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/comments?post=12513"}],"version-history":[{"count":34,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/posts\/12513\/revisions"}],"predecessor-version":[{"id":12968,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/posts\/12513\/revisions\/12968"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/media\/12514"}],"wp:attachment":[{"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/media?parent=12513"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/categories?post=12513"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/visavis.ch\/it\/wp-json\/wp\/v2\/tags?post=12513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}