Your pension fund is your company's retirement plan. We review and manage occupational retirement plans, as well as employee and property insurance for owner-managed small and medium-sized enterprises (SMEs), tailored to the owner's personal financial plan.
Why do we need Caveo Corporate?
Risk management instead of policy administration.
The 2nd pillar is the backbone of Swiss social insurance - and at the same time one of the most important financial instruments for SMEs. Properly structured, it opens up opportunities for tax optimization, liquidity planning and employee retention.
Illness, accident, maternity: staff insurance is a key component of any HR strategy. They not only protect employees, but also the company from considerable financial burdens.
Your company is exposed to risks every day: Fire, natural hazards, technical defects or criminal acts. We identify weak points, assess risks and develop customized concepts.
Even small mistakes can cause major damage - and lead to liability claims that threaten your existence. We analyze the risk potential of your business activities and ensure that you are covered against rare but serious events - from public liability to D&O.
Whether cyberattacks, directors' and officers' liability or fidelity losses: modern risks require modern solutions. We offer SMEs comprehensive asset protection strategies - from cyber to legal protection.
All of the plans provided for higher wages than were actually paid. The risk: The tax authorities may not recognize the pension contributions and may treat them as a hidden distribution of profits.
The solution was a legally compliant management plan and a 1e plan for the portion of salary exceeding CHF 136'080, consolidated into a single plan. This provided for greater retirement savings, higher risk benefits for key personnel, and a structure that meets the requirements of collectivity, equal treatment, and systematic planning.
Employers with multiple pension funds and salaries covered by two pension plans must have the adequacy of their plans confirmed by the end of 2026 (Art. 1a BVV 2).
Your company, your culture, your goals.
Analysis of your pension and insurance solutions.
Development of a customized concept.
Annual reviews, optimizations, negotiations.
With regard to our terms and conditions, you as a company have the choice between a mandate model or a fee basis.
If you award us a mandate, Caveo Corporate will become your strategic partner for all issues relating to pensions, insurance and financial wellbeing. We prefer to support you as part of a long-term collaboration: from the analysis of your existing contracts, through optimization and implementation, to ongoing support and the processing of claims. We keep your documents up-to-date and digitally available for you at all times. As Caveo Corporate is compensated directly by the insurance and pension partners, there are no additional costs for you as a company. You also benefit from our exclusive additional services for employers and employees.
If you would like to engage us for a specific project or for independent advice without a client relationship, we will invoice you on a fee basis. The fee is defined transparently according to time and effort or a flat rate and agreed with you individually.