New-company leads for insurance brokers: how to reach new businesses first

A newly founded company has new risks from its first day and almost none of the cover it needs. For an insurance broker, the registration of a GmbH or AG is a timely signal: reach the founder while cover is still an open item and you can place several lines at once.

What a new Swiss company needs to insure

• Occupational pension (BVG, the second pillar), mandatory once it employs staff above the entry threshold.
• Accident insurance (UVG), mandatory for every employee.
• Daily sickness benefit (Krankentaggeld), common and often expected by staff.
• Business liability (Betriebshaftpflicht), essential even where it is not strictly required.
• Property, contents and business interruption cover for premises and equipment.
• Professional indemnity, D&O and cyber, depending on the activity.

Why timing beats everything

Most of these decisions are made once, around founding or the first hire, and then renewed on autopilot. A broker who arrives in the first weeks can advise on the whole package. A broker who arrives a year later is asking the founder to switch, which is far harder. The new-registration signal is your way in.

Match the cover to the company's purpose

The purpose clause in the register tells you a lot. A construction GmbH needs strong liability and accident cover, a software AG needs professional indemnity and cyber, a restaurant needs property, liability and staff cover. Reading the activity lets you lead with the line that matters most to that founder.

1. 1Pull each business day's new registrations in your cantons.
2. 2Read the purpose to judge the dominant risk and the likely headcount.
3. 3Confirm the company is reachable through a public directory.
4. 4Lead with the one cover that fits its activity, then offer to review the rest.
5. 5Set a reminder to follow up before its first renewal cycle.

A message that opens the door

Keep it short and specific to the activity. Name the cover most relevant to them and offer a review with no pressure.

Congratulations on launching [company]. New [activity] businesses in [canton] usually need their liability and staff cover in place quickly. Happy to review it in a short call, with no obligation.

Compliance and conduct

You are reaching a business at its public registered address about relevant cover, which is standard B2B outreach. Follow the Swiss supervisory rules for brokers (FINMA registration and the duties under the Insurance Supervision Act and the Insurance Contract Act), respect any opt-out at once, and observe the FADP and UWG. Do not buy or resell scraped personal contact data.

Do it every day without the manual work

The edge is consistency: every new company, every business day, matched to the lines you write. This service surfaces the new registrations in your cantons, reads the activity to flag the dominant risk, and drafts a first message, so you reach founders while cover is still on their to-do list.