The following summary table should give you an overview of who is insured and how.
Obligation to Insure / Insurance protection
How am I insured as owner of a public company / limited liability company?
An employment relationship exists between the owner of a public company / limited liability company and the company. You will be considered an employee (not self-employed) and must take part in the mandatory accident insurance and the pension fund. Old age and survivors insurance, disability insurance and income replacement schemes are to be concluded independent of status (independently or dependently employed).
It is useful to consider the conclusion of sick pay insurance for job-related accidents. Furthermore, tax privileges apply for certain contributions to Pillar 3.
The right to unemployment compensation does not exist in every case. If a person operates as the CEO or board member of his own company, there is not entitlement to unemployment or short time compensation. There can only be an entitlement to unemployment compensation when the company has been liquidated or the management responsibility has been surrendered.
