STARTUPS.CH | Getting started as a Dadpreneur

How to master your Dadpreneurs everyday life and what you need to consider

Organisation as a recipe for success in self-employment

In order to be able to live up to your existence as a father and as a successful entrepreneur, we recommend that you organise yourself well right from the start. In the following we give you some tips on how to keep your work-life balance under control.

Time management - Create a weekly schedule

If you run your own business and want to fulfil your daddy duties at the same time, you are a busy man. To be able to meet all (including your own) expectations, it is important that you have your time management under control.

We recommend that you draw up a weekly schedule in which you enter all important appointments. This will give you an overview of what is coming up and what you should not forget. This way you will never miss your son's birthday party or the meeting with the most important supplier. When you create your weekly schedule, make sure that you don't fill it with unnecessary details, so that you can keep a clear overview.

Which form - digital or on paper - your weekly schedule should have is entirely up to you and your preferences.

Set realistic goals

Challenging goals are good and will make you rise above yourself, but they must be realistic. This way you can celebrate small successes and do not put yourself under enormous pressure. Not every newly founded company experiences great growth from the start, so you should be happy about small progress.

By setting yourself realistic goals, you can ensure that your company will continue to develop. Once you have achieved your goals, you can set yourself new challenging goals that you think you can achieve.

The goals can be quantitative or qualitative. For example, they may include the number of products and services sold or the development of a new product.

Separate your everyday life as a father from the one as an entrepreneur

You should decide for yourself whether or not you want to clearly separate the two roles of father and entrepreneur. This depends strongly on your preferences and the activity of your company. Some entrepreneurs draw their creativity from discussions with family and friends and can therefore be innovative. Others want to clearly separate their professional activities from their leisure time.

However, regardless of which company you run, we recommend that you consciously separate your working hours from your family or dad's time. In this way you can concentrate on what is central and do not run the risk of mixing roles.

Even though there may be times when your company or family takes up more time than usual, you can consciously keep moments free through a clear separation and time planning.

Find your own identity and be confident

In the preparation phase you have already been able to get to know yourself better through self-analysis. You know where your strengths and weaknesses lie. Now think about who you are: What are your values? What drives you? What do you wish for?

Do not let your fears drive you, but be self-confident about yourself and your abilities. It is good to step out of line. All entrepreneurs are different and are characterised by their uniqueness.

Source: "Entrepreneurial Living - Unternimm dein Leben"

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Child allowances in Switzerland as a self-employed person

In principle, child allowances for self-employed persons are regulated in the same way as for employees. For children up to 16 years of age (if unable to work up to 20 years of age), you will receive child allowances of at least CHF 200 per month. After that (16-25 years), you will receive education allowances of at least CHF 250 per month for your child in education. The allowances are not paid to both parents, but only to the first entitled person.

As an independent father, you must therefore register with a family compensation fund and are liable to pay contributions. This applies if you have an income of at least CHF 592 per month and if you are not a part-time employer.

If you are an employee and self-employed person at the same time, you can receive child and education allowances from your employer. However, this is only possible if you are employed on a permanent contract or if it lasts longer than 6 months and your salary is more than CHF 7020 per year.

Child allowances in independence as a dadpreneur

Paternity leave in self-employment

Under the current regulations until 31 December 2020, you as a father are not entitled to paternity leave. You can, however, claim the entitlement within the framework of the usual days off in accordance with Art. 329 para. 3 of the Swiss Code of Obligations. The employer usually grants one or two days off. You can do this yourself as a self-employed person, either in a sole proprietorship or in a limited liability company or public limited company.

However, the referendum on the amendment to the Employment Substitution Act adopted on 27 September 2020 allows new fathers to take two weeks' paternity leave from 1 January 2021. For a 100% workload, this corresponds to 10 days, which can be taken within the first 6 months after the birth of the child. At the end of this period, the days not taken will expire.

Like maternity leave, paternity leave is financed by the income replacement scheme. The compensation amounts to 80% of the average income subject to AHV or a maximum of CHF 196 per day.

We show you what insurance cover you need as a self-employed father

As a Dadpreneur, you must make sure that you have the best possible insurance cover. Self-employment is associated with risks. With a risk analysis you can find out which risks your company is affected by.

Carry out a risk analysis and avoid damage from the very beginning

Not every company is exposed to the same risks. These depend strongly on the activity of your company, the location and the risks within the industry. To find out what insurance cover you need, we recommend that you carry out a risk analysis. Ideally you should do this as follows:

Define risk criteria

Think about the risks that could arise in your company. The criteria you list here should be as objective and comprehensible as possible. To do this, go through different scenarios and include both external (fire, burglary) and internal (liability, illness, termination) sources.

Define damage classes

Define different levels describing how your company could be affected by the risks. For example, this could be 'low', 'medium' and 'high'.

Evaluation of the risks and the amount of damage

If you present the whole thing as a table (see illustration below), you can now assess how strongly the different risks affect your business. Note the approximate amount of damage.

Avoid and reduce risks

Try to avoid and reduce the risks identified here as far as possible. For example, make sure that you and your employees wear good protective clothing and take any protective measures necessary to prevent accidents.

Here is an example:

risk analysis in independence as a dadpreneur

Personal insurance - Insure yourself and your employees sufficiently

In the risk analysis you could see where the risks lie with your company. Here we will now show you how you should protect yourself and your employees with personal insurance and what is compulsory and what is voluntary.

Sole propietorship

As the owner of a sole proprietorship, you are considered a genuine self-employed person with regard to social insurance and the insurance cover is only binding to a limited extent. Insurance that goes beyond the legal requirements is your own responsibility.

For you as a self-employed person, only the basic OASI, DI and EO insurances are mandatory. If you run a sole proprietorship, however, you cannot join the unemployment insurance scheme. You can join a pension fund and accident insurance scheme in accordance with UVG on a voluntary basis.

Limited liability company

If you set up a limited liability company, you are considered an employee in your own company and are therefore an employee from the point of view of social security. Some insurance policies are compulsory.

You are obliged to insure yourself and any employees with the following insurance benefits: OASI, DI, EO, family allowances, unemployment insurance, accident insurance and occupational benefits. If you have identified further risks in the risk analysis, you can also take out benefits in addition to the compulsory insurance.

Public limited coporation

As a mompreneur who runs a public limited company, you are considered an employee in the same way as in the case of a limited company for social security purposes and for this reason you are obliged to have a certain amount of insurance cover.

When you set up a public limited company, it is also obligatory to insure yourself and your employees for OASI, DI, EO, family allowances, unemployment insurance, accident insurance and occupational benefits. You can also receive additional insurance benefits if you have identified corresponding risks in the risk analysis.

Insurance for your company - Insure your company where it is necessary

If you run a business, you must insure your company as well as your personal insurance. In the risk analysis you could find out where the risks are that need to be insured. In principle, there are no legally prescribed insurance benefits. However, depending on the industry, you may need to take out certain basic insurance policies. Since company insurance policies cover the entire company, it does not matter what legal form your company has.

Professional liability insurance

You should only cover yourself with a professional liability insurance if your company employs a professional group in which liability claims may arise as a result of the exercise of your profession. These professional groups include, for example, doctors, dentists, lawyers, trustees and architects. The professional liability insurance covers personal injuries, property damage and financial losses.

Business liability insurance

Although business liability insurances are not obligatory, we recommend that you take out one, as every company should insure itself in this form. It covers the liability risks that arise from business activities. This means that personal injury and property damage caused by your company to a third party are covered.

Property insurance

Property insurances can be divided into building insurances and insurances of personal effects.

The building insurance insures immovable property. If you are buying or owning property, the compulsory building fire insurance only covers damage caused by natural forces and fire. If there are other risks with your company, you can insure further damage throughout a building insurance.

The insurance of your belongings includes moveable property that you place in a building either as a tenant or owner. Damage to furniture and equipment is therefore insured.

Special insurances

If your risk analysis has revealed other risks not yet covered, one of the following special insurance policies may be of advantage.

Machinery insurance

A machinery insurance covers sudden and unforeseen damage to machinery.

Business interruption insurance

If your business activity is interrupted, business interruption insurance covers its financial loss.

IT insurance

If a computer breaks down, both the system and the data carrier (including the lost data) and the additional costs of an alternative are covered by IT insurance.

Epidemic insurance

Epidemic insurance covers the financial loss caused, for example, by spoilage of goods or interruption of operations resulting from illness. Influenza viruses are not insured here.

Outsourcing - Let us support you

Concentrate on your core business - we take care of the rest

Our trustees and lawyers will support you with accounting and tax returns. So you can concentrate on the essentials during your valuable time.

Accounting at a monthly fixed price

Accounting with our subsidiary and trust company Findea AG enables you to do completely digital accounting, where you can find all documents in the cloud. So you can also check your figures outside office hours.

Basic

CHF 210 / month

excl. VAT

10 transactions per month

Financial statements

General Assembly Minutes

Company tax declaration

Arrange initial consultation

Business

CHF 400 / month

excl. VAT

30 transactions per month

Financial statements

General Assembly Minutes

Company tax declaration

Processing Value Added Tax

Reporting Value Added Tax

Arrange initial consultation

Prime

CHF 605 / month

excl. VAT

50 transactions per month

Financial statements

General Assembly Minutes

Company tax declaration

Processing Value Added Tax

Reporting Value Added Tax

Payroll accounting for 3 employees

Arrange initial consultation

Tax declaration for startups: With us you save time and money

You are a Dadpreneur, not a tax professional and want to save money and time? Let us fill in your tax return. All simply online by our experts and with satisfaction guarantee.

Basic

à partir de CHF 179

Traitement dans les

3 semaines

Contrôle des documents

Préparation de la déclaration d'impôts

Prolongation de délai

Calculer offre

Business

à partir de CHF 304

Traitement dans les

2 semaines

Contrôle des documents

Préparation de la déclaration d'impôts

Prolongation de délai

Express (2 semaines)

Contrôle et discussion de l'avis d'imposition

Représentation auprès des autorités fiscales

Calculer offre

Prime

à partir de CHF 879

Traitement dans les

1 semaine

Contrôle des documents

Préparation de la déclaration d'impôts

Prolongation de délai

Super Express (1 semaine)

Contrôle et discussion de l'avis d'imposition

Représentation auprès des autorités fiscales

Consultation personnelle

Contrôle de l'optimisation fiscale

Calculer offre

Basic

à partir de CHF 499

Traitement dans les

3 semaines

Contrôle des documents

Préparation de la déclaration d'impôts

Attestation de rétribution du CA / AG

Contrôle et discussion de l'avis d'imposition

Prolongation de délai

Calculer offre

Business

à partir de CHF 779

Traitement dans les

2 semaines

Contrôle des documents

Préparation de la déclaration d'impôts

Attestation de rétribution du CA / AG

Contrôle et discussion de l'avis d'imposition

Prolongation de délai

Express (2 semaines)

Vérification des factures

Représentation auprès des autorités fiscales

Calculer offre

Prime

à partir de CHF 1'499

Traitement dans les

1 semaines

Contrôle des documents

Préparation de la déclaration d'impôts

Attestation de rétribution du CA / AG

Contrôle et discussion de l'avis d'imposition

Prolongation de délai

Super Express (1 semaine)

Vérification des factures

Représentation auprès des autorités fiscales

Consultation personnelle

Contrôle de l'optimisation fiscale

Calculer offre

Basic

à partir de CHF 79

Traitement dans les

3 semaines

Contrôle des documents

Préparation de la déclaration d'impôts

Prolongation de délai

Calculer offre

Business

à partir de CHF 204

Traitement dans les

2 semaines

Contrôle des documents

Préparation de la déclaration d'impôts

Prolongation de délai

Express (2 semaines)

Contrôle et discussion de l'avis d'imposition

Représentation auprès des autorités fiscales

Calculer offre

Prime

à partir de CHF 779

Traitement dans les

1 semaine

Contrôle des documents

Préparation de la déclaration d'impôts

Prolongation de délai

Super Express (1 semaine)

Contrôle et discussion de l'avis d'imposition

Représentation auprès des autorités fiscales

Consultation personnelle

Contrôle de l'optimisation fiscale

Calculer offre

Mastering the Dadpreneur everyday life

How to master your Dadpreneurs everyday life and what you need to consider

Organisation as a recipe for success in self-employment

Time management - Create a weekly schedule

Set realistic goals

Separate your everyday life as a father from the one as an entrepreneur

Find your own identity and be confident

Attractive offers for start-ups and SMEs: Discover our Marketplace now and benefit!

Child allowances in Switzerland as a self-employed person

Paternity leave in self-employment

We show you what insurance cover you need as a self-employed father

Carry out a risk analysis and avoid damage from the very beginning

Define risk criteria

Define damage classes

Evaluation of the risks and the amount of damage

Avoid and reduce risks

Personal insurance - Insure yourself and your employees sufficiently

Insurance for your company - Insure your company where it is necessary

Professional liability insurance

Business liability insurance

Property insurance

Special insurances

Machinery insurance

Business interruption insurance

IT insurance

Epidemic insurance

Outsourcing - Let us support you

Concentrate on your core business - we take care of the rest

Accounting at a monthly fixed price

Tax declaration for startups: With us you save time and money