What Swiss Risk & Care does

Swiss Risk & Care (legally Qualibroker-Swiss Risk & Care SA) is a Geneva-headquartered independent insurance brokerage and HR services platform operating across 14 offices in Switzerland and Liechtenstein with 430 expert employees. The firm was formed in 2017 from the merger of hpr and Unirisc, joined forces with Qualibroker in October 2023, and is wholly owned by Diot-Siaci, Europe's leading independent insurance brokerage group (€1.03B 2024 revenue). The platform spans four service domains: insurance brokerage across property, health, personal, and financial risk lines; occupational pension (LPP/BVG) advisory including individualised pension schemes within architecture-open collective foundations; HR services including payroll outsourcing, absence management, and individual/corporate social reporting (BSI/BSE); and actuarial consulting including captive reinsurance via partner 2RS. Services are delivered through specialized multilingual Switzerland-based Caredesks covering Absences, Payroll & HR, Insurance & LPP, Medical Expenses, and Reimbursements, supplemented by subsidiaries ISMAT Group, UCare, and Sulser & Partner for corporate health management.

The underlying technology stack centres on a Swisscom ESC cloud infrastructure providing 100% Swiss data residency with ISO 27001, FINMA, and ISAE compliance, alongside proprietary digital platforms: the BrokinWeb client portal for 24/7 policy and claims access, the Unipro absence-management interface, the HRMS for HR data management, and BSI/BSE for social-benefit visualization. Predictive absence analytics are delivered via a partnership with third-party tool Biings. The firm holds FINMA intermediary registration and maintains EcoVadis sustainability certification and UN Global Compact signatory status as part of Diot-Siaci.

Revenue is generated through three streams: insurance brokerage commissions on placed policies, fees for HR and payroll outsourcing delivered through the Caredesks, and fee-based actuarial and risk consulting. The company manages CHF 1.7B in premiums across 8,000+ corporate clients, serves as the leading broker in French-speaking Switzerland and the second-largest nationally, and goes to market exclusively through a direct-advisory model with dedicated account managers for enterprise clients, multi-specialist advisors for SMEs, and generalist advisors for individuals and SMBs. Pricing is quote-based and negotiated per engagement, with no public pricing tiers disclosed.

Name

Swiss Risk & Care

Legal name

Qualibroker-Swiss Risk & Care SA

Website

https://swissriskcare.ch

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Swiss Risk & Care (Qualibroker-Swiss Risk & Care SA) is a Geneva-based independent insurance brokerage and HR services platform serving 8,000+ corporate clients across Switzerland and Liechtenstein, delivering insurance, pension, payroll outsourcing, absence management, and actuarial consulting through 14 offices and specialized Caredesks.

Ownership category

akta.pro rank

Product category

Insurance Brokerage & HR Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)

akta.pro secondary industries

Worksite Hospital Indemnity Insurance (FSAIAMAB), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Disease-Specific & Condition-Specific Critical Illness (e.g., Cancer, Heart/Stroke) (FSAIAKAH)

Keywords

• Insurance brokerage services
• Occupational pension advisory
• HR outsourcing services
• Actuarial consulting
• Corporate risk management

Headquarters

HQ city

Geneva

HQ country

Switzerland

HQ region

Europe

Offices14 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance broker, the company earns commissions from insurance companies when placing policies on behalf of clients. Commission rates vary by type of business and insurer.
2. HR and Payroll Outsourcing Services: Fees for outsourced HR administrative services including payroll processing, absence management, and HR data management delivered through Caredesks.
3. Actuarial and Risk Consulting: Fee-based actuarial consulting services including risk assessment, insurance portfolio optimisation, and actuarial studies for captive management.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Qualibroker-Swiss Risk & Care is an independent insurance brokerage and HR services outsourcing firm placing corporate and individual coverage (property, health, personal, and financial risk) with multiple carriers, advising on occupational pension schemes (LPP/BVG), and delivering outsourced payroll, absence management, and corporate health services through dedicated Caredesk teams. The firm also provides actuarial consulting and risk management advisory, including captive reinsurance setup via partner 2RS.

Product overview

Swiss Risk & Care (Qualibroker-Swiss Risk & Care) is an independent insurance brokerage and HR services firm operating as a platform of integrated service modules. The core offering spans four domains: Insurance Brokerage (property, health, personal, and financial risk lines), Occupational Pension Provisions (LPP/BVG advisory and individual pension schemes), HR Services (absence management, payroll outsourcing, corporate and individual social reporting, corporate health management), and Actuarial & Risk Management Consulting. Key digital modules include a Client Portal (BrokinWeb/myportal) for policy and claims access, Individual Social Reports (BSI) for employee benefit visualization, and predictive absence analytics via recommended third-party tool Biings. Services are delivered through specialized Caredesks (Absences, Payroll & HR, Insurance & LPP, Medical Expenses, Reimbursements) and supported by subsidiaries ISMAT Group, Sulser & Partner, and Ucare for health management. The company serves companies, independent professionals, and individuals across 14 Swiss locations.

Differentiator

Problem solved

Functional benefit

Brands

• ISMAT Group: Health and workplace wellness management company offering stress management, team climate improvement, and organizational health solutions
• UCare
• Sulser & Partner
• Biings
• Caredesks

Products and services

• Insurance Brokerage Independent brokerage of insurance coverage (property, health, personal, and financial risk) for companies, liberal professionals, and individuals, including tailored coverage recommendations from multiple insurers, claims assistance, and ongoing portfolio optimisation.
• Occupational Pension Provisions (LPP/BVG) Professional pension advisory and management including individualised pension schemes within collective foundations, pension fund transfers, ongoing pension commission support, and architecture-open foundation solutions for clients seeking personalised occupational pension provisions.
• Payroll and HR Services Outsourcing Outsourced payroll processing and HR administrative tasks for Swiss companies, delivered by multilingual teams based in Switzerland through the dedicated Caredesk Payroll & HR Services.
• Absence Management (Caredesk Absences) Comprehensive tracking and management of planned and unplanned employee absences, with predictive analytics flagging chronic patterns, return-to-work coordination, and dedicated absence-administration support via the Caredesk Absences team.
• Corporate Health Management Holistic corporate health offering covering employee physical and mental well-being, absence management, stress reduction, and return-to-work facilitation, delivered through the ISMAT Group, Sulser & Partner, and UCare subsidiaries.
• Actuarial Consulting Actuarial studies evaluating insurance risks, optimising employee benefit coverage through Corporate Social Balance Sheet analysis, and modelling absence patterns for daily sickness benefits and disease-benefit contracts.
• Risk Management Advisory Risk management consulting including captive reinsurance setup and management, Swiss Solvency Test (SST) support, and FINMA regulatory compliance guidance delivered in partnership with 2RS, managing more than 50 captives across Switzerland, Luxembourg, and Malta.
• Client Portal (BrokinWeb / myportal) Secure online portal providing clients with 24/7 access to policy documents, claims submission and tracking, and direct messaging with their dedicated advisor; currently available for German- and Italian-speaking locations.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Diot-SiacicoreStrategic or Co-development Partner · 16 November 2021Diot-Siaci is the parent company of Qualibroker-Swiss Risk & Care. Formed in November 2021 from the merger of SIACI Saint Honoré and Groupe Burrus, Diot-Siaci is Europe's leading independent insurance broker, present on 4 continents with over 8,000 employees, serving 5 million people and generating €1.03 billion in revenue (2024).
• 2RS (Risk Reinsurance Solutions)coreStrategic or Co-development Partner2RS is a subsidiary of SIACI Saint Honoré providing captive reinsurance management. The partnership with Qualibroker-Swiss Risk & Care offers alternative and comprehensive solutions combining optimised captive management with actuarial consulting. 2RS manages more than 50 captives in Switzerland, Luxembourg, and Malta.
• ISMAT GroupcoreStrategic or Co-development PartnerISMAT Group is a subsidiary providing corporate health management and workplace climate improvement services. They offer proven solutions and training programmes for managers and HR teams, covering absenteeism reduction, stress management, and team engagement. Intervention areas include management practices, psychosocial risk prevention, and organisational regulation.
• UCareminorStrategic or Co-development PartnerUCare specialises in care management to facilitate return-to-work after illness or accident. Composed of nurses, coaches, psychologists, and care management specialists, UCare coordinates dialogue between absent employees, employers, and insurance companies, working with a network of medical advisors.
• Sulser & PartnerminorStrategic or Co-development PartnerSulser & Partner provides case management for professional reintegration and job coaching for job retention. They also offer new placements for career reorientation and work with AI (disability insurance) offices to support resilience training and job search support.
• Swisscom (ESC Cloud)coreTechnology or IntegrationSwisscom is the trusted Swiss partner providing cloud infrastructure (Enterprise Service Cloud) for 100% Swiss data storage. The ESC cloud offers ISO 27001 certification, FINMA and ISAE compliance, 24/7 support, geographically redundant sites 100 km apart, and high availability with incremental backup.
• Schreiber Maron Sprenger AGminorChannel Partner/ Reseller/ DistributorSchreiber Maron Sprenger AG is a partner office located in Vaduz, Liechtenstein, operating under the Qualibroker-Swiss Risk & Care umbrella with Jan Müller as Director General and Roger Kälin as management member.
• MD ConsultminorChannel Partner/ Reseller/ DistributorMD Consult was acquired by Qualibroker Swiss Risk & Care in July 2024, strengthening the company's position in the Valais region and making it the leading broker in Valais.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Swiss Life: Switzerland's largest life insurer and significant provider of occupational pension (LPP/BVG) and group insurance products. A broad incumbent that overlaps directly with Swiss R&C's life, health and pension brokerage pillars with a much larger balance sheet.
• Marsh: Global insurance brokerage and risk advisory major with a Swiss presence across commercial P&C, employee benefits and risk management. Competes directly with Qualibroker-Swiss R&C on enterprise and mid-market brokerage but operates a much broader global footprint.
• Willis Towers Watson (WTW): Global advisory, broking and solutions firm with strong Swiss operations across insurance, risk management and pension/actuarial consulting. Overlaps directly with Swiss R&C's actuarial, pension and insurance brokerage offerings but at global scale.
• Aon: Global insurance and reinsurance broker with a Swiss office serving large corporates on risk, health and benefits brokerage. Highly comparable service mix to Swiss R&C's insurance + HR/pension advisory model, though at much larger scale and international scope.
• Vaudoise Assurances: Swiss mutual insurer and broker serving individuals, SMEs and corporates across property, life and health insurance. A broader incumbent that combines captive products with brokerage, competing for the same Swiss customer segments as Swiss R&C.

Regional players

• Mobiliar: Swiss cooperative insurer with strong retail and SME presence including personal lines, property and pension products. Adjacent competitor for the same Swiss employer and private-client relationships, though primarily an insurer rather than independent broker.

Emerging players

• BDO Switzerland (Insurance Services): Swiss audit, tax and advisory firm that includes insurance broking and advisory services to corporate clients. Provides similar risk-advisory and employee-benefits services to Swiss mid-market, overlapping partially with Swiss R&C.
• Howden: Independent European-focused insurance broker with growing Swiss operations and acquisition-driven expansion. Comparable independent-broker DNA to Swiss R&C and a like-minded M&A-led growth model across European brokerage markets.

Direct peers

• Gruner + Bochsler: Independent Swiss insurance broker serving SMEs and private clients across multiple cantons. Highly comparable independent-broker positioning to Swiss R&C's 'leader in Romandie / #2 nationally' franchise in the domestic Swiss market.
• Kessler: Independent Swiss insurance broker focused on corporate and private clients with headquarters in Zurich. One of the most direct domestic competitors to Qualibroker-Swiss R&C, offering property/casualty, life and pension brokerage to Swiss SMEs and large accounts.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCOyLs5_DYMK-eH-8nrrZkNA
• LinkedInlinkedin.com/company/qualibroker
• Xx.com/swissriskcare
• Facebookfacebook.com/swissriskcare

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Swiss Risk & Care