Schweizerischer Kaderverband

What Schweizerischer Kaderverband does

Schweizerischer Kaderverband (SKV), founded in 1988 and headquartered at Florastrasse 4, 9000 St. Gallen, is a Swiss professional association (Verein under Art. 60 ZGB) operating as a bound insurance intermediary (gebundener Versicherungsvermittler) under Article 45 VAG. It serves more than 25,000 members covering over 100,000 lives, primarily Swiss self-employed individuals (Einzelfirma), small and medium enterprises (KMU such as GmbH, AG, and associations), and executive personnel (Kaderpersonen), with a free-membership pipeline for FH SCHWEIZ graduates. The organization is member-owned and self-governing, with day-to-day management outsourced to Lic. oec. H.J. Gerosa AG as Zentralsekretariat under CEO Marc Gerosa; it has no parent company, no venture or private equity backing, and is not publicly traded.

SKV's core offering is a collective insurance brokerage portfolio organized into three verticals: Retirement and Risk (BVG occupational pensions via ASGA, Pillar 3b risk insurance via Pax, UVG accident insurance via Helsana, and Taggeld via Helsana and innova), Liability and Legal Protection (Berufshaftpflicht, Betriebshaftpflicht, Organhaftpflicht via Liberty Mutual; Privat-Rechtsschutz, Betriebsrechtsschutz, and combined coverage via Dextra Rechtsschutz AG), and Specialized Lines (modular cyber insurance via Markel Insurance SE and Kollektiv-Krankenkasse via CSS and Helsana). The technology layer is a web-based platform with online premium calculators, quote request forms, member self-service tools (address changes, claims reporting), the SKV poinz cashback portal integrated with over 600 online brands and 500 local stores, and a legal document service with fixed-fee offerings.

Revenue derives primarily from insurance brokerage commissions across partner carriers, supplemented by a one-time CHF 50 membership entry fee (waived for FH SCHWEIZ members and students, with family members included), affiliate revenue share from the SKV poinz cashback portal, and ancillary fees from the Vertragsservice legal document platform. Distribution is multi-channel: online self-service for quotes and premium calculations, direct phone and email consultation via the Zentralsekretariat, and channel/reseller relationships with partner insurance carriers and the FH SCHWEIZ association. Supplementary member benefits (Audi fleet discounts, Miles & More credit cards, Choba Choba chocolate, Handelszeitung/BILANZ subscriptions) reinforce the value proposition but are not core revenue drivers.

Name

Schweizerischer Kaderverband

Legal name

Schweizerischer Kaderverband SKV

Website

https://kaderverband.ch

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

1–10 employees

Short description

Swiss professional association founded in 1988, operating as a bound insurance broker for 25,000+ self-employed professionals, SMEs, and executives, offering collective insurance products in pensions, liability, legal protection, and cyber via partner carriers.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Group Universal Life (GUL) (FSAIADAC)

Keywords

• Collective insurance brokerage
• Occupational pension solutions
• Professional liability insurance
• Legal protection insurance
• Cyber insurance coverage

Headquarters

HQ city

Sankt Gallen

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: SKV earns commissions from partner insurance companies for mediating insurance contracts including health insurance (CSS, Helsana), risk insurance (Pax), pension solutions (ASGA), legal protection (Dextra), liability insurance (Liberty Mutual), and cyber insurance (Markel).
2. Membership Fees: One-time entry fee of CHF 50 for new members. No annual fees. Free for FH SCHWEIZ members and students.
3. Cashback Portal Revenue Share: SKV poinz cashback portal where members earn cashback from partner retailers, with SKV receiving revenue share from affiliate partnerships.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Schweizerischer Kaderverband (SKV) is a Swiss professional association operating as a bound insurance broker (gebundener Versicherungsvermittler) under Article 45 VAG. It pools the purchasing power of its 25,000+ members to negotiate collective insurance contracts with partner carriers covering risk, occupational pension (BVG), health, liability, legal protection, and cyber risks, while also bundling lifestyle and business member benefits such as a cashback portal and Audi fleet discounts.

Product overview

Schweizerischer Kaderverband (SKV) is a professional association founded in 1988 serving as a bound insurance intermediary for Swiss SMEs, self-employed individuals, and executives. It operates a portfolio of insurance products (offered through partner insurance carriers) and member benefits, all accessible via a single membership (one-time entry fee of CHF 50, free for students, family members included). The core insurance portfolio is organized around three insurance verticals: (1) Retirement & Risk — Berufliche Vorsorge BVG (via ASGA Pensionskasse), Risikoversicherung 3b (via Pax), Unfallversicherung UVG (via Helsana), and Taggeldversicherung (via Helsana/innova); (2) Liability & Legal Protection — Berufshaftpflicht, Betriebs- und Produkthaftpflicht, Organhaftpflicht (all via Liberty Mutual), Privat-Rechtsschutz, Betriebs- und Privatrechtsschutz, and Betriebsrechtsschutz (all via Dextra Rechtsschutz AG); and (3) Specialized Lines — Cyberversicherung (via Markel Insurance SE) and Kollektiv-Krankenkassen (via CSS/Helsana). Supplementary member benefits (non-insurance) include the SKV poinz cashback shopping portal, Audi fleet discount program, SKV Vertragsservice legal documents, Miles & More credit cards, and discounted Handelszeitung/BILANZ subscriptions.

Differentiator

Problem solved

Functional benefit

Products and services

• Risk Insurance (Pillar 3b)

Quantifiable outcome

• Premium savings through collective purchasing power
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

14 partnerships are on record, tiered core, flagship and minor.

• Helsana AGcoreChannel Partner/ Reseller/ DistributorPartner for accident insurance (UVG), daily sickness benefits, and Kollektiv health insurance solutions. Handles claims processing and policy administration for UVG and Taggeld products.
• CSS (Kollektiv-Krankenkasse)coreChannel Partner/ Reseller/ DistributorPartner for collective health insurance solutions with special rates for SKV members on supplementary insurance.
• Pax, Schweizerische Lebensversicherungs-Gesellschaft AGcoreChannel Partner/ Reseller/ DistributorPartner for risk insurance (invalidity and death coverage) in free pension provision pillar 3b.
• ASGA Pensionskasse GenossenschaftcoreChannel Partner/ Reseller/ DistributorPartner for occupational pension (BVG) solutions for KMU and self-employed with and without employees. Offers SKV-MINIMUM, SKV-MEDIA, and SKV-OPTIMA pension plans.
• Dextra Rechtsschutz AGcoreChannel Partner/ Reseller/ DistributorPartner for legal protection insurance (private, business, and combined). Recognized as test winner with 'Hervorragend' rating.
• Liberty Mutual Insurance Europe SE, Zweigniederlassung ZürichcoreChannel Partner/ Reseller/ DistributorPartner for professional liability (Berufshaftpflicht), business liability (Betriebshaftpflicht), and executive liability (Organhaftpflicht) insurance.
• Markel Insurance SE, Zweigniederlassung SchweizcoreChannel Partner/ Reseller/ DistributorPartner for cyber insurance for SMEs and self-employed. Fortune 500 company with nearly 100 years experience and USD 55 billion in assets under management.
• innova Versicherungen AGcoreChannel Partner/ Reseller/ DistributorPartner for daily sickness benefits insurance (Krankentaggeld) for employees and business owners.
• FH SCHWEIZflagshipStrategic or Co-development PartnerAssociated partnership with FH SCHWEIZ, the national umbrella organization for graduates of Swiss universities of applied sciences. FH SCHWEIZ members receive free SKV membership.
• AMAG Import AG (Audi Schweiz)coreGTM or Marketing PartnerMemberPlus agreement providing SKV members with attractive fleet conditions and discounts on all Audi models. Additional 3% promotional discount on electric models.
• Miles & More / CornercardminorGTM or Marketing PartnerPartnership for credit card offerings including free Gold card and discounted Miles & More Gold and Classic cards with welcome bonuses.
• Choba ChobaminorGTM or Marketing PartnerPremium chocolate partner offering 12% discount on purchases for SKV members using code 'CHOBA-SKV-MITGLIEDERRABATT-12'. Supports fair-trade cacao farming in Peru.
• poinz (Cashback Platform)coreTechnology or IntegrationSKV poinz cashback portal with over 600 online shops and 500 local stores. Members receive automatic cashback in Swiss francs with CHF 10 welcome bonus.
• Handelszeitung / BILANZminorGTM or Marketing PartnerMedia partnership providing SKV members with up to 67% discount on digital and print subscriptions to business publications.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Die Mobiliar: Switzerland's largest mutual insurance company, operating as a member-owned cooperative with a similar philosophy of group-level collective benefit and SME / private client focus. Most directly comparable to SKV's mutual-member model and Swiss market positioning.
• Groupe Mutuel: Swiss mutual insurer offering combined health, property/casualty, and SME-targeted collective insurance solutions. Comparable to SKV in serving Swiss SMEs and self-employed with package-style product offerings.
• Touring Club Schweiz (TCS): Switzerland's largest member-benefit association with over 1.5 million members offering insurance products (travel, legal, vehicle) as part of a membership bundle. Same structural model as SKV: association + tied insurance intermediary + member benefits.
• Automobil Club der Schweiz (ACS): Swiss automobile club offering membership-based insurance products (vehicle, legal, travel) to its members. Highly analogous to SKV's association-tied insurance broker structure with cross-sold member benefits.

Broad incumbents

• Helvetia Insurance: Major Swiss insurance group with strong SME and specialty lines presence. Competes with SKV's partner insurers in liability, legal protection, and BVG space — overlaps SKV's product portfolio but as a carrier rather than broker.
• Baloise Group: Swiss-headquartered insurance and banking group with substantial SME and corporate liability exposure. Competes with SKV's partner carriers in liability, property, and pension products.
• AXA Switzerland: One of Switzerland's largest insurance carriers serving individuals, SMEs, and corporate clients across health, liability, and pension products. A potential partner-as-competitor for SKV's product lines.
• Zurich Insurance Switzerland: Major Swiss carrier with deep SME and corporate liability footprint. Comparable to SKV's partner carriers in D&O, professional liability, and BVG space.

Emerging players

• Profond: Swiss occupational pension fund (pension foundation) designed specifically for self-employed and SME professionals. Direct competitor to SKV's BVG offering through ASGA, focused on the same Einzelfirma / KMU segment.

Regional players

• Sympany: Swiss mutual health and property/casualty insurer with regional concentration, primarily in Northwestern Switzerland. Competes with SKV's health insurance collective offerings from CSS and Helsana.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/kaderverband
• LinkedInlinkedin.com/company/schweizerischer-kaderverband

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Schweizerischer Kaderverband