These General Terms and Conditions and the “Factsheet Compensation Broker Mandate” can be downloaded under Downloads, in the section Obligation to provide information according to VAG45.

    ATG Business AG (hereinafter referred to as ATG) is an independent insurance broker (registered insurance intermediary no. 30227) and a stock corporation under Swiss law with its registered office in Heerbrugg.

    Special agreements made remain subject to these General Terms and Conditions. The entire content applies mutatis mutandis to the female person and a plurality of people.

    These General Terms and Conditions are considered an integral part of the insurance broker mandate signed by the client. By signing the insurance broker mandate, the client confirms that they have taken note of and understood the General Terms and Conditions. ATG reserves the right to change the general terms and conditions at any time. The change can also be made by publication on the Internet. The client will be informed in advance in an appropriate manner. Without a written objection within 30 days of notification, the changes are deemed to have been approved. The currently valid version can be found on the Internet (at
    When the insurance broker mandate is granted to ATG, ATG takes over the management of all insurance contracts or - if specifically agreed - individual named insurance policies of the client. By taking over the insurance broker mandate, ATG is authorized to provide the following services: Analysis of existing insurance contracts; Comparison of the existing insurance cover with the client's actual risk profile; In consultation with the client, implementation of an insurance concept tailored to the risk requirements; Management of insurance contracts (ongoing administration and support); Obtaining insurance quotes, obtaining all information necessary to fulfill the mandate, providing support in the event of a claim. Depending on the client's needs, it may be advisable to consult a lawyer, financial or tax expert for specific issues. For global insurance programs, ATG is authorized to work with foreign broker partners and exchange data in the interests of the client.
    For the provision of the services in accordance with Section 3 above, ATG will be compensated with a standard brokerage fee, which is paid directly to ATG by the insurer.

    The amount of compensation is disclosed in the document “Factsheet Compensation Broker Mandate” in accordance with Art. 45b VAG (Insurance Supervision Act). The currently valid fact sheet can be found on the Internet (at Also disclosed are assumed compensation for qualified life insurance policies in accordance with Art. 39h VAG (Insurance Supervision Act).

    The client agrees to the payment of brokerage fees by the insurer to ATG and waives the right to challenge such brokerage fee payments from ATG. Compensation agreements that deviate from the standard brokerage fee model and which the contracting parties conclude separately remain reserved.

    Further services (in addition to Section 3), which ATG provides in consultation and at the express request of the client, will be invoiced to the client at the agreed hourly rate plus VAT.

    Sales from the activity as an insurance broker (see Section 3) are exempt from VAT (Art. 21 Section 18 VAT Act). In the event of a possible change in practice by the Federal Tax Administration in this regard, ATG expressly reserves the right to make additional demands on the client for the VAT it has levied. For the correct payment of any taxes the customer may have, such as: B. ATG assumes no liability for insurance taxes.

    ATG has cooperation agreements with all major insurers licensed in Switzerland (including health insurance companies and registered joint/collective foundations), but is not legally, economically or otherwise tied to an insurance company within the meaning of Swiss insurance supervision legislation. ATG manages the client's insurance contracts in agreement with the responsible insurers and also provides services that lead to partial work relief for the respective insurer. Claims are handled and settled by the respective insurer. ATG accompanies this process and intervenes directly with the insurers if necessary. Premium collection is the responsibility of the respective insurer.
    ATG and its employees carry out their tasks dutifully and with the best possible care. ATG and its employees are only liable for errors, negligence or incorrect information if breaches of duty are due to gross negligence or intentionally damaging behavior. Liability for slight negligence is expressly excluded.
    All data provided by the client and/or third parties (such as insurance companies, health insurance companies, occupational pension institutions, IT or other service providers, contractual partners, group companies, other people or bodies involved, etc.) (including particularly sensitive personal data such as health data) are treated confidentially by ATG and used or processed solely for the purpose of exercising and fulfilling the insurance broker mandate, in compliance with the principles of Swiss law on data protection. To the extent necessary for the exercise and fulfillment of the insurance broker mandate, the client agrees to an exchange of data between third parties and ATG. The client, for his part, confirms to ATG that only lawfully obtained personal data will be passed on to ATG and that he has informed the persons concerned about the data processing or data delivery to ATG and/or third parties and that the persons are included in the data transfer to ATG and/or Third parties have consented. Where data transfer abroad is necessary in the interests of the client in order to properly fulfill the broker service, the client agrees to the transfer of the data abroad. The client agrees to the processing of the data using internet applications offered by insurers. These web interfaces enable a simple and efficient exchange of data and information between ATG and the respective insurer.
    ATG offers the client a secure electronic communication channel with special email encryption. The client acknowledges that when using an electronic communication channel not operated by ATG, such as email (with the exception of special encryption), SMS or other standard channels, the following risks may arise, among others:
    – Communication is usually unencrypted. Unauthorized third parties could have knowledge of the sender, the recipient and the transmitted data.
    – Even if the sender and recipient are in Switzerland, data can end up abroad during transmission.
    – Unauthorized third parties (e.g. hackers) can fake or manipulate data.
    – Messages may contain malware or viruses that could harm the recipient. ATG declines all liability for damages for the use of an electronic communication channel not operated by ATG, such as email, SMS or other standard channels, and the client agrees that particularly sensitive personal data may also be sent unencrypted.
    The Client is responsible for compliance with the legal and regulatory requirements (including tax laws) applicable in each country and will comply with the legal and regulatory requirements applicable to it at all times.
    The insurance broker mandate comes into force when signed by both contracting parties and can be mutually revoked or terminated at any time. The consequences of damages in the event of untimely termination remain reserved. An untimely termination is deemed to be the cancellation of the insurance broker mandate by the client without ATG ever having received any compensation from the insurance companies. Efforts made by ATG during this time as well as associated costs and expenses incurred must be reimbursed by the client.
    The broker agreement is subject to Swiss law. Any lawsuits arising from this mandate agreement must be brought at the registered office or place of residence of the defendant party.


The following terms and conditions regulate the business relationship between the customer and ATG. Special agreements made remain reserved to these terms and conditions.


The agent takes over the services defined in the individual order agreement with the client. It executes the orders placed by the client with due care and in accordance with the applicable laws, statutes and regulations.


The agent is entitled to base their work on the facts given by the client, in particular figures, inventories and lists, as correct, unless they discover obvious inaccuracies that can be easily ascertained without additional testing. The adjustment of the differences of control accounts or between submitted accounting documents and lists resp. Certifications from institutions are basically the responsibility of the client.


The agent has the authority to take all measures for the account of the client, which the careful fulfillment of the order requires. In particular, it is authorized to obtain information from bank and bank-like institutions, tax authorities, social security institutions, insurance companies, debt collection and bankruptcy offices, the commercial register office and the like on the account of the client. It also has the right, within the framework of the general duty of care and in connection with the orders placed with it, to carry out analyzes / research and other work for the client, which it deems necessary in good faith in the sense of prudent order fulfillment.


The client undertakes to do everything and not to omit anything so that the agent can actually and properly fulfill its mandate in accordance with the statutory, statutory and regulatory provisions as well as the due care incumbent on it. In particular, he must, without being asked, hand over all documents necessary for the execution of the order to the agent in full and in good time so that the agent has a reasonable processing time available. The client is also obliged to inform the agent in a timely manner about all business transactions, processes and circumstances that the agent must be aware of in order to properly fulfill the order. In any case, it must be disclosed, without being asked, who is economically entitled to the transactions carried out. Any change in the board of directors and / or the shareholder / manager status must be reported to the agent without being asked and without delay, stating the current personal details.


As a rule, the agent has to provide its services at its seat. If the service is provided at the client's headquarters, the agent is to be compensated for the travel times at the usual hourly rate of the employees concerned.


The time required to fulfill the contractual obligations is determined by the amount of work. The agent undertakes to carry out the work that is necessary to properly complete the assigned tasks and to carefully safeguard the interests of the client. The agent is not bound by a specific time limit. She will deploy suitable and appropriately trained employees to fulfill the contract.


The agent is only liable to the client for willful and grossly negligent behavior. Any further liability, regardless of the title under which it is asserted, is excluded.


The services provided by the agent are reimbursed by the client according to the time expended. The agent records and charges the time spent on fulfilling the order.

The services provided based on the applicable contract agreement will be invoiced periodically based on the usual fee rates of the agent. An hourly rate range of CHF 100 – 300 can currently be assumed.

Price changes can be put into effect by the agent at the beginning of the year. For this purpose, the price changes will be announced in good time in advance by letter or email, published on the commissioner's homepage or made as part of an adaptation of the terms and conditions. Such price changes are considered part of the respective order agreement. It is up to the client to obtain information and document accordingly. The statutory value added tax is not included in the mentioned and declared hourly rates and will be invoiced additionally. Otherwise, expenses will be passed on at cost. The agent may request advances for the services to be provided. If the advance payment is not paid on time, the agent is entitled to stop the work without the client resulting in any claims for damages. At the same time, the services provided up to that point must be paid immediately and in full by the client.


The order agreement concluded between the client and the agent begins with their signature and ends with the agreed time lapse, the complete order fulfillment or upon termination.

The agent is entitled, in particular in the event of impending insolvency, outstanding receivables overdue for more than 90 days or over-indebtedness of the client, to terminate this order immediately and without any obligation to continue the work that has been started. The same applies if the client demands illegal behavior from the agent. In all cases, he is entitled to the fee claims for the services provided, regardless of the non-completion of the work. Upon termination of the order, the agent is entitled to charge the client a flat-rate compensation of CHF 250.00 excluding VAT for the infrastructure and archiving expenses arising from the termination of the contractual relationship. This also applies if the agent ends the order himself. The agent is required to keep the internal files relating to the contractual relationship for another 10 years. The same applies to electronic data insofar as their formats can be obtained in a timely and legible manner without further effort.

However, there is no legal claim on the part of the client to storage by the agent. It is hereby stated that the client is solely responsible for fulfilling the statutory retention requirements. The contractual relationship does not expire in the event of the client's death or incapacity to act or for any other reason in accordance with Art. 35 or 405 of the Swiss Code of Obligations.


The agent is obliged to keep confidential all matters of the client that are not generally known anyway. This obligation continues for an indefinite period after the contractual relationship has ended. The agent is, however, entitled to disclose information insofar as it is obliged to do so by law or an official or court order. Upon termination of the contractual relationship, the client is entitled to the return of all files made available by him to the agent.


Notifications from the agents are deemed to have been made when they have been sent to the last known address of the client.

C) General Terms and Conditions


In business dealings with ATG, Saturdays are equivalent to a state-recognized public holiday.

Should individual provisions of this agreement prove to be ineffective, this shall not affect the validity of the rest of this agreement. All deviating or additional agreements must be made in writing.


ATG reserves the right to make changes to the General Terms and Conditions at any time. These are sent to the customer and are considered accepted within 30 days without objection.

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