STARTUPS.CH | Getting started as a Mompreneur

How to best organise your Mompreneurs 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 mother 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.

Home-based businesses - How to run your business from home

In order to create harmony between work and family time, many Mompreneurs rely on home-based businesses. Like that you run your business from home and have a home-based business.

Self-employment in a home office is of course not suitable for every mother. So you have to decide in your situation which is the right way for you. Not every product or service offered can be operated from home. You can sell your DIY instructions or baby clothes in your home office via an online shop. However, it is difficult to set up your own crèche at home. Even for a marketing agency you will need your own office sooner or later.

In any case, we recommend a clear and structured organisation to keep your time management under control.

Tip: It's worth deciding on the domicile of your company before you start up, to avoid having to change your domicile later.

Time management - Create a weekly schedule

As a Mompreneur you are a very busy woman. After all, you run your own business and have your mother duties to fulfil. You should not miss the appointment with the most important supplier, leave your daughter in the rain after kindergarten or forget your son's lecture.

It is therefore important to have your time management under control and to draw up a weekly schedule. You can enter all important dates in it and have an overview of what is coming up. Make sure that you don't fill your schedule with unnecessary details so that you keep a clear overview.

Whether you keep your weekly plan digitally or on paper is entirely up to you and your preferences.

Set realistic goals

To be able to celebrate small successes and not put yourself under enormous pressure, you should set yourself challenging but above all realistic goals. Not every newly founded company experiences great growth right from the start, which is why you should also be happy about small progress.

By setting goals, however, you ensure that your company continues to develop. By setting goals, you can set yourself new challenging goals that are possible to achieve.

Such targets may include, for example, the number of products or services sold or the development of a new product. The important thing is that you set yourself your personal goals and at the same time keep up with other competitors.

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

Not all Mompreneurs separate the roles. This also depends a lot on your personal preferences and the activity of your company. Some companies live from the creativity and ideas that originate from conversations and discussions within family and friends. For example, the manager of a crèche or the DIY artist can bring more from her role as a mother into the company than the owner of a marketing agency.

Nevertheless, no matter which company you run, you should consciously separate working time from family or mother time. This way you can always concentrate on what is central at the moment. Otherwise you run the risk of mixing up the two roles completely and working 24/7.

Even though there may be times when your company or your 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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Maternity leave and maternity allowance in self-employment

As the payment of EO contributions is compulsory for you, you will also receive maternity benefits as a self-employed person. This covers 80% of the income subject to OASI contributions for the last 12 months before the birth and can be drawn for a maximum of 14 weeks. You therefore enjoy the same maternity protection as a self-employed person.

The prerequisite for this is that you were insured with the OASI during your pregnancy and were self-employed or employed for at least five months of that time. You should also be self-employed at the time of the birth.

Maternity leave and maternity allowance in independence

The insurance cover as a self-employed Mompreneur

As a Mompreneur, 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 mompreneur

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.

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

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General Assembly Minutes

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Basic

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Business

from CHF 779

Processing in

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Control of the submitted documents

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Express (2 weeks)

Control of payments

Representation before the tax authorities

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Prime

from CHF 1'499

Processing in

1 week

Control of the submitted documents

Preparation of the tax return

Certification of the remuneration of the board of directors and managing director

Control and discussion of the tax assessment

Extension of the deadline

Control of payments

Super Express (1 week)

Representation before the tax authorities

Personal consultation

Check tax optimization

Calculate offer

Basic

from CHF 79

Processing in

3 weeks

Control of the submitted documents

Preparation of the tax return

Extension of the deadline

Calculate offer

Business

from CHF 204

Processing in

2 weeks

Control of the submitted documents

Preparation of the tax return

Extension of the deadline

Express (2 weeks)

Control and discussion of the tax decision

Representation before the tax authorities

Calculate offer

Prime

from CHF 779

Processing in

1 week

Control of the submitted documents

Preparation of the tax return

Extension of the deadline

Super Express (1 week)

Control and discussion of the tax decision

Representation before the tax authorities

Check tax optimization

Personal consultation

Calculate offer

Mastering the Mompreneur everyday life

How to best organise your Mompreneurs everyday life and what you need to consider

Organisation as a recipe for success in self-employment

Home-based businesses - How to run your business from home

Time management - Create a weekly schedule

Set realistic goals

Separate your everyday life as a mother 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!

Maternity leave and maternity allowance in self-employment

The insurance cover as a self-employed Mompreneur

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