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Taxes & social insurance for self‑employed courier partners in Switzerland
Clear guide to AHV, UVG, tax duties and bookkeeping tips for self‑employed courier partners operating across Swiss cantons.
Quick answer
As a self‑employed courier partner in Switzerland you are personally responsible for AHV/IV/EO contributions, accident insurance, tax declarations and proper bookkeeping. Register with the relevant compensation fund, check UVG and optional income‑protection policies, and keep clear records of income and expenses for tax and social‑security calculations.
1. Confirm your self‑employed status
Self‑employed couriers invoice clients, set their hours, use their vehicle and take business risks. Check your status with the cantonal tax office or the compensation fund if you have doubts.
2. AHV/IV/EO: main social contributions
Self‑employed people must register with the appropriate compensation fund and pay AHV/IV/EO contributions based on net profit. Payment schedules differ by fund. Budget for these quarterly or annual payments.
3. Accident insurance (UVG) and extra cover
Check whether UVG applies in your case. Many self‑employed couriers buy voluntary personal accident or daily‑sickness benefits to protect income during illness or injury.
4. Unemployment insurance (ALV) and gaps
Self‑employed workers are usually not covered by ALV. If you also have an employment contract, ALV may apply. Otherwise, plan private savings or insurance for income gaps.
5. Taxes: income, withholding and VAT
Declare net profit in your tax return. Foreign status or cross‑border work can trigger withholding tax obligations. If your taxable turnover exceeds the statutory threshold, you must register for VAT and charge VAT on invoices.
6. Bookkeeping and expense tracking
Use a simple income‑expense ledger or double‑entry accounting for higher turnover. Keep receipts for fuel, vehicle maintenance, insurance, parking and packaging. Separate business and private accounts and use accounting software that supports VAT reporting.
Frequently asked questions
When should I register for AHV?
Register as soon as you start earning from your self‑employment. The relevant compensation fund will tell you about deadlines and payment options.
Is accident insurance mandatory for self‑employed couriers?
Obligations depend on your situation. UVG can apply; many self‑employed people take out voluntary accident or daily‑benefit cover to secure income.
How do I claim vehicle expenses?
Record all business‑related vehicle costs: fuel, repairs, insurance proportion, lease payments or depreciation. Keep receipts and use either flat rates where allowed or actual costs in your accounts.
When must I register for VAT?
You must register when your taxable turnover exceeds the legal threshold. Monitor your revenue and contact the Federal Tax Administration for registration.