riskAware risk management

Legal basis

The imple­men­ta­tion of risk man­age­ment for SME com­pa­nies makes a sig­nif­i­cant con­tri­bu­tion to the ful­fil­ment of the legal require­ment pur­suant to Art. 716a of the Swiss Code of Oblig­a­tions, accord­ing to which the Board of Direc­tors, as the company’s top man­age­ment, is oblig­ed to organ­ise the account­ing sys­tem, pre­pare the annu­al report, car­ry out finan­cial con­trols and man­age the company.

Prin­ci­ples of risk assessment

From a prac­ti­cal point of view, it is impor­tant for the Busi­ness Judge­ment Rule* to be invoked that these for­mal­i­ties are prop­er­ly observed, that the inter­ests of the com­pa­ny are tak­en into account in the event of con­flicts of inter­est and that the oppor­tu­ni­ties and risks of a busi­ness deci­sion are doc­u­ment­ed. If all require­ments are met, the Busi­ness Judge­ment Rule can pro­vide a defence against alle­ga­tions of a breach of duty.

Oppor­tu­ni­ties for the broker

Sup­port your customers

The four objec­tives of risk man­age­ment:
- Tak­ing respon­si­bil­i­ty
- Opti­mise adhe­sion
- Pro­tect rep­u­ta­tion
- Max­imise profits

Con­tact

La Bel­la Con­sult­ing AG
Old Win­terthur­erstrasse 14A
8304 Wal­lisellen

www.riskaware.ch

Infor­ma­tion and coun­selling
Mar­co La Bel­la
Man­ag­ing Part­ner, Co-Founder
Phone 076 355 55 13 
marco.labella@labella.ch

Sil­via Klja­jic-Canale
Senior Con­sul­tant
Phone 079 585 14 72 
silvia.kljajic@labella.ch

Online Risk Dashboard

risks can be viewed at any time and
can be any
can be filtered.

How secure is a cloud?

cur­rent:

Hear­ing Sen­ate
France 2025

read now

Many com­pa­nies are think­ing about obtain­ing some of these ser­vices from the cloud in the future. Well-known providers include Ama­zon, Microsoft, Google etc. The advan­tages for the com­pa­ny are

  • Low­er hard­ware costs per location
  • More secu­ri­ty against failures
  • Small­er eco­log­i­cal footprint
  • Eas­i­er step-by-step scal­ing if required

Large play­ers from the USA have dom­i­nat­ed the cloud from the pub­lic sec­tor. Many com­pa­nies appre­ci­ate the abil­i­ty to con­ve­nient­ly obtain cloud ser­vices, regard­less of where the asso­ci­at­ed data cen­tre is locat­ed. How­ev­er, the move to the cloud is not only being dri­ven by the big tech giants. Swiss providers are in an extreme­ly favourable posi­tion to offer their cus­tomers greater secu­ri­ty. Pri­vate cloud providers can dis­pel many cloud con­cerns.

Let’s take data pro­tec­tion. Not all com­pa­nies want their data to be stored on US or Chi­nese servers. Pub­lic cloud cus­tomers have no say in the loca­tion. What if a secret ser­vice asks the provider, for what­ev­er rea­son, to hand over your customer’s data? This is a par­tic­u­lar­ly sen­si­tive issue when it comes to sen­si­tive data. This is pre­cise­ly where Swiss cloud providers stand out from for­eign providers.

Cloud providers that offer their ser­vices from a pri­vate, Swiss cloud infra­struc­ture use the «Swiss­ness fac­tor» to assert them­selves against inter­na­tion­al tech giants. With a Swiss provider, cus­tomers can be sure that their data will remain in Switzer­land. This is a deci­sive fac­tor for many companies.

Bro­ker­Star is also oper­at­ed in a Swiss pri­vate cloud. Most cus­tomers use this ser­vice. The Swiss Host­ing label ensures that the data remains exclu­sive­ly in Switzerland. 

Cloud providers require a data cen­tre from which the ser­vices offered, such as Soft­ware-as-a-Ser­vice, are pro­vid­ed. This requires the fol­low­ing components.

- Vir­tu­alised stor­age
Stor­age capac­i­ty is pooled from sev­er­al phys­i­cal sys­tems and offered to users as indi­vid­ual, cen­tral­ly con­trol­lable stor­age. The phys­i­cal stor­age is copied and made avail­able as a vir­tu­al «Stor­age Attached Net­work» (vSAN) pool. The appli­ca­tions used from this pool run on vir­tu­al machines (VMs).

- Vir­tu­alised serv­er
With serv­er vir­tu­al­i­sa­tion, CPU pow­er is vir­tu­alised instead of mem­o­ry. Phys­i­cal servers are divid­ed into sev­er­al sep­a­rate vir­tu­al serv­er envi­ron­ments using vir­tu­al­i­sa­tion soft­ware. The users work inde­pen­dent­ly on each vir­tu­al server.

- Vir­tu­alised net­work
Net­work vir­tu­al­i­sa­tion ensures that phys­i­cal net­works in sev­er­al vir­tu­al envi­ron­ments are man­aged inde­pen­dent­ly of each oth­er. Routers or switch­es are man­aged centrally.

- ICT secu­ri­ty
And then you need all kinds of secu­ri­ty devices, from fire­walls with DMZs to virus pro­tec­tion, intru­sion detec­tion and oth­er mea­sures to pro­tect devices, soft­ware and data from mali­cious attacks

Events

Upcom­ing events

Bro­ker­Star User Day 2025

date

Time

Loca­tion

Link

Pro­gramme

Reg­is­tra­tion

Thurs­day, 28 August 2025

11–16.30 hrs

iCi­ty, Reinach BL

https://www.wmc.ch/userday-2025/

Pro­gramme 2025

https://www.wmc.ch/web/anmeldung-dialog

Insur­ance Bro­ker Forum 2025

date

Time

Loca­tion

Link

Pro­gramme

Tues­day, 01 July 2025

08:15 — 16:30 h

Got­tlieb Dut­tweil­er Insti­tute — Rüschlikon

www.fuw-forum.ch

see web­site

IG B2B — Bro­ker­Con­vent 2025 

date

Loca­tion

Link

Pro­gramme

Wednes­day, 22 Octo­ber 2025

Bern­EX­PO

www.igb2b.ch

see web­site

Past events

Forum des Courtiers 2025

date

Time

Loca­tion

Link

Pro­gramme

Tues­day, 27 May 2025

08:00 — 16:00 h

Swiss Tech Con­ven­tion Cen­tre Ecublens

https://www.forum-des-courtiers.ch/

Fly­er Forum ACA 2025

20.11.2024 Swiss Insur­ance Inno­va­tion Award

date

Time

Loca­tion

Pro­gramme

Reg­is­tra­tion

Wednes­day, 20 Novem­ber 2024

in the evening

High-end event loca­tion AURA, Zurich

Pro­gramme

Tick­ets

29.08.2024 Bro­ker Secu­ri­ty Forum

date

Time

Loca­tion

Pro­gramme

Reg­is­tra­tion

Thurs­day 29. August 2024

11:00 — 16:30 h

Inno­va­tion Hub, München­stein BL

Pro­gramme 

Please until 19 August 2024 

20.06.2024 Bro­ker­Star User­day ’24

date

Time

Loca­tion

Link

Pro­gramme

Thurs­day 20 June 2024

13:30 — 17:00 h

WMC IT Solu­tions AG, virtual

Video record­ing

down­load

29.05.2024 Insur­ance bro­ker 24

date

Time

Loca­tion

Link

Pro­gramme

Wednes­day 29 May 2024

08:15 — 16:30 h

Got­tlieb Dut­tweil­er Insti­tute — Rüschlikon

fuw-forum.ch/insurance-broker

see web­site

30.05.2024 Forum des Courtiers

date

Time

Loca­tion

Link

Pro­gramme

Thurs­day 30 May 2024

08:00 — 16:00 h

Swiss Tech Con­ven­tion Cen­tre Ecublens

forum-des-courtiers.ch/invitation

voir site internet

Release planning

Release 3.8

28.07.2025: Sta­tus planned

in devel­op­ment

  • Revi­sion of the file manager
  • Absen­tee mail notification
  • Fix­ing the table head­ers in the overviews
  • Man­u­al col­umn width adjustable in the overviews

Release 3.7

16.06.2025: Sta­tus definitive

in devel­op­ment

  • API v3 extension
  • Per­for­mance optimisations
  • Code opti­mi­sa­tions

Release 3.6

 

31.03.2025: Sta­tus definitive

deliv­ered
  • Sobra­do BVG — Wage definition
  • Per­for­mance optimisations
  • Code opti­mi­sa­tions

Release 3.5 

27.01.2025: Sta­tus definitive

deliv­ered

  • Revi­sion of the file manager
  • Absen­tee mail notification
  • Fix­ing the table head­ers in the overviews
  • Man­u­al col­umn width adjustable in the overviews

Release 3.6

 

31.03.2025: Sta­tus definitive

deliv­ered
  • Sobra­do BVG — Wage definition
  • Per­for­mance optimisations
  • Code opti­mi­sa­tions

Release 3.5 

27.01.2025: Sta­tus definitive

deliv­ered

  • Addi­tions to BrokerWeb
  • Code opti­mi­sa­tions
  • FIN­MA-Reports for Broker*
     * Deliv­ered sep­a­rate­ly 03/2025

Release 3.4

 

16.09.2024: Sta­tus definitive

deliv­ered

  • Mass dele­tions via mass mutation
  • Group action for tasks, notes, appoint­ments (address­es, poli­cies, claims)
  • Old sta­tus­es are also updat­ed (address­es, policies)
  • A note is dis­played for delet­ed links
  • New fields for advanced search (time/performance)
  • Drop­downs can be select­ed with the Tab key
  • Mul­ti­ple selec­tion in drop­downs with CTRL
  • Dis­play units (time/power)
  • Actions in poli­cies rearranged
  • Glob­al bro­ker­age fees: sim­pli­fied handling
  • Inter­me­di­ary com­mis­sion now in sep­a­rate tab (Poli­cies)
  • New group actions in sev­er­al modules
  • Text box­es are enlarged dynamically
  • Cus­tomer logins can be export­ed, import­ed and edit­ed with Excel

Release 3.3

 

24.06.2024: Sta­tus definitive

deliv­ered

  • Opti­mi­sa­tion of han­dling invoic­ing with automat. filing
  • Dynam­ic font size set­ting in the word processor
  • Expan­sion of the brokerbusiness.ch interface
  • Design change of the group action block
  • Overview of col­umn fix­a­tion of the menu and checkboxes

Release 3.2

 

08.04.2024: Sta­tus devinitiv

deliv­ered

  • New improved release notes
  • Expan­sion of the brokerbusiness.ch interface
  • Change to the autho­ri­sa­tion man­age­ment in the file man­ag­er for mov­ing files and folders
  • New search field for pol­i­cy number
  • Arti­cle search in the order overview
  • all details under Knowl­edge Base

Release 3.1

12.02.2024: Sta­tus definitive

deliv­ered


  • XML revi­sion, delete function
  • Syn­chro­ni­sa­tion of con­tract data with Sobra­do II
    Syn­chro­ni­sa­tion of con­tract data with Sobrado
  • New func­tions in address book and correspondence
  • New func­tions in pol­i­cy, prod­ucts and pre­mi­um calculation
  • Dam­age now mass muta­tion and fil­ter to BrokerWeb
  • File man­ag­er improvement
  • all details under Knowl­edge Base

Release 3.00

15.10.2023: Sta­tus definitive

deliv­ered

  • Bro­ker­Star 3.0, com­plete­ly revised ver­sion with new functions
  • Release notes are dis­played in all languages
  • Update Sym­fony frame­work incl. entire pro­gramme stack
  • Mod­erni­sa­tion Design
  • Autho­ri­sa­tion sys­tem renewed -> per­for­mance gain
  • Renew­al of host­ing infrastructure
  • all details under Knowl­edge Base

Bro­ker­Web 3.0

14.10.2022: Sta­tus definitive

record­ed on 27 Octo­ber 2022

 
  • Bro­ker­Web cus­tomer por­tal com­plete­ly redeveloped
  • Update per cus­tomer indi­vid­u­al­ly as agreed

Release 2.24

14.09.2022: Sta­tus planned

record­ed on 30 March 2023

 
  • Syn­chro­ni­sa­tion of con­tract data with Sobra­do I
  • Improve­ments in the File Manager
  • Mul­ti-fac­tor authentication
  • IG B2B core process­es V‑5.3 -> 5.4
  • Com­plete solu­tion for tele­pho­ny with BrokerStar

Release 2.23 

30.03.2022: Sta­tus definitive

record­ed on 29 March 2022

 
  • Report time expen­di­ture, bro­ker­age, prof­itabil­i­ty (delayed with 2.23.X)
  • Mail sender is also displayed
  • Mark/search com­pressed PDF
  • Con­nec­tion to 3CX tele­phone sys­tem for out­go­ing and incom­ing calls
  • Bro­ker­Web 2.2:  Release 2.6 (deliv­ery 31.05. May 2022)
    - Show the address of the bro­ker oper­at­ing the por­tal in the foot­er
    - Enter/create a claim with­out login/policy
    - Cus­tomis­able news sec­tion on the home page
    - Pro­vide invoic­es to the end cus­tomer via the por­tal (trig­ger­ing noti­fi­ca­tion)
    - dis­play indus­tries with­out con­fig­ur­ing the Bro­ker­Web industries

FINMA Reporting with BrokerStar

New in BrokerStar

Bro­ker­Star includ­ed the FINMA reports in the stan­dard in time for 31 May 2025
- with­out addi­tion­al costs!

FINMA reg­u­la­tions are a headache for some bro­kers. How­ev­er, Bro­ker­Star at least helps with the prepa­ra­tion of the reports that have to be sub­mit­ted to FINMA. A new report has been cre­at­ed specif­i­cal­ly for this purpose.

How­ev­er, it is impor­tant that the nec­es­sary data is entered cor­rect­ly and com­plete­ly. What data is needed?

  • Enter the start of the man­date in the contact
  •  Assign­ment of cor­po­rate or pri­vate client or co-broker
  • Enter the start or last muta­tion for the policies
  • At least the first pre­mi­um invoice for each active policy*
  • Mark can­celled or sus­pend­ed poli­cies accordingly
  • Record all com­mis­sions, bro­ker­age fees and fees from 1 Jan­u­ary 2024
  • Accounts receiv­able must be up to date (includ­ing open bro­ker­age claims)
  • Set­tle all frame­work agreements

With the pub­li­ca­tion of 17 Decem­ber 2024 FINMA has pub­lished a let­ter for the first time explain­ing the detailed spec­i­fi­ca­tions for the new FINMA report­ing to be sub­mit­ted. This doc­u­ment clar­i­fies which data is to be col­lect­ed and in what form it is to be sub­mit­ted to FINMA. Fur­ther­more, this let­ter sup­ports the tar­get­ed devel­op­ment of Bro­ker­Star with regard to the effi­cient prepa­ra­tion of the required report­ing. As your ser­vice provider, our aim is to make it as easy as pos­si­ble for you to sub­mit the required infor­ma­tion to FINMA.

With this in mind, we would like to point out that it is essen­tial for com­plete report­ing that you as a user main­tain the required fields in Bro­ker­Star. Of course, we will con­tin­ue to inform you about the new fea­tures in FINMA report­ing in the future, so that first­ly you know what has been added to Bro­ker­Star and sec­ond­ly you have enough time to enter your data. We will of course be hap­py to pro­vide you with sup­port for this new function.

Anmeldung BrokerStar Userday ’25

Bro­kerStar User­day ’25
WMC a step ahead

Reg­is­tra­tion


I would like to take part in the event.
(Please fill in a sep­a­rate reg­is­tra­tion form for each participant)

Datum:   Don­ner­stag, 28. August 2025 11.00–16.30 h

Ort:         iCi­ty, Neuhof­s­trasse 11, 4153 Reinach BL
               (Park­plätze vorhan­den und ÖV)


Mot­to    Gross­es Branchen­tr­e­f­fen mit span­nen­den Leuten
             und inter­es­san­ten Informationen 

 

 

inde­pen­dent

 

dig­i­tal

 

safe

My con­tact details


    Aktuelles über Bro­ker­Star präsen­tiert vom WMC-Team

     

    meet the guests

     

    meet the the team

     

    get the news

     

    WMC customer portal

    Instruc­tions

    Def­i­n­i­tion of
    The WMC cus­tomer por­tal offers you as a cus­tomer cen­tralised, secure and per­son­alised access to var­i­ous ser­vices and infor­ma­tion. You can use the por­tal to access your per­son­al data, car­ry out trans­ac­tions, make enquiries and much more. The indi­vid­ual func­tions are also tai­lored to the autho­ri­sa­tions of the respec­tive users. This means that sev­er­al peo­ple per com­pa­ny (cus­tomer) can have the same or dif­fer­ent authorisations.

    Ben­e­fit
    The WMC cus­tomer por­tal has the Bro­ker­Web as a role mod­el and aims to make cus­tomer inter­ac­tions more effi­cient, cus­tomer-friend­ly and com­pli­ant with data pro­tec­tion reg­u­la­tions. Cus­tomer por­tals are now regard­ed as an impor­tant part of the cus­tomer jour­ney, as they pro­vide con­stant and direct access to com­pa­ny resources.

    Func­tions
    You can access the WMC cus­tomer por­tal via the WMC web­site with login — pass­word and mul­ti-fac­tor authen­ti­ca­tion. This cre­ates a secure and data pro­tec­tion-com­pli­ant con­nec­tion to WMC, just as you know it from e‑banking. Infor­ma­tion and doc­u­ments are avail­able to you in the por­tal. You can cre­ate access for sev­er­al peo­ple with dif­fer­ent autho­ri­sa­tions. You can find your con­tract doc­u­ments, the cur­rent sub­scrip­tion and all invoic­es. You can also use the por­tal to sub­mit enquiries such as new or chang­ing employ­ees, orders for addi­tion­al mod­ules. The func­tions are still being expand­ed. We are hap­py to receive suggestions.

    For error mes­sages and tech­ni­cal enquiries, please use the tick­et sys­tem in BrokerStar.

    The reg­is­tra­tion
    You will receive an e‑mail with the link to the por­tal reg­is­tra­tion. Please take the fol­low­ing steps, to be able to use the por­tal afterwards.

    1. Down­load an authen­ti­ca­tor on your mobile phone if you have not already done so
      (WMC rec­om­mends the apps from Microsoft or Google)
    2. Use the link «Login» at www.wmc.ch to log in
      Atten­tion: Use only the login name sent to you
    3. Scan the QR code with the Authen­ti­ca­tor app
    4. Change your pass­word for your security

    You can now use the por­tal at any time. As soon as new doc­u­ments are added to the por­tal, you will receive a noti­fi­ca­tion e‑mail.

    Login to the cus­tomer por­tal:
    (click to enlarge)

    Authen­ti­ca­tor Down­load at:

    Request access to the portal









       

       

      Do you have any ques­tions?
      We are here for you.
      061 716 11 15
      info@wmc.ch

      Do you need fur­ther access?
      Then please use the form on the left.

      WMC customer portal

      WMC cus­tomer por­tal
      Instruc­tions

      Def­i­n­i­tion of
      The WMC cus­tomer por­tal offers you as a cus­tomer cen­tralised, secure and per­son­alised access to var­i­ous ser­vices and infor­ma­tion. You can use the por­tal to access your per­son­al data, car­ry out trans­ac­tions, make enquiries and much more. The indi­vid­ual func­tions are also tai­lored to the autho­ri­sa­tions of the respec­tive users. This means that sev­er­al peo­ple per com­pa­ny (cus­tomer) can have the same or dif­fer­ent authorisations.

      Ben­e­fit
      The WMC cus­tomer por­tal has the Bro­ker­Web as a role mod­el and aims to make cus­tomer inter­ac­tions more effi­cient, cus­tomer-friend­ly and com­pli­ant with data pro­tec­tion reg­u­la­tions. Cus­tomer por­tals are now regard­ed as an impor­tant part of the cus­tomer jour­ney, as they pro­vide con­stant and direct access to com­pa­ny resources.

      Func­tions
      You can access the WMC cus­tomer por­tal via the WMC web­site with login — pass­word and mul­ti-fac­tor authen­ti­ca­tion. This cre­ates a secure and data pro­tec­tion-com­pli­ant con­nec­tion to WMC, just as you know it from e‑banking. Infor­ma­tion and doc­u­ments are avail­able to you in the por­tal. You can cre­ate access for sev­er­al peo­ple with dif­fer­ent autho­ri­sa­tions. You can find your con­tract doc­u­ments, the cur­rent sub­scrip­tion and all invoic­es. You can also use the por­tal to sub­mit enquiries such as new or chang­ing employ­ees, orders for addi­tion­al mod­ules. The func­tions are still being expand­ed. We are hap­py to receive suggestions.

      For error mes­sages and tech­ni­cal enquiries, please use the tick­et sys­tem in BrokerStar.

      The reg­is­tra­tion
      You will receive an e‑mail with the link to the por­tal reg­is­tra­tion. Please take the fol­low­ing steps, to be able to use the por­tal afterwards.

      1. Down­load an authen­ti­ca­tor on your mobile phone if you have not already done so
        (WMC rec­om­mends the apps from Microsoft or Google)
      2. Use the link «Login» at www.wmc.ch to log in
      3. Scan the QR code with the Authen­ti­ca­tor app
      4. Change your pass­word for your security

      You can now use the por­tal at any time. As soon as new doc­u­ments are added to the por­tal, you will receive a noti­fi­ca­tion e‑mail.

      Authen­ti­ca­tor Down­load at:

      Login to the cus­tomer portal:

      Authen­ti­ca­tor Down­load at:

      Request access to the portal










        Do you have any ques­tions?
        We are here for you.


        Tel./tél.: +41 61 716 11 15
        E‑Mail: info@wmc.ch

         

        Benöti­gen Sie Zugänge für weit­ere Per­so­n­en?
        Then please use the form on the left.

        Broker Security Forum Handbook

        The Bro­ker Secu­ri­ty Forum on 19 August 2024 with around 50 par­tic­i­pants was the start of a series of secu­ri­ty events in the sec­ond half of 2024.

        Here you will find the links to all pre­sen­ta­tions and fur­ther infor­ma­tion via the pre­sen­ta­tion below.

        All links in the hand­book are safe and may be clicked on.

        Registration Userday 24

        Bro­kerStar User­day ’24
        Thurs­day, 20 June 2024

        Reg­is­tra­tion   Please until Tues­day, 18 June 2024, 17.00 h


        I would like to take part in the event.
        (Please fill in a sep­a­rate reg­is­tra­tion form for each participant)

        Date: Thurs­day, 20 June 2024. 13.30 — 17.00 h
               

        The event will take place as a web­cast with live trans­mis­sion of the pre­sen­ta­tions. You can also join in only for the top­ics you are inter­est­ed in. You will receive the access link once you have registered.

        My con­tact details


          All about the new Bro­ker­Star pre­sent­ed by the WMC team

          inde­pen­dent

           

          dig­i­tal

           

          net­worked

           

          Mod­er­a­tion: Thomas Bürki