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Service compliance guide
Engaging Cleaning and housekeeping in your home makes you a household employer, with the same core duties as any domestic role: registration, social contributions, accident cover and proper pay. A few points are specific to this type of help.
Whatever the task, the framework is the same: register with your cantonal AHV compensation office (contributions are due from the first franc), pay AHV/IV/EO at 5.3% each and ALV at 1.1% each plus the canton-set family-allowance contribution, arrange UVG accident insurance, check BVG and withholding-tax eligibility, and issue a year-end Lohnausweis. Part-time Cleaning and housekeeping usually fits the simplified settlement procedure — up to CHF 22,680 a year per employee and CHF 60,480 total payroll, with tax at a flat 5%.
In a private household, someone you engage to work for you is almost always your employee — even if they also work for other families, because each household is a separate employer. Genuine self-employment is recognised only when the compensation office confirms it: the person works under their own name and account, carries the business risk, and typically serves several clients with their own equipment and invoicing. Until the office has confirmed self-employed status, treat Cleaning and housekeeping as employment and settle contributions accordingly.
Most cleaning and housekeeping help is part-time and paid by the hour, which fits the simplified settlement procedure neatly. One distinction matters: if you engage a cleaning company that sends staff and invoices you (with VAT), that company is the employer, not you. If instead you arrange directly with the person who cleans your home, you are the employer and must settle their contributions — the employee-or-self-employed test above decides which case you are in.
On top of the gross wage you add the employer's first-pillar contributions — 5.3% for AHV/IV/EO and 1.1% for ALV — plus the canton-set family-allowance contribution and the accident-insurance premium, together roughly 8–10% of gross. A wage below CHF 22,680 a year carries no occupational pension (BVG), and below that figure per employee the simplified procedure with its flat 5% tax is available. The family-allowance rate (by canton) and the accident premium (by insurer) are the variable lines, so treat those as approximate; AHV at 5.3% and ALV at 1.1% are fixed.
Helpore matches you with verified helpers for Cleaning and housekeeping, enforces the applicable wage floor, and takes care of the household-employment administration — registration support, payroll allocation, insurance and documents — so you can focus on the help itself.
Yes — the core household-employment duties are identical for Cleaning and housekeeping. The differences are mostly hours and pay: below CHF 22,680 a year there is no BVG, and non-occupational accident cover applies from 8 hours a week.
Yes, when the wage stays within the limits — up to CHF 22,680 a year per employee and CHF 60,480 total household payroll — with income tax discharged at a flat 5%.
Not automatically — working for several households usually means being an employee of each one. Self-employment counts only when the compensation office has formally recognised it, so each family normally registers and settles contributions for the hours worked for them.
Helpore registers the employment, allocates payroll, arranges insurance and produces the documents — so the compliance steps below are taken care of for you.