# grape
> Digital employee insurance MGA with automated HR and payroll integration
## At a glance
| Field | Value |
| --- | --- |
| Type | MGA |
| Region | EMEA |
| Headquarters | Zurich, Switzerland |
| Founded | 2021 |
| Employees | 11-50 |
## Overview
grape Insurance AG is a Swiss MGA offering group employee benefits insurance -- including sickness daily benefit (Krankentaggeld/KTG), accident (UVG/UVGZ), and occupational disability (BVG) coverage -- distributed through Swiss HR departments and brokers. Founded in November 2021 by Gregory Inauen and Fabian Mächler, both ETH Zurich graduates, the company targets SMEs and larger enterprises seeking to reduce the administrative overhead of managing employee insurance.
The MGA underwrites its programs using capacity from Quantum Leben, a Liechtenstein-based carrier with a solvency ratio above 170%. Coverage includes 100% income replacement from day one of illness, with automated absence documentation and direct payroll integration replacing the traditional paper-based claims process.
grape's platform integrates with more than 50 HR, accounting, and payroll systems -- including Workday and Sage -- to automate absence tracking, claims routing, and regulatory reporting. As of 2024, the company reports more than 30,000 insured employees and more than CHF 2.5 billion in insured annual salaries, with over 1,000 claims processed annually.
## Products & services
### Sickness Daily Benefit Insurance \(Krankentaggeld/KTG\)
Core product providing short-term absence coverage from day one of illness, with 100% income replacement. Designed for companies with annual payrolls above CHF 20 million.
**Key features:**
- Coverage from day 1 through day 30, 60, or 90 of illness
- 100% income replacement during covered absence periods
- Automated absence documentation and payroll posting
*Target users:* Swiss SMEs and larger enterprises
*Distribution:* Direct to employers and via Swiss insurance brokers
### Accident Insurance \(UVG/UVGZ\)
Mandatory and supplementary accident coverage for Swiss employees, integrated with the same digital claims and HR automation platform.
**Key features:**
- Mandatory occupational and non\-occupational accident coverage \(UVG\)
- Supplementary accident coverage \(UVGZ\) for extended benefits
- Integrated digital claims filing and payroll adjustment
*Target users:* Swiss employers of all sizes
*Distribution:* Direct and via brokers
### Occupational Disability Insurance \(BVG\)
Pension and disability insurance covering long-term incapacity, integrated with employer HR platforms.
**Key features:**
- Long\-term disability and retirement savings coverage
- Automated regulatory compliance reporting
- Integration with existing payroll and HRIS platforms
*Target users:* Swiss employers
*Distribution:* Direct and via brokers
## Links
- Website:
- Directory profile:
- About:
- Careers:
- Linkedin:
- Platform:
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*Last updated: 2026\-05\-17*