A useful MCP server for Swiss household-employment questions should do more than return a rule: it should show who issued the rule, when it applies, where it applies, and what facts are still needed. That matters for questions such as whether a cleaner must be registered, which payroll procedure may apply, and what accident insurance is required. Keep federal rules distinct from canton-specific requirements, and never present an outdated wage figure as current.
What should the server answer—and what should it ask first?
Households may ask, “Do I have to register my cleaner in Switzerland?” or “Do I need to pay AHV for a cleaner who only comes a few hours?” The answer depends on the real working arrangement, not simply on the label the household and worker use. Before applying a rule, the server should collect the facts that can change the result:
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- The canton where the work takes place.
- The task being performed and whether the work is recurring or occasional.
- Expected pay and the period it covers.
- The worker’s age, when a young-worker exception could be relevant.
- Expected hours per week for this employer.
- Any cross-border work, residence, or employment facts.
If a user has not provided a necessary fact, ask rather than infer it. Give general information, then route uncertain worker-status or eligibility questions to the competent compensation office, tax authority, or migration authority, as appropriate.
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Can a few hours of paid household work create an employment relationship?
Yes. Paid domestic work can create an employment relationship and social-insurance obligations even when the pay is small. A contract may be oral or written; SECO’s official payroll guide states, “Der Arbeitsvertrag kann mündlich oder schriftlich abgeschlossen werden” (“The employment contract may be concluded orally or in writing”), and recommends written terms for clarity. A contract can arise when an employer accepts work over time that would ordinarily be performed for pay.
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Classification depends on the actual circumstances. Calling a cleaner or babysitter self-employed in an agreement does not, by itself, settle the worker’s status. If the facts are mixed or unclear, the competent authority decides. The server should explain that distinction rather than treating a chosen label as proof.
Does low pay remove AHV contributions?
Do not tell household employers that low pay automatically removes AHV obligations. The Federal Social Insurance Office (FSIO/BSV) describes domestic-worker AHV contributions as due even below CHF 2,500 in annual pay; that page marks the statement as the 2025 position. This is not a universal threshold for every sector.
SECO’s current payroll guide describes a narrow exception for certain household workers aged 25 or younger who receive no more than CHF 750 per calendar year from an employer. Because the precise age and calendar-year conditions matter, automated advice should verify them against the underlying guidance. Route edge cases to the compensation office rather than deciding eligibility from an incomplete description.
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When can a household use simplified accounting?
SECO describes simplified accounting as a voluntary procedure for short or low-volume employment, including work in private households. Its published eligibility limits are CHF 22,680 in annual pay per employee and CHF 60,480 in total annual payroll for the employer. These are SECO limits on its current guidance reviewed in 2026. For an employee hired for less than a full year, assess pay over the actual employment period rather than annualizing it.
All employees must be accounted for under the simplified procedure. It is unavailable to corporations and cooperatives, and cross-border exceptions can apply. An MCP server should not mark an employer eligible until it has collected pay, employment-period, legal-form, and relevant cross-border details; the compensation office should decide unclear cases.
Simplified accounting versus ordinary payroll
| Question | Simplified accounting | Ordinary payroll |
|---|---|---|
| Eligibility | SECO’s published limits are CHF 22,680 annual pay per employee and CHF 60,480 total annual payroll; other restrictions and exceptions apply. | No comparable limits are stated in the cited simplified-procedure guidance. |
| Withholding tax | The procedure combines social contributions and withholding tax. SECO describes a unified 5% rate that includes direct federal and cantonal tax and applies to Swiss and foreign workers under the procedure. | Withholding-tax handling outside the procedure depends on the case; the cited sources do not establish a general rate or process. |
| Contribution payment frequency | Contributions are paid annually under the procedure. | Frequency is not stated in the cited sources. |
| Accident insurance administration | The 2026 application says a household employer may arrange compulsory accident insurance through the compensation office using the “plus” option. | The cited sources do not specify a general administration route. |
| Restrictions | Not available to corporations or cooperatives; cross-border exceptions apply, and all employees must be accounted for in the procedure. | The cited sources do not list equivalent restrictions. |
SECO states that registration for the simplified procedure must be made within 30 days of the employment relationship starting. That deadline appears in the January 2026 application. The server should preserve that date’s context and link users to the current application and their compensation office rather than imply that the procedure is mandatory or universally available.
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What accident insurance does a household employer need?
Household staff, including private-household cleaners, are within compulsory insurance for occupational accidents and occupational illness. The Federal Office of Public Health says that employees who work an average of at least 8 hours per week for the same employer are also insured for non-occupational accidents. The hours condition is tied to each employer; the server should not aggregate hours across different households.
The simplified-procedure application says household employers may arrange compulsory accident insurance through the compensation office with the “plus” option. For other arrangements or a specific worker’s coverage, direct the user to the relevant compensation office or insurer.
How should the server handle the 2026 domestic-worker minimum wage?
It should not return an hourly amount unless it has verified the current applicable wage table. SECO announced on 5 December 2025 that the federal domestic-work standard employment contract was extended by three years and minimum wages increased by 2%, effective 1 January 2026. The announcement confirms the change but does not state the resulting wage amounts.
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An older SECO caregiver information sheet lists gross hourly rates of CHF 19.20, CHF 21.10, and CHF 23.20 for specified qualification categories. Those are historical figures from a 2021 sheet, not verified 2026 rates. Do not show them as current or calculate a replacement by applying the announced percentage without checking the official wage table.
Federal rules also do not eliminate canton-specific checks. SECO’s overview notes that Geneva has its own domestic-worker minimum wage. Ask for the canton and link to that canton’s official guidance; do not supply a cantonal amount unless its current official source has been checked.
How can an answer show the source behind every number?
Store numeric rules as typed, dated data rather than burying them in free-form text. Each answer containing a material number should carry a compact evidence record with:
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- Value and unit, and what the number measures.
- Source owner and document or page title.
- Publication or version date, when available, separately from the rule’s effective date.
- Access or retrieval date and geographic scope.
- Exact source URL and any qualification, exception, or threshold condition.
Useful fields include currency amount, period, threshold type, age condition, weekly hours, canton or federal scope, effective-from date, valid-through date if known, and source ID. Preserve source language and quotation context. When sources conflict, prefer the current primary legal or agency source and surface the conflict instead of silently combining figures. For volatile values, store a review date and flag or expire stale entries.
Keep federal rules, cantonal rules, and historical values separate
A federal rule should be tagged as federal; a canton-specific rule should carry the canton. Store publication date and effective date as separate fields so a new announcement does not get mistaken for an already-effective rule. Historical amounts should remain explicitly historical and should never populate a current-rate answer by default.
SECO reported that 6% of inspected household employers breached mandatory provisions during 2023–2024. The denominator is inspected employers, not all household employers. If the server uses the figure, it should preserve both the inspection period and that denominator.
Should the server recommend a payroll-support service?
Ask for the canton before naming a service. The FSIO identifies Service Check and chèque-emploi as examples of payroll support in some cantons, but their current geographic availability, fees, included services, language support, reporting responsibilities, and accident-insurance arrangements are not established here. Present them only as examples identified by the FSIO, not as nationwide options or endorsements. Explain that an employer may still retain reporting duties and direct the user to verify current terms with the provider and canton.
Quick Recap
Which official sources should the MCP server expose?
- SECO: Simplified accounting procedure — eligibility limits, procedure overview, and treatment described for withholding tax.
- Central Compensation Office/AHV-IV: Application for the simplified accounting procedure (2026) — application details, including the 30-day registration statement and household “plus” option.
- Federal Office of Public Health: Accident insurance — occupational and non-occupational accident coverage.
- SECO: Federal standard employment contracts — federal domestic-work contract information and the 2026 change.
- FSIO/BSV: AHV FAQ — the stated domestic-worker contribution position and examples of cantonal payroll support.
- SECO: Domestic work — federal household-employment guidance and related materials.
- SECO: Caregiver information sheet (2021) — historical rate material; not a source for current 2026 rates.
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