AMPS: Switch amps are like FUSE amps.. You put a 20 amp switch in a 30 amp circuit and it's a fuse. only it may not blow fast enough to avoid starting a fire.
Volts .. Well in a Resistive circuit volts need to be equal or greater than supply voltage. A 12 volt switch may arc over if hooked to say a 120 volt line.. and again. FIRE is possible.
MOTOR RATED.
A motor starting draws way more than it does running, I will use a 1HP 120 volt motor as my example.
Let's say that it draws 10 amps (Should be less but we will make it a non-eficient motor) running.
May draw 50 or more starting (For a very short time) Switch has to be "Slow blow" as it were. (So should the fuse)
And when you shut it off the inductive "kick" can easily break 1000 volts.