Profile · Self-employed & Businesses

Self-employed & Businesses

Whether you work alone or with a team, your protection, that of your employees and that of your business must be considered as a whole.

Income cover in the event of incapacity

Your first safety net.

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In the event of illness or an accident, your income may be cut off suddenly, whilst your personal and professional expenses continue.

We analyse your income, your expenses, your financial reserves and your existing cover to determine a sum insured, a waiting period and a benefit payment term tailored to your situation.

Professional liability

A real liability.

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An error, omission or damage caused in the course of your business may give rise to professional liability. Without suitable cover, the financial consequences can be significant and may affect your personal assets if you are a sole trader.

In some sectors, this cover may be required by law, a professional body, a client or a contract. In others, it is often recommended. Depending on your business, professional legal protection may also be available in certain disputes and cover part of the legal costs, subject to the terms of the policy. Specific cover – such as cyber, equipment, tools or goods in transit – may also be considered. We assess your exposure before making a recommendation.

Accident cover: LAMal, optional LAA or LCA

Cover tailored to your status.

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As a self-employed person, you are not automatically covered by compulsory accident insurance under the LAA. Depending on your situation, treatment costs may be covered by accident cover under the LAMal; optional insurance under the LAA may be considered if the eligibility criteria are met; or private cover may be provided through a contract under the LCA.

Where LAA cover is in place, supplementary insurance governed by the LCA may enhance certain benefits, depending on the policy: hospitalisation, daily allowances, cover for earnings exceeding the maximum insured amount under the LAA, or additional lump-sum payments in the event of disability or death. We compare the options based on your status, your income, your existing cover and the risks associated with your business.

Pension provision & Pillar 3a

Building what isn’t automatic.

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As a self-employed person, you are not automatically affiliated with an occupational pension scheme under the LPP. Retirement, loss of earning capacity, disability and protection for your loved ones must therefore be organised according to your needs and your ability to save.

Pillar 3a is a key tool for planning for your retirement whilst reducing your taxable income within the legal limits. Depending on the solution you choose, it can also include cover in the event of loss of earning capacity, disability or death. We help you structure a solution tailored to your goals, your budget and your family situation.

Family protection

Protect your family too.

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When your household income depends on your business activity, a prolonged inability to work, disability or death can have direct consequences for your loved ones and your financial commitments.

We analyse your family situation, your financial obligations, any debts you may have and the benefits you are already entitled to, in order to identify the cover that is truly a priority.

Starting out

Are you starting your own business?

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Recognition of self-employed status, choice of legal structure, social security contributions, tax, business address or accounting management: starting a business raises several questions that need to be addressed in the right order.

We work with you to structure your insurance and pension needs and put you in touch with selected partners when legal, tax or accounting expertise is required.

Frequently asked questions

What you may be wondering

There is no single order that applies to all self-employed people. From the outset, there are generally four areas to consider: maintaining your income in the event of a break in work, your professional liability, your accident cover and planning for your retirement, particularly through Pillar 3a. The priority and level of cover depend on your business, your expenses, your financial reserves and your budget. Pillar 3a can be set up as soon as your savings capacity allows, with a contribution level that is consistent with your income and sustainable over the long term.

The sum insured must be determined based on the income to be protected and the personal or professional expenses that would continue in the event of a work stoppage. The waiting period corresponds to the time during which you must be able to cover your own expenses before benefits begin. Daily sickness allowance insurance can be taken out under the LAMal or the LCA. The eligibility criteria, any restrictions or exclusions, the amount of benefits, the waiting period and the duration of cover must be compared before making any decision.

Your business rarely develops in a linear fashion: fluctuations in income, new clients, greater commitments, hiring an employee or setting up a limited company (SA) or a limited liability company (Sàrl). These changes can alter your needs and, in some cases, your status under social insurance schemes. It may therefore be necessary to review the sum insured under your loss of earnings cover, the limits of your civil liability cover, your accident cover, your Pillar 3a contribution strategy or the insurance cover relating to your employees. We can help you reassess your cover at key stages in your business’s development.

Pillar 3a allows you to gradually build up retirement savings whilst benefiting from a tax deduction. In 2026, a self-employed person not affiliated to a pension fund can contribute and claim a tax deduction of up to 20 per cent of their income from gainful employment, up to a maximum of CHF 36,288 per year. If they are affiliated to a pension fund, the deductible limit is CHF 7,258. Depending on the solution chosen, Pillar 3a can also include cover in the event of incapacity to work or death. It thus allows savings, tax planning and protection to be combined within a single strategy. Other solutions may be considered as a supplement where the self-employed person’s circumstances warrant it.

Ready to structure or strengthen your protection?

A no-obligation initial consultation.

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