Integrated risk and pension management for your business
Whether you run an SME or an international group, effective management of risk, insurance and employee pension provision is a strategic priority. It protects business continuity, helps control costs and supports regulatory compliance.
As a trusted external partner, Assidu works with business owners, executive teams, HR leaders, CFOs and Risk Managers. We review your existing arrangements, identify gaps and opportunities for improvement, and develop solutions tailored to your organisation. We benchmark the most relevant providers in the market and remain by your side throughout the relationship, particularly when managing claims.
The benefit for your business: a comprehensive view of your risks, greater control over insurance costs, and a more structured, transparent and effective approach to insurance and risk management.
Insurance
We protect your business operations and assets through solutions including corporate and professional liability, D&O, property insurance, industrial risks and other specialist covers.
Pension provision
We structure your employee pension and personal insurance arrangements – including occupational pensions, accident insurance and supplementary cover – to balance cost control with employer attractiveness.
Why choose an independent insurance broker for your business?
Assidu is an independent, family-owned Swiss insurance brokerage, established in 1979 and registered with FINMA (No. F01460823). For more than 45 years, we have supported SMEs and large international groups in identifying, structuring and managing their risks. From a rigorous review of your existing insurance policies and the optimisation of your employees' occupational pension arrangements to the active representation of your interests when a claim occurs, we design solutions that protect your business over the long term. For SMEs, we can act as an external Risk Manager and provide ongoing support in day-to-day risk and insurance matters. For large companies and multinational groups, we work alongside in-house Risk Managers on international insurance programmes and complex risks.
TRUSTED BY MORE THAN 5,000 COMPANIES
Client testimonials
Yuliya Castelli, Head of Finance and Compliance
Supported by Assidu SA since 2012.
WHAT WE VALUE ABOUT ASSIDU
Personalised advice based on a comprehensive market analysis and tailored solutions that combine financial value with comprehensive risk coverage.
WHY WE CHOSE ASSIDU
Their expertise.
WHEN ASSIDU MADE THE DIFFERENCE
“Luck is when preparation meets opportunity.” On Assidu's recommendation, we had taken out cover against the consequences of epidemics. When we were forced to close due to Covid in 2020, that decision enabled us to receive a significant insurance payment, making a decisive contribution to our company's financial stability.
ASSIDU IN THREE WORDS
Expertise, reliability, vision.
Serena Carlino, Administration and Accounting
Supported by Assidu SA since 2023.
WHAT WE VALUE ABOUT ASSIDU
The direct relationship with our advisers, who take the time to understand the specific characteristics of our business. We benefit from a single point of contact who represents our interests, without having to deal directly with the insurance companies ourselves.
WHY WE CHOSE ASSIDU
The trust we place in our adviser, the clarity of the services provided and the ability to manage all our insurance arrangements through a single point of contact.
WHEN ASSIDU MADE THE DIFFERENCE
During a helicopter operation in Africa, we needed to extend our insurance coverage to several African countries. Our adviser coordinated with the insurers, obtained confirmation of cover within the required timeframe and contributed to the successful execution of the operation.
ASSIDU IN THREE WORDS
Reliable, fast, clear.
Antonietta Morgantini, Administrative Director
Supported by Assidu SA since 2004.
WHAT WE VALUE ABOUT ASSIDU
The speed and professionalism of their support.
WHEN ASSIDU MADE THE DIFFERENCE
Excellent support and advice in identifying an appropriate occupational pension solution.
ASSIDU IN THREE WORDS
Reliability, professionalism and, not least, kindness.
Rosy Mantia, Managing Director
Supported by Assidu SA since 2020.
WHAT WE VALUE ABOUT ASSIDU
Expertise and professionalism.
WHEN ASSIDU MADE THE DIFFERENCE
Assidu is an important partner for our company, even though we have not had to deal with any particular emergency situations to date.
ASSIDU IN THREE WORDS
Professional, reliable, competent.
Sladan Ranic, Director of Administration and Finance
Supported by Assidu SA since 2021.
WHAT WE VALUE ABOUT ASSIDU
Competent, professional, reliable and responsive advice and support, both in the management of our insurance arrangements and in claims handling.
WHY WE CHOSE ASSIDU
Their expertise, the specialist knowledge available across different fields and the scale of their organisation, which ensures continuity in the support we receive.
WHEN ASSIDU MADE THE DIFFERENCE
Since Assidu began managing our insurance portfolio, we have felt supported and confident in every matter. Whatever the question, we always receive a prompt response backed by a very high level of expertise. We also benefit from rigorous follow-up on all important deadlines and administrative requirements.
ASSIDU IN THREE WORDS
Competent, reliable, responsive.
Giorgio Colombo, Chief Operating Officer
Supported by Assidu SA since 2024.
WHAT WE VALUE ABOUT ASSIDU
A serious and reliable partner for managing all our corporate insurance arrangements, supported by competent specialists in both advisory services and claims management.
WHY WE CHOSE ASSIDU
Our twenty-year relationship with our adviser.
WHEN ASSIDU MADE THE DIFFERENCE
Highlighting a single situation would not do the relationship justice.
ASSIDU IN THREE WORDS
Professional, reliable and competent.
Aldo Ragusa, Administrative Secretary
Supported by Assidu SA since 2024.
WHAT WE VALUE ABOUT ASSIDU
Their advisory capabilities across all relevant areas, their negotiating strength with insurers and their transparency throughout the process.
WHY WE CHOSE ASSIDU
A solid organisational structure and shared values.
ASSIDU IN THREE WORDS
Competent, reliable and transparent.
Sara Regazzoni, Member of the Executive Management
Supported by Assidu SA since 2007.
WHAT WE VALUE ABOUT ASSIDU
A single partner for all our company's insurance and occupational pension needs.
WHY WE CHOSE ASSIDU
Their expertise and their ability to optimise both our insurance cover and premium costs.
WHEN ASSIDU MADE THE DIFFERENCE
In the course of our day-to-day activities, we have felt exceptionally well supported on many occasions.
ASSIDU IN THREE WORDS
Competent, efficient and versatile.
Monica Malnati, Group Head HR
Supported by Assidu SA since 2022.
WHAT WE VALUE ABOUT ASSIDU
Their expertise in insurance and occupational pensions, as well as the availability of the team members we work with.
WHEN ASSIDU MADE THE DIFFERENCE
On several occasions, primarily due to the specific characteristics of our organisation.
ASSIDU IN THREE WORDS
Expertise, professionalism, availability.
From risk analysis to claims management
Our 360° approach
Every mandate begins with careful listening and a comprehensive assessment of your situation. We map your risks, compare the market and support your decisions with a clear, structured and long-term perspective.
Phase 1 – Risk analysis
Phase 1 – Risk analysis
Our approach begins with a thorough understanding of your business. We identify vulnerabilities before they result in losses and develop a risk strategy tailored to your organisation.
Risk analysis and
mapping
We analyse your objectives and key activities to identify potential operational, financial, cyber and liability risks.
Insurance coverage review
We assess whether current policies are appropriate, contain unnecessary overlaps or leave gaps that could expose your business to uninsured risks.
Strategy and action
plan
We prioritise the identified risks and determine together which should be transferred to the insurance market, mitigated through preventive measures or consciously retained.
Phase 2 – Risk placement in the insurance market
Phase 2 – Risk placement in the insurance market
With more than CHF 200 million in annual premiums under management and a network of over 80 insurance partners – ranging from general insurers to specialist providers – we have significant negotiating leverage.
We operate as an independent partner across the Swiss and international insurance markets. Our in-house specialists develop solutions aligned with your company's risk profile and negotiate policy coverage, wording and terms directly with insurers.
Market benchmarking and tendering
We approach and compare the most relevant providers, including specialist insurers for niche and complex risks, with the aim of securing competitive technical and pricing terms.
Comparative analysis and transparency
We present the offers received transparently, comparing premiums, benefits and policy terms. Our specialists review and negotiate individual conditions in detail to ensure that the resulting cover reflects your company's actual operations and risk profile.
Implementation, policy issuance and ongoing optimisation
We coordinate the entire process through to policy issuance. Once your policies are in force, we monitor and administer them continuously to ensure consistent management over time.
Phase 3 – Claims management and protection of your interests
Phase 3 – Claims management and protection of your interests
The value of an insurance broker becomes particularly clear when a claim occurs. Our specialists coordinate with insurers and represent your interests throughout the claims process.
Immediate assistance
We help you implement urgent measures, mitigate the loss and compile the documentation required to support the claim.
Proactive claims management and coordination
Our team coordinates loss adjusters, experts and other parties involved and follows each stage of the process to support efficient handling by the insurer.
Representation, settlement and indemnity
We represent your interests firmly and work to secure an appropriate indemnity within the terms and conditions of your insurance policy. Our objective is a prompt and fair settlement that helps preserve business continuity.
Employee Benefits: a strategic advantage for your employer proposition
Occupational pensions and personal insurance are more than a cost item. Properly structured, they can become an important tool for attracting and retaining talent.
Working alongside your HR team, we structure your employees' pension and insurance arrangements. Our role is to coordinate occupational pensions, mandatory accident insurance and daily sickness allowance insurance while taking account of your employment contracts, collective labour agreements and applicable Swiss regulations.
Managing your company's total cost of risk
An effective corporate insurance programme is an integrated framework designed to protect your assets, liabilities and human capital.
We map the risks inherent in your business activities and use this analysis to design integrated insurance solutions that eliminate unnecessary overlaps and address material coverage gaps.
Asset protection
The long-term resilience of your company depends on protecting its assets. Our approach combines protection for physical property with measures designed to safeguard the financial stability of your business when a major event occurs.
Liability and specialist risks
Third-party liabilities and emerging risks are among the most significant exposures facing businesses today. We analyse your operating environment and structure tailored protection for both the corporate entity and the individuals responsible for managing it.
Employee protection – Employee Benefits
Your employees are central to the resilience and growth of your business. We design integrated Employee Benefits solutions combining occupational pensions and personal insurance to protect your workforce while strengthening your position as an employer.
Why choose Assidu as your partner?
With Assidu, you have a single point of contact contact for your insurance and occupational pension requirements. We provide a consolidated view of your costs, coverage and strategic priorities. Through a rigorous assessment of your risks and existing insurance arrangements, we identify unnecessary overlaps and material gaps in protection.
We design coherent insurance programmes aligned with your actual risk exposure and seek to achieve an appropriate balance between premiums and benefits. Beyond policy administration, we support business continuity through proactive claims management and provide management with greater visibility over key insurable risks. We also approach occupational pensions and Employee Benefits from a strategic perspective: a well-structured benefits programme can reduce administrative complexity while strengthening your attractiveness as an employer..
Assess the optimisation potential of your insurance programme
Would you like to identify tangible opportunities to improve your coverage, costs or Employee Benefits? We offer an initial diagnostic meeting free of charge and without obligation. During this discussion, we review your overall situation and determine the most appropriate scope for a detailed insurance audit.
Following the meeting, we provide a tailored audit proposal designed to rationalise your insurance programme, eliminate unnecessary overlaps and optimise premiums and coverage.
News and insights
Abolition of the imputed rental value in 2029: who wins and who loses
How to reduce business risks through an integrated insurance strategy
Employee Benefits: turning pension provision and insurance cover into a competitive advantage
The importance of supplementary accident insurance (UVG/LAA): protecting workers' well-being and financial stability
Occupational pensions: supplementary plans for executives and senior managers
The value of occupational pensions: a strategic opportunity for companies that want to retain staff and attract new talent
Occupational pensions: tax treatment and tax advantages
