Insurance and pension solutions for self-employed professionals
When you are self-employed, your personal income depends directly on the continuity of your business. An accident, a prolonged illness or a claim from a client can have professional, financial and family consequences. Does your current protection adequately reflect these interdependencies?
Assidu SA supports self-employed professionals in Switzerland — including doctors, lawyers, architects, consultants, tradespeople and sole proprietors — in protecting their income, business activities and personal assets. Assidu SA is an independent, family-owned Swiss insurance brokerage, founded in 1979 and registered with FINMA under No. F01460823. We coordinate:
- The analysis of your risks
- Your insurance solutions and your personal and occupational pension provision
Our objective is to reduce the risk that an unforeseen event affecting your professional activity could have lasting consequences for your personal financial situation — or vice versa.
Insurance solutions
At Assidu, you have a dedicated adviser supported by internal specialists in pension provision, business insurance and mortgage financing.
A single point of contact for all your insurance, pension and mortgage financing needs.
Neutral and independent advice based on a network of more than 80 insurance and financial partners.
A focus on clarity, targeted protection and greater cost efficiency.
Protecting your income and assets: voluntary occupational pensions and Pillar 3a
As a self-employed professional, you are not subject to mandatory occupational pension provision and are not automatically covered by mandatory accident insurance under the UVG/LAA. It is therefore your responsibility to structure your protection according to your income, financial commitments and family circumstances.
The objective is to find the right balance between protecting your current income, safeguarding your family's financial security, building retirement capital and making appropriate use of the tax deductions available under Swiss law.
Professional indemnity, public liability and business property insurance
In any professional activity, a claim for damages can have significant financial and reputational consequences.
Assidu analyses your risks and helps you structure coherent insurance coverage with two objectives: protecting the assets connected with your professional activity and limiting the potential consequences for your personal assets.
Professional indemnity insurance
The professional liability insurance covers the financial consequences of errors, omissions or professional failings that cause a loss to a third party.
Public and business liability insurance
Business liability insurance covers bodily injury and property damage caused to third parties by your premises, installations, products or employees.
Business property insurance
Business property insurance protects the assets used in your professional activity, including transport risks and business interruption losses.
Are you hiring your first employees?
Many self-employed professionals start out on their own and subsequently grow their business by hiring employees. This creates new statutory obligations and insurance requirements:
- Affiliation with an occupational pension scheme (BVG/LPP) becomes mandatory once an employee's annual salary exceeds the applicable statutory entry threshold.
- Accident insurance under the UVG/LAA is mandatory for employees and can be supplemented by additional accident insurance.
- Daily sickness allowance insurance is generally voluntary but can help finance continued salary payments during an employee's incapacity for work and protect your business's liquidity.
Our occupational pension specialists can help you:
Put the mandatory insurance and pension arrangements in place for your employees.
Assess whether supplementary insurance coverage or more extensive occupational pension plans would be appropriate.
Coordinate these solutions with your own pension planning, income protection and the financial needs of your business.
A 360° approach
One point of contact, supported by internal specialists for every need
Your dedicated adviser coordinates the expertise you need to provide an overall viewand coherent recommendations across both your personal and professional circumstances. This gives you centralised support without requiring you to manage several different advisers yourself.
Request your check-up for self-employed professionals
Our dedicated check-up for self-employed professionals provides a structured review of your income protection, the exposure of your personal and business assets, your pension provision and the insurance and pension solutions in place for your employees.
To request your check-up, complete the form. We will then contact you to understand your needs in greater detail and arrange an appointment.
During this meeting, we review your situation and existing insurance coverage. Where opportunities for improvement are identified, we provide concrete, prioritised recommendations tailored to your circumstances.
Request your first complimentary review for self-employed professionals.
