What happens if you can no longer work?
Accident, illness, incapacity to earn: health insurance for the self-employed pays for care, not your invoices. We review loss-of-earnings cover and individual health insurance to protect your income.
Your professional liability
Error, damage to a client, dispute or sensitive mandate: we check the professional liability insurance that is truly useful for your self-employed activity.
Your retirement will not prepare itself
Without an employer, pension planning for independents and entrepreneurs must start early: pillar 3a, voluntary occupational pension or tailored professional pension solutions.
Self-employed insurance priorities
Income, professional liability, health, equipment and self-employed pension planning.
- Trade Equipment and premises Means of production
- Critical Professional liability Errors toward clients
- Base Loss of earnings Replace business income
Without an employer, there is no automatic safety net.
Where should a self-employed professional start?
The starting point is not a list of insurance policies, but your situation: income to protect, clients, premises, equipment, contractual obligations, family and plans. Finwise connects your professional activity, income protection and retirement planning into one clear view.
In Switzerland, insurance for the self-employed is mostly individual insurance: you do not inherit an employer’s collective safety net. Three blocks almost always come up: health insurance for independents (health fund), professional liability insurance for the self-employed, and Swiss pension planning for independents.
Health, professional liability and pension planning for independents
Individual health insurance for the self-employed is mandatory in Switzerland, as for any resident: you choose your health fund for independents, without an employer collective contract. Health insurance for the self-employed covers care; if you stop working, loss-of-earnings cover (illness / accident) protects turnover.
Professional liability insurance for the self-employed applies if an error, disputed advice or damage to a client triggers your liability. Mandates often require it, even with a small structure. It does not replace private liability, and vice versa.
Pension planning for independents (also called entrepreneur pension planning) is not automatic: there is no employer 2nd pillar. Tailored occupational pension planning for independents can combine voluntary LPP, pillar 3a (higher ceiling without LPP) and risk cover. See Swiss pension solutions for the self-employed.
Our method for self-employed professionals
We clarify your status, activity, income, clients and contractual constraints.
We separate what concerns you personally, your activity, your property and your pension planning.
We compare useful offers with a clear reading of limits, deductibles and exclusions.
We adapt cover when your income, mandates, premises or employees evolve.
Common pitfalls we help you avoid
Self-employed professionals often mix private and professional insurance. The problem appears when a claim falls between two policies: income not protected, equipment poorly declared, private liability insufficient or independent pension planning postponed for too long.
I am already insured: should everything be reviewed?
Yes, but not necessarily everything needs to change. We check your existing policies, deadlines and gaps. Then we show you what can be kept, adjusted or replaced at the right time, without interruption in cover.
We compare solutions adapted to your activity
We work with several recognized partners to compare benefits, premiums, exclusions and conditions. You receive a clear recommendation for self-employed insurance: profession, income, health fund, professional liability and ability to absorb an unexpected event.
Access useful pages for self-employed professionals
Start with the risk that matters most to you today. If you already have a policy, send it through the form: we can give you an opinion and prepare a comparison.