Insurance for self-employed people. On the safe side, both professionally and privately.

In the life of an entrepreneur, there is often considerable overlap between the professional and private. Efficiency pays off in every area of life, as all self-employed people know. The same is true of insurance and pensions – for yourself, your family and your business.

To obtain optimal cover as a self-employed person, it is worth looking at your work and private insurance and pension situations together. In this way, the ideal solution can also be found at the interfaces between your private life and your business.

An entrepreneur's personal risk situation is made up of many components – in principle, of the totality of their activities. It is therefore essential to think about the optimal insurance and pension cover for your company, your employees, yourself and your family from a holistic perspective. And since every company works differently, every insurance solution is individual. Self-employed people should consider the following questions in relation to their insurance cover:

• What happens if a company car is involved in an accident while being used for private purposes?
• Who will pay if a business laptop is stolen on holiday?
• In my capacity as entrepreneur, do I want to pay for sickness-related absences myself or is it worth taking out group daily sickness benefits insurance that also protects me financially?
• Am I going to save for my retirement privately in pillar 3a or is a pension fund solution the better option?
• Does the pension fund provide sufficient cover for my family, or are there still some gaps in my personal pension coverage?  

How to optimally insure your company against financial risks depends on the work your business performs and its size. Sole proprietorship operating in the service sector? In this case, accident insurance may be sufficient.

However, if you have employees or work in a field that is exposed to certain risks, occupational benefits insurance for your staff and professional liability insurance are mandatory. Alongside the compulsory cover, there are also various voluntary insurance policies that can make sense for self-employed people. Find out everything you need to know here.

If you are self-employed in Switzerland, a few types of insurance are mandatory – depending on the nature and size of your company.

Accident insurance covers you and your employees against the financial consequences of accidents – regardless of whether they happen at work, on the way home or in your free time. A legal requirement for your employees, UVG accident insurance covers treatment costs, daily allowances and pension benefits

As a self-employed person, however, you are not automatically covered by the compulsory accident insurance. You can obtain this insurance from your health insurer or take out a private accident insurance policy with us. Voluntary UVG accident insurance covers 90% of your income in the event of occupational accidents, non-occupational accidents and occupational diseases. With supplementary UVG insurance, you can even increase this cover to 100% of your salary. That way, you and your loved ones will be on the safe side in the event of an accident.

You can insure salaries of between CHF 66,690 and CHF 148,200 in a voluntary UVG policy. Do family members work for your company, too? They can also be included in this insurance. The minimum insurable salary is CHF 44,460. These figures are stipulated by law.

If you have employees, you must insure them in pillar 2. Also known as occupational benefits insurance, this covers benefits in the event of retirement, disability and death. As a self-employed person, you can join your employees' pension fund and take out voluntary insurance.

This covers you and your loved ones against the financial risks if something happens to you. One-person businesses should not leave their pension cover to chance, either.

Our association solution for self-employed people without staff offers comprehensive occupational benefits cover.

Professional liability insurance covers claims from third parties – especially in respect of financial losses – that occur due to professional errors, such as if sensitive customer data is lost while your IT department is setting up a server or a customer trips on a wire at your business and injures herself.

According to the law or certain professional regulations, liability insurance is mandatory for certain professional groups that are exposed to higher professional risks.

These include:

• Lawyers
• Architects
• Engineers
• Doctors
• Insurance intermediaries

This list is not exhaustive. The best thing to do is to have your requirements analysed by our experts.

Although professional liability insurance is not mandatory for all other professional groups, it is nevertheless recommended as a form of protection against damage claims. 

Neben der obligatorischen Absicherung gibt es für Selbstständige auch ein paar Versicherungen, die zwar nicht zwingend sind, aber dennoch sehr empfehlenswert. Hier erfahren Sie, welche das sind.

• Being an entrepreneur involves many risks. To ensure that a legal dispute is not one of them, it is worth taking out legal protection insurance.
  
  Be it unpaid bills, delivery problems or trouble with employees, this insurance protects self-employed people from incurring high costs in the event of legal conflicts and is an ideal complement to professional liability insurance.
  
  With the optional legal protection for contracts and MultiRisk add-ons, you are covered with regard to the most important legal matters. 

• In most cases, it is worth closing the final pension gaps in your AHV/IV provisions and your pension fund via a pillar 3a solution. In this way, self-employed people can obtain optimal cover for themselves and their loved ones for the risks of retirement, disability and death. A personal pension analysis will reveal any gaps in your retirement provision.
  
  Depending on their income, owners of sole proprietorships can set aside up to CHF 36,288 per year in pillar 3a for themselves and their family. Entrepreneurs with a pension fund solution can pay a maximum of CHF 7,258 per year into pillar 3 (as of 2026).

Cyber attacks can affect anyone – including the self-employed. A single incident can endanger customer data or even bring your company to a standstill. With our cyber insurance, you have optimal protection against the financial consequences of cyber attacks, as well as against loss of data and online fraud.

Not every self-employed activity involves the same risks, so the insurance cover should be adapted to your individual needs. If you have offices or a warehouse, commercial insurance is essential. This covers buildings, installations and inventories against loss or damage caused by fire, water, glass breakages, inadequate hygiene or theft, and helps you to get your operations up and running again.

All companies that transport or deliver goods should take out transport insurance, which will cover loss and damage that occurs during the goods' journey to the customers. And if you have more than five company vehicles, fleet insurance will keep you mobile in the event of a breakdown.

Anyone venturing into self-employment in Switzerland should insure themselves against certain risks. Be it professional liability, occupational benefits or accident insurance, different types of insurance are mandatory depending on the company form and sector.

In addition to compulsory insurance, there are also various forms of voluntary insurance that are highly recommended. The best way to find out what insurance makes sense for your company is via an individual needs analysis.

We will advise you in person on how to optimally insure staff, buildings, machines or materials. With advice from Allianz, self-employed people get everything from a single source – so that you can concentrate on your core business.