Self-employed professionals · Sole proprietors
Your business,
your income,
your future
Income, business, assets
When your business stops, so does your income
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.
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, so that an unforeseen event in your professional life does not have lasting consequences for your personal finances, or vice versa.
Quick test · 30 seconds
If you could no longer work tomorrow…
- Would your fixed costs be covered for six months?
- Would your family keep its standard of living?
- Would your personal assets be safe from a client’s claim?
Who we work with
Two situations, the same need for clarity
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.
Voluntary occupational pensions and Pillar 3a
Protect your income, build your retirement
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. Together, we analyse:
- Your protection in the event of incapacity for work due to illness or accident, including loss of income and the fixed costs associated with your business.
- Your insurance coverage in the event of disability or death, taking account of your professional and family commitments.
- Whether voluntary affiliation to an occupational pension scheme is appropriate for your situation.
- The use of Pillar 3a, for which the maximum tax-deductible contribution is higher if you are not affiliated with a second-pillar pension scheme.
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.
Liability and business property
Protect your business, preserve your personal assets
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.
Your servicesProfessional indemnity insurance
Professional indemnity insurance covers the financial consequences of errors, omissions or professional failings that cause a loss to a third party.
Incorrect advice, a miscalculated plan, a missed deadline.
Your premises and staffPublic and business liability insurance
Business liability insurance covers bodily injury and property damage caused to third parties by your premises, installations, products or employees.
A client who falls at your practice, damage caused at a third party’s premises.
Your propertyBusiness property insurance
Business property insurance protects the assets used in your professional activity, including transport risks and business interruption losses.
A fire, a theft, a loss that brings your business to a halt.
Two objectives: protecting the assets connected with your professional activity and limiting the potential consequences for your personal assets.
A 360° approach
One point of contact. Specialists for every need.
Your dedicated adviser coordinates the expertise you need to provide an overall view and coherent recommendations across both your personal and professional circumstances. The specialists they rely on work at Assidu itself, which is rare for a broker. This gives you centralised support without requiring you to manage several different advisers yourself.
Your adviser supports you in the following areas
- Your personal situationFamily, home and personal pension planning.
- Your professional activityBusiness liability, professional indemnity, property insurance and occupational pension provision.
- Your private or business property projectsParticularly when acquiring or refinancing real estate.
Depending on your needs, your adviser works closely with
- Our pension specialistsVoluntary occupational pension affiliation, Pillar 3a and retirement planning.
- Our business insurance specialistsProfessional indemnity, business liability, property insurance, cyber risks and other insurance solutions related to your professional activity.
- Our mortgage financing specialistsFor both your business premises and your private property.
Growing your business
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.
- MandatoryOccupational pension scheme (BVG/LPP)
Affiliation becomes mandatory once an employee's annual salary exceeds the applicable statutory entry threshold.
- MandatoryAccident insurance (UVG/LAA)
Mandatory for employees, and can be supplemented by additional accident insurance.
- Generally voluntaryDaily sickness allowance insurance
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.
Check-up for self-employed professionals
Take stock of your protection
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.
- Your requestTo request your check-up, complete the form. We will then contact you to understand your needs in greater detail and arrange an appointment.
- The reviewDuring this meeting, we review your situation and existing insurance coverage with you.
- The recommendationsWhere opportunities for improvement are identified, we provide concrete, prioritised recommendations tailored to your circumstances.