As an independent, you have specific needs in regard to insurance. Your coverage must be adapted to your professional activity. While some insurances are optional, others are compulsory. Depending on your area of activity, you will thus have a legal obligation to insure against risks involving your professional or medical liability. With the help of our network of partners, we can direct you to the best solutions in terms of benefits and costs.
These solutions are destined to those who practice a liberal profession: lawyers, doctors, therapists or other paramedical professionals, fiduciaries, asset managers, etc.
Our knowledge of the market, and also of the specific requirements of your profession, allow us to select the best insurance products specifically designed for your profession and to offer them to you on preferential terms.
Professional liability insurance is compulsory for professions carrying an increased risk of causing strictly monetary damages. This includes, for example, counselling professions such as lawyers and tax advisors, as well as architects and engineers. Professional liability insurance protects you against the financial consequences of damage claims and defends you from unjustified claims. Through our network of specialised partners, we will find you the solution best adapted to your profession.
As all professional activities are liable to cause material or personal injuries to someone some day, corporate liability insurance is highly recommended for independents, in addition to professional liability insurance. Corporate liability insurance covers you in the case of damages caused to a third party by your infrastructure (premises, installations), your activity or your products or services. This coverage will protect you from the financial consequences, which are sometimes very high, for this type of incident.
So that your activity is not shut down in the case of an unforeseen event, a commercial or property insurance is strongly recommended. The equivalent to household insurance for individuals, commercial insurance covers all your movable goods, medical equipment, IT equipment, etc., against fire, natural events, theft, water damage, earthquakes, damage and operating loss.
It is sometimes difficult to know all the laws and to follow their constant evolution. A dispute may arise and, in the end, lead to heavy financial consequences. Professional legal insurance is the best way to guard against these setbacks while having the support of legal professionals.
The greatly increased use of interconnected IT devices has also increased the risk of cybercrime and, for you, the loss or disclosure of your clients/patients’ confidential data. With a cyber insurance, you are protected from the multiple expenses linked to damage analysis, data recovery or the payment of indemnities.
As an independent, have you thought about hedging yourself against the hazards of life? We are here to guarantee your income throughout your working life and to plan financially for your retirement.
Do you have a project you want to develop, or do you need to invest in equipment? We have the solution to turn your ambition into reality.
It is in the interests of companies to evaluate the work climate regularly in order to assess its real impact on their performance. By integrating appropriate survey tools, they will be able to identify strong points and areas for improvement, while fostering a culture of care and engagement. In this way, surveys become a real strategic lever to enhance employer branding. An explanation from Lucas Roveda, Training Consultant at Ismat Group.
Personal pension planning and life insurance are much more than an investment: they are a safety blanket for your family and assets and, if you are an entrepreneur, they ensure the continuity of your business. Here we look at the benefits of some of the different solutions available.
Discover all the key figures relating to insurance and pension
Floods in the canton of Vaud, gale-force winds in the Neuchâtel mountains, a hailstorm in the Valais countryside, and record-breaking heat across the country; Switzerland has experienced extreme weather events that are increasingly severe and frequent, to the extent that insurance capacity for damages caused by natural disasters has become an area of concern.