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Professional self-employment brings a great deal of freedom, but also certain challenges and risks. Suddenly there’s a bit more pressure and responsibility. Longer outage periods, unforeseen legal difficulties or damaged equipment can quickly pose a financial challenge. Reliable and comprehensive insurance protection is therefore crucial for the self-employed. With it, you’re able not only to react immediately, but also to plan your business future over the long term.
AXA is there for you in the worst case scenario: our insurance products for the self-employed are specifically designed for your business risks. The aim is to protect the existence of your business over the long term.
Insurance is taken out to cover you against anything that could throw you off course in your self-employment. Regardless of whether it’s a fire in the warehouse, a coffee on the company laptop or a sickness absence of several weeks, insurance for the self-employed offers protection against risks that may threaten the existence of your business and its future.
When choosing insurance cover, you should therefore ask yourself: what risks are my business and self-employment exposed to, and which of these risks can I or do I want to bear on my own?
There are very few types of insurance that are compulsory for the self-employed, and these mainly concern insurance for employees. Business owners are free to choose any other kind of insurance cover. However, some types of voluntary insurance are essential when it comes to protecting your business against existence-threatening risks.
These types of basic insurance protect you against lasting negative consequences if you suffer a business mishap or stroke of bad luck.
Expand your insurance coverage in line with your individual needs. The following are some of the most common types of insurance needed:
Unforeseen events such as business mishaps, legal disputes, delayed payments from customers or sudden work absences can quickly become serious challenges. These not only endanger your financial stability, but can also threaten the existence of your self-employment.
The following are the most common risks to occur in self-employment:
But how you can you protect yourself against these risks? The key lies in prevention and the right cover. A combination of legal, financial and insurance-based measures can help your self-employment stand firm, even in difficult times.
Find out more in our blog entitled “The greatest risks for the self-employed”.
Social security insurance is compulsory. It protects Swiss residents against risks and secures their financial existence. Employees and the self-employed make financial contributions.
The compensation funds and, in certain cases, the Swiss National Accident Insurance Fund (Suva) determine whether a person is classified as self-employed from a social security perspective.
The following types of social security insurance are compulsory for the self-employed:
The most important types of business insurance for the self-employed include:
Depending on the type of company and sector, many self-employed also choose the following cover:
Self-employed people in Switzerland cannot register with the state unemployment insurance program (UI), so they’re not insured against unemployment.
Certain responsibilities also accompany the freedom and flexibility of being self-employed. But what happens if you get sick?
Becoming self-employed can lead to worries about long-term financial security. A Pillar 3a pension plan is a good way to dispel them.
How much starting capital do I need to become self-employed? What ongoing costs can I expect? We answer the most important financial questions here on self-employment.
