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Reviewing Your Cover

Becoming Self-employed

Understanding what changes when employer protection no longer applies in the same way.

Moving into self-employment can bring freedom, but it also changes the way protection is organised.

Cover that was previously handled through an employer may need to be reviewed or replaced with private arrangements.

01

Employer benefits may disappear or reduce.

Accident insurance, salary continuation, occupational pension benefits and disability protection can look very different once you work for yourself.

The transition is a useful moment to map what you had before and what remains after the change.

02

Income protection becomes central.

For self-employed people, an illness or accident can affect both personal income and business continuity.

Protection should be considered in relation to fixed costs, dependants, savings and the time it would take to recover financially.

03

Plan the structure early.

Insurance questions are easier to resolve before the new activity is fully underway.

We help self-employed clients build a clear protection structure around health, accident, income, pension and family responsibilities.

Further guidance

Continue exploring expat topics

These sections connect the main questions internationally mobile clients usually need to review before choosing or adjusting cover.

A question about your life in Switzerland?

We would be pleased to help you understand your options and make decisions with greater confidence.