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Insurance for Private Clients

Comprehensive insurance protection for you and your family. As an independent broker, Northlake Partners compares offers from leading Swiss insurers to find the optimal solution – from mandatory health insurance to high-value asset protection.

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Health Insurance (KVG/VVG)

The Swiss health insurance system consists of mandatory basic insurance under KVG and voluntary supplementary insurance under VVG. Northlake Partners compares premiums, deductible models and supplementary benefits from all approved health insurers to ensure you receive the best value without compromising on quality of care. Whether you need enhanced dental coverage, private or semi-private hospital wards, or complementary medicine benefits – we assemble a health insurance package tailored to your medical needs and budget.

Life Insurance

Life insurance provides essential financial security for your family while also serving as an effective tool for long-term savings and retirement provision. We advise on term life insurance for pure death benefit protection, endowment policies with guaranteed capital accumulation, and savings contracts linked to Pillar 3a and 3b. Northlake Partners evaluates surrender values, guaranteed interest rates and surplus participation across providers to recommend the policy that best matches your financial goals and family situation.

Household & Personal Liability

Household insurance protects your personal belongings against theft, fire, water damage and natural hazards, while personal liability insurance covers you against third-party claims for damage you cause. We also arrange glass breakage insurance and extensions for valuables stored outside the home. Northlake Partners reviews your existing policies, identifies coverage gaps, and negotiates competitive terms to ensure your home and personal assets are comprehensively protected.

Motor Vehicle Insurance

Whether you drive a family car or a high-performance vehicle, the right motor vehicle insurance is essential. We arrange mandatory liability insurance, comprehensive and partial coverage for cars and motorcycles, including options for roadside assistance, parking damage and bonus protection. Northlake Partners compares premiums and claims conditions across all major Swiss motor insurers to find the optimal balance of cost and coverage for your vehicle.

Travel Insurance

Frequent travellers and holidaymakers alike benefit from reliable travel insurance covering medical emergencies abroad, trip cancellation, luggage loss and repatriation. We offer both annual multi-trip policies and single-trip coverage tailored to your travel patterns. Northlake Partners ensures your policy includes adequate limits for medical expenses, covers pre-existing conditions where possible, and provides 24/7 worldwide emergency assistance.

Disability & Accident Insurance

A serious accident or illness that prevents you from working can have devastating financial consequences. Disability and accident insurance provides daily allowances, loss of income compensation and lump-sum benefits in the event of permanent disability or death. We analyse your income, existing social security entitlements and personal obligations to determine the appropriate level of coverage, then source the most competitive terms from leading Swiss insurers.

Art & Collections

Fine art, antiques, wine cellars and musical instruments require specialist insurance that reflects their true market value and unique risk profile. Standard household policies rarely provide adequate coverage for high-value collections. Northlake Partners works with specialist insurers to arrange all-risks policies covering damage, theft, transit and restoration – with agreed valuation clauses that eliminate disputes in the event of a claim.

Jewellery & Watches

High-value jewellery and luxury watches deserve dedicated insurance covering loss, theft, damage and mysterious disappearance both at home and while travelling. We arrange all-risks coverage with agreed valuations, ensuring each piece is insured at full replacement value. Northlake Partners coordinates professional appraisals and works with specialist insurers experienced in covering significant jewellery and watch collections.

Premium Property

Luxury properties, holiday residences and properties undergoing major renovation require insurance that goes beyond standard building coverage. We arrange tailored property insurance that accounts for high reconstruction costs, architectural features, landscaping and temporary accommodation during repairs. Northlake Partners ensures your premium properties are protected against fire, natural hazards, water damage and liability risks – with coverage limits that reflect the true value of your property portfolio.

Yacht & Aviation

Owning a yacht or private aircraft brings complex insurance requirements spanning multiple jurisdictions and regulatory frameworks. We place hull and machinery insurance, liability coverage, crew liability and passenger liability through specialist marine and aviation markets. Northlake Partners has the expertise to navigate these niche areas and ensure your vessels and aircraft are covered for all operational, mooring and transit risks.

Cyber & Identity Protection

In an increasingly digital world, individuals face growing risks from identity theft, online fraud, cyber extortion and data breaches. Personal cyber insurance covers financial losses, legal costs and the expenses of professional data recovery and credit monitoring. Northlake Partners helps you select a policy that provides effective protection against the ever-evolving landscape of digital threats, safeguarding your personal information and financial accounts.

Speak with our insurance specialists

Whether you want to optimise your personal insurance coverage or protect high-value assets – our team is ready to find the right solution for you.

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