As an independent insurance brokerage, Northlake Partners compares offers from leading Swiss insurers to secure the best insurance coverage for both private clients and businesses. From mandatory health insurance to complex commercial liability structures, we provide independent advice tailored to your specific needs.
Schedule a free consultationThe 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 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 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.
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.
Legal disputes can arise unexpectedly and escalate quickly, making legal protection insurance a valuable safeguard for individuals and families. Our brokerage covers private legal protection, traffic law disputes and employment law conflicts, ensuring you have access to qualified legal counsel without the burden of prohibitive costs. We compare waiting periods, coverage limits and exclusion clauses across providers to secure a policy that offers genuine peace of mind.
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.
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.
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.
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.
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.
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.
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.
The Swiss second-pillar system is a cornerstone of employee benefits, and the choice of the right pension fund can significantly affect both employer costs and employee pension benefits. Northlake Partners conducts detailed comparisons of pension fund providers, analysing conversion rates, administration costs, investment returns and risk coverage. We help businesses design their BVG plans to attract and retain talent while managing costs effectively.
When employees fall ill for extended periods, daily sickness benefits insurance ensures continued salary payments and protects the business from unforeseen financial burdens. We advise on collective KTG agreements, optimal waiting periods and benefit durations that balance employee welfare with cost control. Northlake Partners compares offers from all major Swiss insurers to secure favourable terms tailored to your workforce portfolio and industry requirements.
Accident insurance is mandatory for all employers in Switzerland, covering both occupational and non-occupational accidents. Beyond basic UVG requirements, supplementary UVG-Z coverage can close benefit gaps for higher-earning employees and provide enhanced capital and pension entitlements. Northlake Partners reviews your existing arrangements, benchmarks them against the market, and ensures your accident insurance programme is both compliant and cost-efficient.
Commercial liability insurance is fundamental to protecting your business against third-party claims, whether arising from professional services, product defects or general business operations. We arrange professional indemnity, product liability and general liability coverage tailored to your industry and risk profile. Northlake Partners negotiates policy terms, coverage limits and retroactive dates to ensure your business is fully protected against the financial consequences of legal claims.
Protecting your business premises, inventory, machinery and equipment is essential for operational continuity. Commercial property insurance covers fire, natural hazards, water damage, theft and business interruption losses that could significantly impact your revenue. Northlake Partners assesses your physical assets, supply chain dependencies and operational risks to structure a comprehensive programme that minimises downtime and financial losses in the event of a claim.
Cyber attacks are among the most significant and fastest-growing threats facing businesses of all sizes. Comprehensive cyber insurance covers data breach response costs, ransom payments, business interruption losses, regulatory fines and third-party liability claims arising from compromised customer data. Northlake Partners evaluates your digital infrastructure and risk profile to place coverage with specialist cyber insurers who understand the evolving threat landscape.
Board members and executives are personally liable for decisions made in their capacity, and the financial consequences of regulatory investigations, shareholder actions or allegations of breach of duty can be severe. D&O insurance protects individual directors and senior officers against defence costs, settlements and judgements. Northlake Partners structures D&O programmes that provide robust protection while addressing the specific governance and regulatory environment of your organisation.
The unexpected loss of a key person – whether founder, managing director or indispensable specialist – can jeopardise a company's financial stability and future prospects. Key person insurance provides the company with a lump-sum payment to cover recruitment costs, revenue shortfalls and operational disruptions during the transition period. Northlake Partners works with business owners and boards to quantify the economic value of key individuals and secure appropriate coverage levels from leading insurers.
Whether you want to optimise your personal insurance coverage, protect high-value assets, or build a comprehensive insurance programme for your business – our team is ready to find the right solution for you.
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