Corporate clients
Insurance for Swiss businesses
We design insurance portfolios sized to the scale, sector, and risk profile of your business, from compulsory occupational pension (BVG) to D&O cover for executive teams.
Personal insurance
Pension and protection for your employees
Occupational Pension (BVG)
Occupational pension provision is a central part of Swiss social insurance and compulsory for most companies. We compare Collective Foundations (Sammelstiftungen) and autonomous pension fund solutions, interest rates, benefit plans, cost structures, and investment strategies. Northlake Partners assists with switching pension providers, reviews ancillary contracts, and ensures your BVG solution is both regulatory-compliant and competitive.
Sick-Pay Insurance (KTG)
Sick-pay insurance covers the employer's continued wage payment obligation and protects your business against financial strain during long-term illness. We negotiate waiting periods, benefit duration, and premiums across all relevant Swiss sick-pay providers, ensuring your policy meets both legal requirements and your operational needs.
Accident Insurance (UVG)
Compulsory UVG accident insurance protects your employees against occupational and non-occupational accidents. Northlake Partners extends mandatory UVG cover with supplementary UVGZ solutions, lump-sum benefits in cases of death or disability, higher salary brackets, or hospital top-ups, for key personnel and employees with above-average incomes.
Key Person Insurance
Every business has individuals whose sudden absence would significantly disrupt operations. Key person insurance covers financial losses arising from the death, disability, or incapacity of those individuals, for example, costs of finding and onboarding a successor, revenue decline, or banking arrangements tied to the person.
Property & liability insurance
Protection for operations and assets
Business Liability
Business liability insurance protects your company against third-party claims for personal injury, property damage, and pure financial loss arising from your business activity. We design coverage limits and sector-specific clauses to fit your risk profile and review specialty cover such as product liability, environmental impairment, or professional liability for regulated professions.
Commercial Property Insurance
Commercial property insurance covers damage to inventory, machinery, goods, fixtures, and buildings against fire, water, theft, glass breakage, and natural hazards, and through business interruption cover, secures your ongoing costs and earnings during operational outages. Northlake Partners determines the correct sum insured including replacement values and business interruption waiting periods.
Cyber Insurance
Cyber attacks, ransomware, data leaks, phishing, DDoS, now rank among the largest business risks. Cyber insurance covers first-party losses (data recovery, IT forensics, business interruption) and third-party losses (data breach claims, contractual penalties, legal costs) as well as 24/7 crisis management. We compare providers with different specialisations and tailor your policy to your sector and IT maturity.
D&O Insurance
D&O insurance (Directors & Officers) protects board members, executives, and key personnel against personal liability claims arising from breaches of duty in their corporate role. In Switzerland, executives are personally liable with their private assets, making a D&O policy advisable for any active position in management or on a board. We negotiate sums insured, deductibles, and Side-A/B/C options.
Without obligation
Let's discuss your situation
Every advisory engagement begins with a conversation, by phone, email, or in person in Zurich. We take the time to understand your situation before making recommendations. The initial consultation is free of charge and without obligation.