Private clients
Insurance for you and your family
Comprehensive insurance protection tailored to your standard of living. From compulsory health insurance to specialty cover for art, jewellery, and premium real estate.
Standard cover
The foundation of your insurance portfolio
Health Insurance (KVG/VVG)
The Swiss health insurance system consists of the compulsory KVG basic insurance and voluntary VVG supplementary insurance. Northlake Partners compares premiums, deductible models, and supplementary benefits across all licensed health insurers, ensuring you receive the best price-performance ratio without compromising on quality of care. Whether you need extended dental cover, private or semi-private hospital wards, or complementary medicine: we put together a package that matches your medical needs and your budget.
Life Insurance
Life insurance provides essential financial security for your family and can simultaneously serve as a vehicle for long-term saving and retirement provision. We advise on term life policies for pure death benefit cover, capital-building solutions with guaranteed accumulation, and savings contracts linked to Swiss pension Pillars 3a and 3b. Northlake Partners evaluates surrender values, guaranteed interest rates, and surplus participation across providers to recommend the policy that fits your financial goals.
Home Contents & Personal Liability
Home contents insurance protects your personal belongings against theft, fire, water damage, and natural hazards; personal liability insurance covers you against claims from third parties when you cause damage. We also arrange glass breakage cover and extensions for valuables stored outside the home. Northlake Partners reviews your existing policies, identifies cover gaps, and negotiates competitive terms.
Motor Vehicle Insurance
Whether you drive a family car or a high-performance vehicle, the right motor insurance is essential. We arrange compulsory liability, comprehensive (Vollkasko), and partial cover (Teilkasko) for cars and motorcycles, including roadside assistance, parking damage cover, and bonus protection. Northlake Partners compares premiums and claims terms across all major Swiss providers to find the optimal cost-coverage balance for your vehicle.
Legal Protection
Legal disputes can arise unexpectedly and escalate quickly. Legal protection insurance covers private legal disputes, traffic-related cases, and employment law conflicts, giving you access to qualified legal counsel without the burden of unmanageable costs. We compare waiting periods, coverage limits, and exclusion clauses across providers.
Travel Insurance
Frequent travellers and holidaymakers alike benefit from reliable travel insurance covering medical emergencies abroad, trip cancellation, lost luggage, and repatriation. We offer both annual multi-trip policies and single-trip cover tailored to your travel patterns.
Disability & Accident Insurance (Erwerbsunfähigkeits- und Unfallversicherung)
A serious accident or illness preventing you from working can have devastating financial consequences. These policies provide daily benefits, loss-of-earnings compensation, and lump-sum payments in cases of permanent disability or death. We analyse your income, existing social insurance entitlements, and personal obligations to determine the appropriate level of cover.
Valuables & specialty risks
Protection for high-value assets
Art & Collections
Fine art, antiques, wine cellars, and musical instruments require specialty insurance reflecting their actual market value and unique risk profile. Standard home contents policies rarely provide sufficient cover. Northlake Partners arranges all-risks policies with agreed-value clauses that eliminate disputes in claims settlement, covering damage, theft, transit, and restoration.
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 cover with agreed valuations, ensuring each piece is insured at its full replacement value. Northlake Partners coordinates professional appraisals and works with specialist insurers.
Premium Real Estate
Luxury properties, holiday residences, and homes undergoing major renovations require insurance that goes beyond standard building cover. We arrange tailored property insurance accounting for high reconstruction costs, architectural specifics, gardens, and temporary accommodation during repairs, protecting against fire, natural hazards, water damage, and liability risks.
Yacht & Aviation
Owning a yacht or private aircraft brings complex insurance requirements spanning multiple jurisdictions and regulatory frameworks. We place hull and machinery, liability cover, crew and passenger liability through specialty marine and aviation markets. Northlake Partners has the expertise to navigate these niche areas.
Cyber & Identity Protection
Individuals face growing risks from identity theft, online fraud, cyber extortion, and data breaches. Personal cyber insurance covers financial losses, legal costs, and professional data recovery as well as credit monitoring. We help you select a policy that provides effective protection as new threats emerge.
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.