Insurance for Small Businesses: What Protects Your Income and Assets
Liability, income protection, property and cyber cover: what to prioritise.
4 min read · Business & Freelance
Life situations: Self-employment
A single event can threaten a small business.
Core cover
- Business liability.
- Income protection for the owner.
- Property and business interruption.
- Expected monthly benefitsCHF 4'200 · 60 %
- Monthly income gapCHF 2'800 · 40 %
Example with default values. Open the calculator →
For employees
Accident insurance is compulsory and daily sickness allowance is recommended.
Review
Cyber and data risks
Even small firms store customer data. Consider cyber cover and keep backups and strong passwords, because recovery after an attack can be costly.
Update cover when the business grows. Check your income gap with the disability gap calculator.
Try it yourself: Disability Income Gap
Change any input and the result updates instantly. Nothing you enter is sent to a server.
Expected monthly benefitsCHF 4'200
- Monthly income gap
- CHF 2'800
- Yearly gap
- CHF 33'600
- Gap as share of income
- 40.00 %
- Expected monthly benefitsCHF 4'200 · 60 %
- Monthly income gapCHF 2'800 · 40 %