Coordinate income protection, accident cover, pensions and liability when you work for yourself.
01What is your legal form and employment status?
02What happens if you cannot work for several months?
03How are you saving for retirement?
Start with the essentials, explore the trade-offs, then compare written terms for your situation.
Clarify whether the activity is recognised as self-employment and distinguish a sole proprietorship from employment through your own company. Social-insurance and pension obligations depend on the actual status. Do not assume previous employer benefits continue after you start trading.
Estimate household spending and fixed business costs separately. Compare accident and illness protection, waiting periods, benefit duration and declared earnings. A long waiting period requires sufficient cash reserves. Review death cover when a partner, family member or loan depends on your income.
Compare voluntary pension options and eligible 3a contributions with your cash-flow seasonality. Distinguish investment saving from mandatory premium commitments. Before withdrawing old pension assets to start a business, assess loss of retirement capital, eligibility, tax and the amount needed to survive a difficult first year.
| Option or layer | What to understand and check |
|---|---|
| Personal safety net | Illness, accident, disability and family dependence. |
| Business safety net | Liability, assets, cyber and interruption. |
| Retirement | Pension affiliation, 3a eligibility, liquidity and costs. |
Invoicing alone does not settle social-insurance status. Have the competent compensation office assess your circumstances.
Social-insurance status depends on the facts and the competent body’s recognition.
Check accident and sickness protection; employee arrangements do not automatically apply to the self-employed.
Coordinate retirement savings, business expenses, waiting periods and household protection.
A cheaper premium may transfer the first weeks of incapacity back to your balance sheet.
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Coordinate voluntary pension saving with seasonality, contributions and essential cash.
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Protect lost personal income without overlooking rent, leases and business continuity costs.
Read article →Yes. A first conversation of around 20–30 minutes is free and without obligation. Any further fees are explained before you agree.
No. Tools provide information or estimates. Personal advice, underwriting, policy terms and lender approval remain necessary where applicable.
Yes. We start by understanding your existing arrangements, then compare the relevant alternatives and switching conditions.
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