Insurance Guide for Private Individuals
Personal, property and asset insurance for individuals
Everyone needs insurance, be they young or old, single or in a family, property owner or renting, city-based or out in the sticks, Swiss citizen or immigrant.
Personal insurance
Life is precious, and it should be protected as such. Financial security makes sense for everyone, but what types of insurance are recommended, which are affordable, and which are unnecessary?
A pension consultation can answer all your questions and show you all your options. Our experts are here to assist you with in-depth knowledge and proven expertise. Your needs are the focus, and together, we’ll create an optimal insurance solution. You decide, and we’ll take care of the rest.
We provide assistance with the following types of personal insurance:
Health insurance – basic and supplementary insurance
Daily sickness benefits insurance
Life insurance
Pension/disability, death
Advice on the Swiss three-pillar system
This list is not exhaustive, and it’s best to contact us so that we can analyse your individual needs together and discuss the next steps. This service is free for you.
Property insurance
We’re surrounded by objects in our everyday lives; some more valuable, some less so. You get up in the morning, get dressed, feed the cat and ride your bike to work. In the evening, you might indulge in a favourite hobby and end the day in front of the TV. In just 24 hours, that’s furniture, animals, clothes, a car, a bike, audio equipment and more – and all of it either should or must be insured.
Your current circumstances, individual security needs and budget determine the level of insurance coverage that’s right for you. A student in a shared flat, a single mother, a young family in their own home, a farmer, an immigrant and an art collector will all need different insurance products. We’ll assist you in analysing your needs so you don’t lose sight of what matters most.
We provide assistance with the following types of property insurance:
Home contents and home contents accidental damage
Animal insurance
Motor vehicle insurance (partial and comprehensive accidental damage, parking damage)
Building insurance (building water, glass, fire, and natural hazards)
Builder’s risk insurance (construction)
Valuables insurance
Travel insurance
This list is not exhaustive. Our experts are on hand to discuss insurance optimisations or if you want to take out a policy and will be happy to help in the event of a claim.
Asset insurance
Asset insurance covers, among other things, all third-party liability claims.
Below are some of the most common types of asset insurance:
Private liability
Motor vehicle liability
Building liability
Principal’s liability
Legal protection insurance
Hail insurance
Private liability insurance covers your liability as an insured person in your capacity as a private individual for your own behaviour as the head of a family, an animal owner, a tenant and much more.
Motor vehicle liability insurance is compulsory in Switzerland. It ensures that third-party liability claims arising from traffic accidents are settled. Anyone injured by a motor vehicle bears no risk that the culpable driver will not pay for the resulting loss and damage.
We recommend building liability insurance to all building owners. If a tree on your property falls and damages the neighbouring house or if a few roof tiles come loose and injure a passerby, you will be liable as the owner of the building.
In addition to builder’s risk insurance, principal’s liability insurance is also very important. It covers damages related to the construction site to a third party or their property.
Protect your rights with legal protection insurance. You can sit down with one of our experts to determine whether you need private legal protection, motorist’s legal protection or commercial legal protection insurance.
Agricultural crops can suffer significant damage from hail. With hail insurance, you can protect those all-important assets.
Insurance mandate
Our insurance experts are on hand to assist you before you take out a policy, during the term of the contract and in the event of a claim. They have extensive expertise, know the insurance market inside out and have a knack for coming up with the ideal insurance solution. This service is free for you. Simply download the mandate form, fill it in and send it to us by e-mail or post to Union Swiss Brokers Holding AG, Lyssachstrasse 9, 3400 Burgdorf. We’ll contact you upon receipt to discuss the next steps.
Frequently asked questions about insurance for private individuals
Which insurance policies are particularly important for private individuals?
Some of the most important insurance policies for private individuals include health insurance, personal liability insurance, household contents insurance and, depending on individual circumstances, pension and life insurance solutions. The actual level of cover required depends on your personal situation and your need for financial security.
What is the difference between personal, property and financial insurance?
Personal insurance protects individuals and their financial security in the event of illness, disability or death. Property insurance covers damage to possessions or real estate. Financial insurance protects against the financial consequences of liability claims or legal disputes.
Do I need personal liability insurance?
Personal liability insurance is one of the most important insurance policies for private individuals. It covers damage you cause to other people or their property and helps protect you from potentially significant financial liabilities.
Which insurance policies do homeowners need?
For homeowners, building insurance, property liability insurance and, depending on the circumstances, construction insurance or builder’s liability insurance are particularly important. The most suitable level of cover depends on the property and the individual risks involved.
Which insurance policies are suitable for families?
Families often benefit from a combination of health insurance, personal liability insurance, household contents insurance, pension solutions and, where appropriate, life insurance. The most suitable solutions depend on the family’s financial and personal circumstances.
Is independent insurance advice worthwhile?
Yes. Independent insurance advice helps to review existing insurance policies, identify gaps in cover and avoid unnecessary duplicate insurance. It also allows insurance protection to be adapted to your current circumstances.
Why should I review my insurance arrangements regularly?
Life circumstances change over time. Starting a family, purchasing a home, changing careers or retiring can all affect your insurance needs. Regular reviews help ensure that your insurance cover remains appropriate and up to date.
How can Union Swiss Brokers Holding AG support me?
The experts at Union Swiss Brokers Holding AG analyse your personal situation, review your existing insurance policies and assist you in selecting suitable personal, property and financial insurance solutions. Advice is provided independently and tailored to your individual needs.
Would you like independent experts to review your insurance situation?
On our Insurance Solutions for Private Individuals page, you will find comprehensive information on health insurance, pension planning, life insurance, property insurance and legal protection insurance, along with the opportunity to arrange a no-obligation consultation.
Editorial note: This article was originally published on 10 February 2022 and was last reviewed and updated in September 2026.
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