Business liability
Put damages towards third parties, clients or partners into clear context.
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SME insurance
Protection for your business without insurance chaos.
We structure existing policies, business risks and open questions so you can see what really matters and where action is needed.
SME risk board
A view of the areas that are easy to miss in everyday business.
Operations
Assets and revenue
People
Team and owners
Liability
Clients and third parties
Interruption
Liquidity and absence
Priority 1
Secure existence
Which events could immediately affect operations or liquidity?
Priority 2
Cover responsibility
Where do liability risks arise towards clients, partners, employees or third parties?
Priority 3
Avoid overlaps
Which covers overlap, are outdated or no longer fit the business model?
Risk board
Not every policy matters equally. What matters is what your business actually carries.
In SMEs, responsibility, liquidity, employees and customer promises are connected. That is why we do not look at risks in isolation.
Priority 101
Secure existence
Which events could immediately affect operations or liquidity?
Priority 202
Cover responsibility
Where do liability risks arise towards clients, partners, employees or third parties?
Priority 303
Avoid overlaps
Which covers overlap, are outdated or no longer fit the business model?
Insurance areas
Topics that typically belong together for SMEs.
Property and business interruption
Inventory, goods, equipment, revenue loss and liquidity considered together.
Cyber and legal protection
Clarify digital risks, disputes and contractual topics before a claim happens.
People and pensions
Accident, daily sickness benefit, occupational pension and owner protection connected well.
Approach
How policies become a clear protection plan.
01
Understand the business
We look at industry, size, employees, revenue, responsibility and existing contracts.
02
Prioritize risks
Not everything is equally urgent. We show which gaps need attention first.
03
Structure cover
Existing solutions are put into context, overlaps become visible and next steps are defined.
FAQ
Short answers.
Which insurance does an SME need in Switzerland?
It depends on industry, employees, revenue, liability risks and infrastructure. Business liability, property, interruption, cyber, legal protection, accident, daily sickness benefit and occupational pension are often relevant.
Is SME insurance only important for larger companies?
No. Self-employed people and small businesses often carry risks directly. Suitable protection can help secure liquidity, responsibility and existence.
Can Fianza review existing business policies?
Yes. Fianza puts existing policies, cover and open questions into context and shows where adjustments or a comparison can be useful.
Want to protect your SME properly?
We review your business, your current policies and the next useful steps together.