Entreprises & Indépendants Experts-comptables Helvators
Protect & pass on

Compare 18 companies.
Save up to 30%.

Helvate negotiates your insurance contracts with the best Swiss companies. Independent, transparent, no commitment. A single advisor for all your coverage.

LAMal
Courtage Helvate

Health Insurance

18 Compagnies comparées

Health Insurance

Basic health insurance (LAMal) is mandatory for everyone residing in Switzerland. Helvate compares 18 health insurers (CSS, Helsana, Swica, Concordia, Sanitas…) and negotiates the best terms on your behalf, including deductibles and alternative models (family doctor, HMO, Telmed).

  • Independent comparison of LAMal premiums across 10+ health insurers
  • Deductible optimisation for adults / children / young adults from CHF 300.-
  • Alternative models: family doctor, HMO, Telmed — up to 25% savings
  • Free annual review: we lower your premium if a better option exists elsewhere
LCA
Courtage Helvate

Supplementary Insurance

12 Compagnies comparées

Supplementary Insurance

LCA supplementary insurance covers what LAMal does not: dental care, private-ward hospitalisation, glasses, alternative medicine, travel… Helvate guides you to the supplementary cover best suited to your profile and budget.

  • Private or semi-private ward hospitalisation in Switzerland and abroad
  • Alternative medicine, glasses, dental care, psychology
  • Direct access to the best specialists without restriction
  • LCA selection based on your age, family situation and real needs
LAA
Courtage Helvate

Accident Insurance

8 Compagnies comparées

Accident Insurance

In Switzerland, employers are required to insure their employees against accidents (LAA). For the self-employed and directors of an SĂ rl/SA, occupational and non-occupational accident insurance is recommended. Helvate structures the most cost-effective cover for your status.

  • Mandatory LAA for employers: statements, premiums, claims handling
  • Individual cover for the self-employed: occupational + non-occupational accidents
  • Daily allowances in the event of incapacity to work
  • Supplementary pensions: disability, survivors, treatment costs
RC
Courtage Helvate

Civil Liability

200 Compagnies comparées

Civil Liability

Professional civil liability covers damage that you or your employees could cause to third parties in the course of your business. For entrepreneurs, it is often a non-negotiable requirement imposed by clients and partners.

  • Professional liability: cover for errors, omissions and negligence
  • Operating liability: damage caused during business activity (clients, visitors)
  • Private liability included for directors (Helvetia, Allianz, AXA)
  • Insured capital from CHF 1 to 10 million depending on your sector
Auto
Courtage Helvate

Vehicle Insurance

32 Compagnies comparées

Vehicle Insurance

Whether you are a private individual or a professional with a fleet, Helvate negotiates your vehicle insurance with Switzerland's leading companies: Zurich, Bâloise, AXA, Generali. Comprehensive, partial comprehensive, liability, occupants — we tailor the contract to your real usage.

  • Mandatory liability + partial or full comprehensive cover based on vehicle age
  • Optimised bonus-malus, up to 30% savings vs standard rate
  • Professional vehicles and company fleets (up to 50 vehicles)
  • 24/7 breakdown assistance across Switzerland and Europe included
Home
Courtage Helvate

Home Insurance

17 Compagnies comparées

Home Insurance

Helvate home insurance protects your home, its contents and your private civil liability. For business premises, we adapt the cover to the specific risks of your activity (equipment, goods, IT hardware).

  • Fire, water damage, theft, glass breakage, storm, vandalism
  • Business assets: equipment, stock, furniture, IT hardware
  • Private liability included for owners and tenants
  • International extension for valuables (art, bicycle, electronics)
PJ
Courtage Helvate

Legal Protection

18 Compagnies comparées

Legal Protection

Legal protection covers lawyer, expert and procedural costs in the event of a dispute. For an entrepreneur or a private individual, it is the no-nasty-surprises insurance — essential in case of a commercial, employment or administrative conflict.

  • Commercial disputes, conflicts with clients, suppliers and competitors
  • Employment law: dismissal, labour-court disputes, harassment
  • Administrative law: appeals against tax decisions and permits
  • Cover up to CHF 500'000 per claim
Étude personnalisée

Pas sûr de ce qu'il vous faut ?
On analyse, vous décidez.

Un conseiller Helvate Ă©tudie votre situation personnelle et professionnelle pour vous proposer la couverture optimale, sans frais et sans engagement.

Analyse gratuite sous 24h

Sous 24h, un conseiller Helvate vous recontacte.

Données chiffrées et hébergées en Suisse.

Analyse complète · Service gratuit · Sans engagement · Réponse sous 24h

FINMA