Are you looking for insurance advice in Lucerne that looks at your policies, your employer's group contracts and the statutory benefits together – instead of selling each cover on its own? Then you are in the right place.
At Schwanenplatz 3, right on the lakefront, we first look at what you already have – in your business and privately. Only then do we talk about changes, and without acting on behalf of any insurance company.
Central Switzerland lives from tourism, hospitality, trades and a dense network of small and medium-sized businesses – and many households commute to Zug or Zurich. That shapes which risks really matter here.
Whether it is business interruption in the off-season, daily sickness benefits for a small team, household contents and liability after a move to the agglomeration or death cover for your family – we start with the question that matters to you today.
In person at Schwanenplatz, by video or by phone: you can reach our Lucerne team directly on +41 41 544 66 33.
Providing a few brief details will help us to optimally prepare your request.
tailor-made. holistic. for you. – this promise applies at Schwanenplatz too. In Lucerne it means above all that we think about business and family together, because here they often sit at the same table. Three principles carry it:
In Central Switzerland, many of our clients run a business of their own. Business liability, property cover and daily sickness benefits then belong in the same calculation as your private protection – we don't separate the two artificially.
Hotels, restaurants and tourism work with strongly fluctuating revenue. Business interruption cover and a loss-of-earnings solution have to survive the weak month – not the average.
We don't represent an insurance company, we represent you. We review an association or industry scheme like any other policy: by its conditions and sums, not by habit. Any commissions are disclosed.
Lucerne combines tourism and hospitality with a broad SME network, a great deal of home ownership in the agglomeration, and daily commuter flows to Zug and Zurich. Our advice is for everyone who wants to turn that into clear protection – with insurance and health insurance, retirement provision and taxes as parts of the same calculation.
You will find an overview of all locations on our page Insurance Advice Switzerland.
Business liability, property and business interruption cover, daily sickness benefits for the workforce and the pension fund affiliation: we check whether the sums still match today's business – and where the fine print limits you.
Without an employer there is no group cover. Accident, daily sickness benefits and disability protection have to be organized yourself – we work out which waiting period and which sum suit your liquidity.
With home ownership come buildings, household contents and construction questions, and protecting the family matters more than before. We put health insurance, liability and death cover into a sensible order.
Living in the canton of Lucerne, working outside it: your group cover follows the employer, your premiums follow your place of residence. We lay both side by side before you change anything.
We hear these questions at Schwanenplatz especially often. Is yours missing? Fill in the form at the top of this page or call our Lucerne team on +41 41 544 66 33.
You will find us at Schwanenplatz 3, 6004 Lucerne – in the middle of the city and just a few minutes' walk from the main station. Appointments are also possible by video.
The first consultation at Schwanenplatz or by video is free of charge and non-binding. After that we work on a fee basis – as a flat rate for a clearly defined mandate, such as reviewing all business and private policies of a Lucerne SME, or at an hourly rate. You know the scope before we begin.
For you as a client the difference is small: both terms describe someone who does not sell on behalf of a company. We compare offers from several providers, explain the conditions and remain your point of contact after the contract is signed – in hospitality, too, when the claim happens in the middle of high season.
We start with the existing portfolio: business liability, property and business interruption cover, daily sickness benefits, accident insurance including supplementary cover, and the pension fund affiliation. We then check whether the sums and conditions still match today's business and how the owners' private protection interacts with it.
In the canton of Lucerne, building insurance runs through the cantonal institution; household contents, personal liability and supplementary cover, on the other hand, you choose freely on the market. We show which part is negotiable and which is not.
Yes. You can have the consultation on site at Schwanenplatz or entirely by video call – whichever works better for you.
smzh ag stands for independent, comprehensive, and tailored financial solutions that are accessible to everyone. Regular personal interaction with our clients is especially important to us, as it allows us to truly understand their goals and wishes, which are always at the heart of our considerations. We are fully committed to finding the optimal solution for your current circumstances and for whatever the future may bring.
We always act responsibly – toward clients, partners, and society as a whole by taking decisions based on careful deliberation.
The requirements and objectives of our clients are at the core of our daily work.
Trust is the foundation of what we do – we guard it with utmost care, as we strive to always find the optimal solution for our clients.
We seek to find long-term and sustainable solutions for our clients.
We always strive to find innovative solutions that create added value for our clients.
Our principle of independence allows us to always act in the interest of our clients.
Fill in the form at the top of this page or call our Lucerne team directly on +41 41 544 66 33 – free and without obligation. We look forward to meeting you.
