Are you looking for insurance advice in St. Gallen 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.
Our advisors at Kornhausstrasse 25 work independently of insurance companies. We first review what you already have, and only then talk about changes.
Eastern Switzerland is shaped by industry, mechanical engineering and a dense SME network – and by the proximity to Liechtenstein and Austria. Anyone working across the border faces questions of their own in health and accident insurance.
Whether health insurance, household contents and liability, disability, life, or the protection of your business – we meet you where you stand today.
In person in the St. Gallen city centre – or online, whichever you prefer.
Providing a few brief details will help us to optimally prepare your request.
tailor-made. holistic. for you. – this promise shapes our daily work. Our insurance advice in St. Gallen begins with listening and ends with an overview that you decide on yourself. Three principles carry it:
Living in the Rhine Valley and working in Liechtenstein or Austria – or the other way round – is everyday life here. Which health and accident insurance then applies depends on residence, place of work and the applicable social security agreements. We clarify your constellation before anything goes wrong.
In Eastern Switzerland, many people work in manufacturing businesses. Accident and daily sickness benefit solutions there are often good – the gap appears for salary components above the statutory accident insurance ceiling and when you leave the company.
We don't represent an insurance company, we represent you. You pay for the analysis and the recommendation; any commissions are disclosed. We compare conditions – not just premiums.
St. Gallen combines industry and trades with a strong education and services hub – and lies close to two national borders. 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.
Your accident and daily benefit solution runs through the company – and ends with it. We show which part of your protection hangs on the employment contract and what needs to be arranged anew if you change jobs or are let go.
Between the St. Gallen Rhine Valley, Liechtenstein and Vorarlberg, responsibilities change quickly. We assess which system applies to you and bring in specialists for cross-border questions.
Business liability, property and business interruption cover, daily sickness benefits and the pension fund affiliation belong in one shared view – together with the private protection of the owners.
First flat of your own, first health insurance policy, first employment contract: we explain what is compulsory, what makes sense and what can wait – without selling you a package right away.
We handle questions such as these on a daily basis. Is yours missing? Just fill in the form at the top of this page – we will get back to you.
You will find us at Kornhausstrasse 25, 9000 St. Gallen – in the city centre and just a few minutes' walk from the main station. Appointments are also possible by video.
The initial consultation is free of charge and non-binding. After that we work on a fee basis – as a flat rate for a defined mandate or at an hourly rate. You know the scope before we begin.
Both describe the same role: we don't represent an insurance company, we represent you. We compare offers from several providers, explain the conditions, and remain your point of contact after the contract is signed – including in the event of a claim.
That depends on your residence, your place of work and the applicable social security agreements – there is no blanket answer. We go through your specific constellation, record which system is responsible, and bring in specialists where needed.
In the canton of St. Gallen, 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 Kornhausstrasse 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 give us a call – free and without obligation. We look forward to meeting you.
