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Insurance Advice

Köppel-Legal AG supports private individuals, families, self-employed professionals and companies in analysing, optimising and managing their insurance cover. As an independent insurance broker, we create needs-based protection, identify coverage gaps and reduce unnecessary duplicate insurance.

We begin with a structured risk analysis. We assess existing policies, the financial consequences of potential events, and the relationship between premiums, benefits and long-term security.

Risk analysis and policy review

We analyse your personal, family or business situation and distinguish between risks that can reasonably be borne and those that should be insured.

  • Private and business risk analysis
  • Illness, accident, incapacity for work and death
  • Identifying coverage gaps and duplicate insurance
  • Scope of cover, exclusions and policy terms
  • Premiums, benefits and cancellation periods
  • Coordination with pension, tax and financial planning

Optimising insurance cover

A sound insurance plan does not provide the greatest possible number of policies, but the right cover. We compare solutions, review value for money and support necessary changes or new policies.

  • Comparison of premiums and benefits
  • Reducing excessive cover
  • Closing relevant coverage gaps
  • Adjustments for new personal or business circumstances
  • Coordination with insurance companies

Private individuals and families

Health, income, retirement and family protection should be coordinated. We analyse existing benefits and show where additional protection is appropriate.

  • Basic and supplementary health insurance
  • Incapacity for work, disability and loss of income
  • Death cover for dependants
  • OASI, pension fund, Pillar 3a and private pension provision
  • Liability, property and other private insurance

Companies and self-employed professionals

Operational risks, employees, infrastructure and liability issues require an insurance plan that reflects the actual activities and size of the business.

  • Public and professional liability
  • Property, legal protection and cyber risks
  • Accident insurance and daily sickness benefits
  • Occupational pension provision and other personal insurance
  • Reviewing and optimising existing business insurance
  • Negotiation and coordination with insurers

Ongoing support

At your request, we manage your policies on an ongoing basis. This keeps deadlines and changes under control and gives you a central contact for insurance matters.

  • Overview of policies and terms
  • Monitoring deadlines and cancellation options
  • Regular review of your insurance situation
  • Adjustments following personal or business changes

Support in the event of a claim

When a claim occurs, we assist with notification, compiling documents and communicating with the insurer. We review coverage, enquiries and any reductions or rejections.

  • Claim notification and documentation
  • Reviewing insurance coverage
  • Communication with the insurer
  • Support during investigations
  • Assistance with legitimate claims

Request insurance advice

Would you like to review your policies, identify coverage gaps or optimise premiums and benefits? Together, we create a clear, needs-based insurance solution.

Köppel-Legal AG (register no. F01272368), Mr Edoardo Köppel (register no. F01272370) and Mr Marc Schöpfer (register no. F01450839) are registered with FINMA as independent and non-tied insurance intermediaries (brokers) (www.finma.ch).