The only legal insurance obligation for a self-employed person is to join an AVS compensation fund for the 1stpillar.

It is therefore up to him/her to insure him/herself personally for the consequences of a prolonged work stoppage. The solution can consist in taking the provisions of the group insurance loss of health gain as a contract basis with some adjustments:

• Include health and accident risks
• Determine a fixed and agreed salary (including for example certain fixed costs) without obligation to match the AVS salary
• Combine this insurance with a disability pension guarantee in addition to the Disability Insurance