The One Where Insurance Isn't Boring Anymore with Carole Janser
- Julia Tatje
- 7 days ago
- 2 min read
The One Where Insurance Isn't Boring Anymore
Insurance isn't exactly a topic people get excited about.
Until something goes wrong.
A workplace accident. A lawsuit. A cyberattack. A stolen wallet. A long illness.
In this episode, Julia Tatje sits down with Carole Janser, insurance specialist at SIFA , to uncover the biggest insurance misconceptions in Switzerland especially for internationals, entrepreneurs and self-employed professionals.
Together they explain why Switzerland expects individuals to take responsibility for their own protection, why many expats have a false sense of security, and which insurance policies are actually essential.
Carole shares real-life examples of claims she has seen throughout her career, from liability cases worth millions to cybercrime, employment disputes and unexpected gaps in salary protection.
The conversation also explores why insurance isn't simply about financial compensation, but it's about having experts who guide you through life's most stressful moments.
Whether you've just moved to Switzerland, are starting a business, or simply want to avoid expensive mistakes, this episode will help you understand which risks matter and how to protect yourself.
In this Episode
Why Switzerland isn't as "fully insured" as many expats believe
The biggest insurance mistakes internationals make
Why private liability insurance is essential in Switzerland
What health insurance does not cover
Why salary protection surprises many employees
Legal protection insurance explained
Insurance tips for founders and self-employed professionals
Cyber attacks, phishing and why insurance is more than money
Why choosing the right insurance matters more than choosing the cheapest
The emotional value of having someone guide you through a crisis
Common misconceptions about Swiss insurance
Why expert advice saves money, stress and sleepless nights
The Bottom Line
If you've recently moved to Switzerland: Don't assume everything is automatically covered. Switzerland expects individuals to manage many risks themselves.
If you're employed: Check whether your employer offers salary continuation insurance.
If you're self-employed or starting a company: Make sure you have professional liability and appropriate legal protection from day one.
If you already have insurance: Review your policies regularly. Many people don't actually know what they're covered for.
For everyone: Insurance isn't about expecting the worst, it's about protecting your freedom, your finances and your peace of mind.
Host and Guest
Julia Tatje – Swiss tax specialist for internationals and founder of taxum AG.
Carole Janser – Insurance specialist at SIFA GmbH with more than 15 years of experience in the insurance industry. Having worked internationally, including in Dubai and Switzerland, she advises individuals, entrepreneurs and companies on risk management and insurance solutions tailored to their needs.
SIFA is an independent insurance brokerage helping clients compare insurance providers, identify coverage gaps and build personalized protection for every stage of life and business.
Website: https://www.sifa.swiss/en/
Listen and Connect
→ Website: https://www.taxum.ch/
→ LinkedIn: Julia Tatje – https://www.linkedin.com/in/julia-tatje/
→ Blog "Tax and the City": https://www.taxum.ch/blog
→ Podcast "Tax and the City": https://youtube.com/@tax_and_the_city
→ Contact Julia: https://www.taxum.ch/kontakt
Song: InRp - Golden Hour Music provided by Vlog No Copyright Music.
Video Link: InRp - Golden Hour (Vlog No Copyright Music)
This podcast is for informational purposes only and does not constitute legal, tax, or financial advice. Always consult qualified professionals regarding your individual circumstances.
