Independent insurance audit and cost-review service for Swiss SMEs (coverage gap analysis, premium benchmarking, fee-only, no product sales)

Is the demand real?

Swiss SMEs are typically over-insured in some areas and dangerously under-insured in others, and they overpay because their coverage was sold to them by commissioned brokers who never revisit it. An independent, fee-only audit that benchmarks premiums, flags coverage gaps, and finds savings has clear logical value. The catch mirrors the pension case: buyers are conditioned to get insurance advice for free (from the very brokers whose interests are conflicted), so charging a fee for a review is an education-and-trust sell. It works as a niche, especially as a wedge into broader CFO or controller advisory, but standalone monetization is the hard part.