I'm not sure where to put this so mods please move as appropriate.

I'm just setting up a small tutoring business for primary school children. I have a C permit and I'm a qualified teacher. I obviously have my own health and accident insurance but do I need any kind of personal insurance to protect the business/ me should someone decide they don't like the results? Obviously I would hope this never happens but I'd rather be prepared!

Also can anyone recommend an accountant in the Zurich area who speaks good English (as my German is rubbish) who could help me set up the AHV side of the business.

Many thanks.