The consequences of a fire are often more serious than anticipated. To avoid surprises, you should address the risks early on. With individual measures customised for your company, you can significantly reduce the fire hazard.
We recommend the following general measures:
It is a good idea in any case to examine your individual situation with the help of a customer advisor.
In most cantons in Switzerland, building insurance is compulsory. However, such insurance only protects buildings and their surroundings against damage caused by fire and natural peril events. Private insurers, such as Helvetia, are responsible for providing more extensive insurance cover. In the cantons of Geneva, Uri, Schwyz, Ticino, Appenzell Innerrhoden, Valais, Obwalden and the Principality of Liechtenstein, no legal requirements apply.
Movable assets insurance covers all goods and equipment, including IT systems. This insurance also covers the follow-up costs of disposal, cleaning and data recovery, as well as third-party property entrusted to the company. It is especially worth noting that this insurance applies for loss of income in the event of business interruptions.
As movable assets insurance only covers movables, you should combine this insurance cover with cover for outdoors property or damage to surroundings, for example. We recommend that you seek advice from an expert to help you find a solution that meets your needs as closely as possible.
SME business insurance
With Helvetia business insurance, Helvetia is by your side as your partner. Our effective and flexible security package provides you with scope to shape your company’s future.