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How can I protect my company against fire?

An underestimated danger: a fire in the company. Fire not only damages inventory and buildings, but can also hinder the execution of customer orders. Find out here how you can protect your company from the financial consequences.

14 December 2018, author: Natascha Fabian, photo: Helvetia

A fireman puts out a fire.
A fire in the company – a nightmare scenario for any company director. With preventive measures, the fire hazard can be significantly reduced.

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:

  • Fire alarm system and hand-held fire extinguishers or automatic extinguishing system
  • Staff training
  • General smoking ban on all premises
  • Storage of flammable goods in a prescribed, fireproof manner
  • Professional maintenance of electrical installations

It is a good idea in any case to examine your individual situation with the help of a customer advisor.

Building insurance only protects buildings

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.

Make sure you have movable assets insurance

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.

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