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.
There are often not enough hours in the day for your workload: the customer expects optimum products and services. The market demands constant adjustments. The pace of all processes is increasing. And your competitors are on the ball, too. In short, there’s no time to give any thought to all eventualities.
Yet it’s precisely these that can jeopardise your efforts suddenly and unexpectedly. Protect your business in good time with an insurance programme tailored precisely to your risk profile: Helvetia Business insurance for SMEs covers your back so that you can focus on your core business.
SME business insurance combines eight products for your all-round protection:
The movables insurance offers financial security and help with damage that can occur to your movable property. An interruption to operations can lead to a loss of earnings.
Your commercial building is a high-value asset and an important representative element of your company. The buildings insurance safeguards your building for the long term and thus eliminates existential risks.
If third parties suffer damages as a result of the condition of your property, the owner’s liability insurance will cover claims by the injured party and protect you against any financial consequences.
The statutory liability from bodily injury and property damage may pose an existential risk for you. The professional liability insurance protects your assets against claims by third parties arising from plant, operational and product risks.
Systems and equipment are exposed to particular risks compared to other movable property. With technical insurance, you get additional all-round security for your most important infrastructure.
As an entrepreneur, you are confronted with a wide variety of legal issues. With our partner, Coop Rechtsschutz, we are able to guarantee that competent and independent specialists will represent your rights appropriately.
Every day, goods worth billions are transported by air, land and sea. Unfortunately, losses, theft and damage are all part of the transport business. Transport insurance covers these damages so that your company’s success is not jeopardized.
Assistance insurance covers the costs if you or your employees have to interrupt a business trip, suffer a breakdown in the commercial vehicle or miss a business meeting as a result of illness.
Further details on the individual products can be found in the brochure in the download area.
Our SME⁴ consulting is a valuable tool that helps you to determine all points relevant to you and recognize possible gaps immediately. We use the questionnaire specially developed by our experts to identify your individual needs. Naturally, existing solutions are taken into account in the process.
On Sunday morning a passer-by reports to the company owner that water is flowing from the entrance.
A visit to the site reveals the extent of the destruction. All the goods that were not stored on racks or pallets have already soaked up water. Production machines are standing in water and the humidity threatens to cause further damage to electrical components. The office carpets are soaked through and in the cellar water is dripping from the ceiling. Clearly a water pipe has come unscrewed from a machine. Over the course of several hours, large quantities of water have leaked out unnoticed.
The Helvetia loss specialist arrives at the site of the damage on the same afternoon. Together with the company owner, he organises the rapid repair of the damage and determines the next steps for the business going forward. On the same Sunday, the specialists get started on repairing the cause of the damage as well as the drying and renovation of the installations.
On Monday, the business remains closed owing to functional testing on the affected machines. With the help of temporary facilities and thanks to night-time and weekend work, the impact of the damage on the business could be reduced to a minimum.
Helvetia reimburses all costs incurred and protects the customer against liquidity shortfalls with appropriate payments on account. It covers the costs of building repair as well as recovery of the affected machines. It also pays out the replacement value of the destroyed goods and covers the disposal costs incurred. The additional costs of maintaining the company’s operations are paid by Helvetia, as is any loss of income resulting from the one-day closure of the business.
It’s thanks to the quick, competent and decisive action of the people involved that the damage and operational disruption were not more severe.