High water, flooding or burglary can cause substantial damage to a building and have serious implications for a company's continued existence. Ultimately, not only damage to the building itself, but also consequential losses such as the clearance costs or the loss of rental income can jeopardize a company's very survival. Buildings insurance provides protection against heavy financial losses in the event of a claim. As a supplement to the compulsory cantonal buildings insurance which, in most cantons, covers fire and damage by natural forces, Helvetia offers protection against additional risks. In cantons with compulsory cantonal buildings insurance, the boundary stipulations made by the cantons must be observed.
Buildings insurance offers property owners protection in the event of a claim. The business insurance package for SMEs combines other products in a single policy, for total insurance protection: