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Helvetia Sachversicherung

Property insurance

Unforeseen events, such as fire, storm or flooding, malicious damage or theft usually cause major damage to inventory, equipment and goods. This is where property insurance comes in, guaranteeing that the business is properly insured even in the event of severe setbacks.
Comprehensive insurance pro­tection for goods and equip­ment
Cover for a host of unforeseen events
Payment of lost income and additional expendi­tures in the event of business inter­ruption
Option of exten­ding cover to include all risks and simple theft
Risk analysis and professional, compre­hensive advice
24-hour assistance in emer­gencies

Why is property insurance advisable?

No business should be without property insurance. As well as the devastating financial consequences of direct damage to goods and inventory, natural hazards such as storm or high water almost invariably cause an interruption to business operations. The loss of revenue then incurs further costs. Helvetia’s insurance covers both, ensuring that the business can continue to operate.

A brief guide to property insurance

What damage does the insurance cover?

Generally, property insurance protects all goods and covers additional expenditures as well as loss of income if business operations are interrupted. The following are covered in the event of a claim:

  • Rented and leased items
  • Precautions for new acquisitions
  • Outdoor materials storage
  • Cash values
  • Valuables
  • Food in the event of the failure of refrigeration equipment
  • Animal feeds
  • Agricultural products and stocks
  • Agricultural trailers and attachments
  • Items on construction sites (e.g. tools and the like)
  • Own vehicles or vehicles held as merchandise
  • Customer vehicles

Property insurance also covers all movable items. In regard to goods, this includes raw materials, semi-finished and finished products as well as operating materials and merchandise. The insured equipment includes furniture, utensils, machinery and IT equipment.

As well as the follow-up costs of disposal, cleaning and data restoration, the insurance also covers third-party items temporarily entrusted to the policyholder.

kmu-check-home-stage

Is your company properly insured?

Every company is unique, and so are its insurance requirements. The insurance check for SMEs will give you valuable recommendations, quickly and easily. Regardless of whether you are just setting up your company or have been active for some time.
Start the check
Start the check

Why Helvetia?

Everything for your SME from a single source

Helvetia is your reliable partner with extensive experience and expertise in business insurance, as well as occupational benefit schemes and health.

Simple, secure and fast

We offer flexible insurance solutions with minimal administrative time and effort, and fast online loss notification.

50% young entrepreneur's discount

Talk to our SME specialists and benefit from a 50% discount on the first year’s premium for all SME insurance policies.

Clever combined. Business insurance for SMEs.

Whether for company founders, self-employed workers or business owners, business insurance for SMEs offers tailored solutions for every company. Combine up to eight insurance contracts and benefit from our SME combination discount. We would be pleased to advise you.

Request an offer or consultation now.
Benefit from a non-binding consultation tailored entirely to your needs.
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