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Helvetia Geschäftsversicherung KMU

Business insurance for SMEs: The complete solution for your company.

Whether for company founders, self-employed workers or business owners, business insurance for SMEs offers tailored solutions for every company.
24-hour SOS hotline
Comprehensive professional advice
Quick and simple claims processing
Up to 14% combination discount
Comprehensive services
Business insurance for SMEs: Insurance that is as unique as your company.
Put together your insurance in line with your needs. Combine up to eight different products in SME business insurance and take advantage of a combined discount of up to 14%.

Public and professional liability

Protects your company if third parties incur damage due to you, your employees, your buildings or your products.
Your advantage
All-round protection for your assets.
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Property insurance

Provides financial protection for losses to your goods or equipment resulting from unforeseen events.
Your advantage
Protection for your inventory – items entrusted to you by customers or employees are also insured.
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Legal protection

Protects your company against the financial consequences of a legal dispute and provides support in the form of comprehensive legal advice.
Your advantage
Security for all legal issues.
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Transport insurance

Protects your company if your goods are damaged or lost in transit.
Your advantage
Worldwide cover for your goods and merchandise.
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Assistance

Provides financial protection for you and your employees in the event of short-term rebookings, cancellations or company car breakdowns.
Your advantage
All-round protection before and during your business trips.
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Technical insurance

Complete protection against all technical risks for all equipment, machinery and IT systems.
Your advantage
Protection for your technical infrastructure – rented or leased equipment and plant are also insured.
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Buildings insurance

Covers damage to your buildings caused, for example, by storms, fire, burglary or other unforeseen events.
Your advantage
Security for your investment.
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Property owner's liability

Protects your company if your building causes injury to third parties.
Your advantage
Financial protection in the event of compensation claims.
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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

Our SME service package

Insurance is one aspect, comprehensive service another. Besides the free services included in every SME business insurance, with Service Plus you benefit from additional service elements. These help you to identify risks early on, to minimize them and also to avoid them as far as possible.

Service Basic
Great benefits, automatically integrated
Legal advice on all issues

Do you have a legal question? With Service Basic, you can get information from legal experts free of charge twice every year.

Debt collection information

Did you need debt collection information on your own receivables? Information twice per year is included.

24-hour assistance in emergencies

Wasps’ or bees’ nest? Blocked pipe? Helvetia can provide you with organizational and financial assistance in emergency situations up to a maximum of CHF 10,000 per event.

Damage caused through gross negligence

Even in the event of damage caused through gross negligence, we do not make any reductions and provide the full benefit.

Errors and omissions clause

Even if you violate contractual obligations, Helvetia will provide the full benefit, provided that the violation is deemed to be non-culpable or due to a minor fault on the policyholder’s part.

Cover for new companies and locations

Are you starting a new business or buying another company? If you notify us of this within six months, the new company is automatically co-insured.

Service Plus
Expand Service Basic with even more great benefits.
Contract templates including advice

You repeatedly conclude contracts in your day-to-day business. This is complicated and requires expertise. We therefore give you access to up-to-date, legally compliant contract templates that you can rely on, e.g. templates for employment, rental, purchase or consulting contracts as well as for various powers of attorney, reminders, objections or agreements. If you have any legal questions, Coop Rechtsschutz will advise you free of charge for 30 minutes three times a year.

Legal review of contracts and agreements

Whether purchase, work, employment, rental or loan contracts or general terms and conditions: with Service Plus, you enter into legally secure relationships. In cooperation with our partner Coop Rechtsschutz, Helvetia will examine your contracts, up to two cases per insurance year and a maximum of CHF 2,000 per case.

Credit reports

Helvetia grants you access to the credit check of business partners and private individuals – five per calendar year.

Premium waiver in the event of the absence of a key person

For SMEs in particular, the absence of a key person can pose a threat to the business. Helvetia supports you by offering premium waiver and thus contributing to running costs – up to a maximum of CHF 30,000 per insured event.

Update guarantee for performance enhancements

Insurance products are continuously being adapted to cover new needs. With the update guarantee you can ensure that the conditions of your contract are always up to date. In the event of a claim you thus take advantage of future benefit extensions during the agreed contract term.

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.

50% young entrepreneur's discount. Secure a discount now and benefit.

Helvetia also offers employee benefit solutions for you and your employees. Whether full insurance or return-oriented employee benefits, the pension solution for your company can be created flexibly in line with your needs.

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