Visitor Accident Insurance

Safely host customers and guests on your company’s premises

If a visitor to your company has an accident, it can lead to endless discussions about where the fault lies. Zurich Visitor Accident Insurance protects you in such cases and closes any gaps in your commercial liability insurance.

At a glance

  • You demonstrate a sense of responsibility toward customers and visitors
  • Comprehensive supplemental benefits for rescue transport, medical treatment and hospital stays
  • Financial security in the event of loss of income
  • Financial support in the event of long-term disability and death

In detail

Zurich Visitor Accident Insurance steps in where your commercial liability insurance leaves off, which occurs when a company has no statutory liability.

Visitor accident insurance is designed for the following people

  • Visitors and customers present on your company’s property and in your facilities
  • Visitors and customers attending your events, even if they don’t take place on company property

Medical expenses insurance

  • Accommodation and treatment in a private ward
  • Free choice of physician and hospital in Switzerland
  • Pays for emergency transport, rescue and recovery costs, and search efforts up to CHF 20,000

Insurance coverage for visitors in the event of loss or damage to property

  • Covers damage to items worn or carried, such as clothing, glasses or goods, up to the agreed sum insured
  • Zurich pays repair costs up to the maximum new replacement value
  • If items have to be replaced, Zurich pays the costs of buying a new replacement less the residual value

Short-term inability to work (daily sickness benefits insurance)

  • Fixed daily benefits without offset of third-party benefits
  • Zurich pays per accident for a maximum of 720 days within five years following the accident

Supplement for hospitalization and health resort stays

  • Daily benefit in the event of hospitalization to cover additional private expenses starting on the first day
  • Benefits are paid per accident for a maximum 1,800 days

One-off capital payment for permanent disability

  • Payment amounts increase with the degree of severity of the disability
  • Financial support for remodeling homes or apartments to make them accessible for the disabled
  • Zurich works fast to deliver funds needed in emergencies
  • Financial help with purchasing the necessary aids and appliances

Additional financial protection in the event of death

  • Provisions for family members: one-off capital payout
  • Guarantees for credit, loans or mortgages
  • Funeral costs paid
  • Zurich supports any children in pursuing higher education

Good to know

  • Generally speaking, commercial liability insurance only indemnifies claims where the accident was caused by a defect or employee negligence. In such cases, statutory liability exists for your company, its management or workforce.
  • This insurance also includes the following benefits: Medi Point (physician/hospital network) and Case Management  

Your consultation

Welcome visitors with no worries thanks to our accident insurance. We would be glad to advise you.

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Find an agency

Call 0800 80 80 80

from outside Switzerland +41 44 628 98 98