A doctor and his patient having a conversation.

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.

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Benefits 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

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

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

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

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

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

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

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

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

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

Get back to work, fast

An employee has had an accident. Zurich supports their reintegration with a network of specialists and case management.

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Occupational health management

Healthy companies are more competitive. Zurich helps you to ensure that your employees remain healthy and recover as quickly as possible after an illness or accident.

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

Visitor Accident Insurance

Benefits at a glance

More details

Good to know

Visitor accident insurance is designed for the following people

Medical expenses insurance

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

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

Supplement for hospitalization and health resort stays

One-off capital payment for permanent disability

Additional financial protection in the event of death

Get back to work, fast

Occupational health management

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