Is liability insurance mandatory for agricultural businesses?

In principle, no. In exceptional cases, cantonal regulations may require mandatory liability insurance for certain activities.

Will I also get insurance coverage in the event of a loss for which I am not liable?

Yes, as part of the insurance coverage, Zurich will also cover defense against unjustified claims.

The basic insurance also covers attorney fees and court costs. Do I still require separate legal protection insurance?

Yes, as the legal protection provided for is limited to losses covered by liability insurance for agricultural businesses. For comprehensive legal protection, you will need separate legal protection insurance (e.g. Orion).

Where or in what locations is my liability insurance valid?

The insurance is valid for claims occurring globally with the exception of the USA and Canada.

Who benefits from Zurich liability insurance for agricultural businesses?

Dairy farms, alpine farms, crop production, vegetable- and fruit-growing, winemaker businesses with or without their own pressing, horse riding schools and stables, horse boardings, breeding farms, feed lots, egg laying operations.

What secondary activities can I insure additionally?

You can insure various secondary activities, such as services or construction work for third parties and work as a claw cutter/ hoof care specialist. The prerequisite is that the secondary activities are of subordinate economic importance. If this is not the case, a separate commercial liability insurance must be concluded for these activities.

What sum insured does the commercial liability insurance for agriculture cover?

Zurich offers a sum insured of 5 or 10 million Swiss francs.

What is the premium calculation based on?

For the premium calculation, we need information about the agricultural land in hectares, the number of animals or the turnover, depending on the business’s main activity.

Agriculture | Zurich Switzerland

Liability insurance for agricultural businesses

Our protection: As a farmer, you combine people and nature in your work. But this activity also involves risks. We help you if third parties come to harm.

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Your advantages at a glance

As an agricultural business, you make an important contribution to supplying our country with food. Whether out in the field or in a barn, wherever heavy machinery is in use and people are working, things can happen fast.
If third parties suffer losses due to your work or your products, we are there to assist you. We handle claims and defend you against unjustified claims. Associated attorney fees and court costs are covered.

Well protected

The basic insurance offers you extensive protection for your activities and can be individually supplemented with additional cover.

Assistance in the event of a claim

If third parties suffer losses, we take care of the financial claims and defend against unjustified claims. Should attorney fees and court costs arise, we will cover them.

Ancillary activities covered

The basic insurance automatically covers ancillary activities which are customary for this type of business, including, amongst others, the direct sale of agricultural products and the participation at markets.