Is Liability Insurance for Communities mandatory?
In principle, no. However, there may be cantonal regulations for certain activities that provide for mandatory liability insurance.
Will we also get insurance coverage in the event of a loss for which we are not liable?
Yes, as part of the insurance coverage, Zurich will also provide defense against unjustified claims.
The benefits of the basic insurance also include legal protection in criminal proceedings. Do we still need separate legal protection insurance?
Yes, the legal protection provided for in the Liability Insurance Communities is limited to liability law in connection with an event of a loss covered by the insurance. For comprehensive legal protection, you will need separate legal protection insurance. Our subsidiary Orion offers a product specially developed for municipalities, which insures areas of law such as expropriation of land, public law disputes or data protection.
What is the recommended sum insured?
This depends on the type of as well as the size of the community. We recommend an insurance sum between 5-20 million francs.
What supplementary insurance do you recommend for my business?
Our quotes already include a non-binding, community-specific proposal. We are happy to provide you with personal and individual advice.
Does the insurance cover also apply to business trips abroad (e.g. community representatives or teachers visit a partner community/school abroad)?
Yes, liability protection in connection with business trips abroad is provided (except to the USA/Canada).
To what extent are the organization and conduct of events insured?
The legal liability from the organization and conducts of events with up to 5,000 visitors/participants per day is insured (e.g. village festivals, celebrations, parades, bazaars, ski, class and other camps, council and school trips, excursions, theatre and music performances, sports events), including the associated non-permanent structures (e.g. non-permanent grandstands and platforms, festival huts, tents) as well as from the operation of caterers.
Does the community have cover, if it acts as the principal for a construction site?
For projects up to CHF 2 million construction costs without dangerous work (e.g. ramming, vibrating, blasting, driving under) insurance protection in the sense of precautionary coverage is provided. We recommend that you check whether a further separate owner's liability insurance is necessary.