Inventory Insurance for Business

SMEs and cor­po­ra­tions want to know that their tangible assets and earnings are safe

Water damage in a warehouse, followed by loss of income – whether you’re an SME or an industrial firm, the financial consequences can be severe. Zurich Business Property modular inventory insurance offers you comprehensive protection against risks. With our all-risk insurance, you can even cover all loss or damage.

Insurance designed for SMEs (Zurich Business Property)

Fiduciary, bakery or service provider – every SME needs complete protection for its property, such as machines and office furniture, as well as its business income. You can create a customized insurance solution with the modular components of our basic Zurich Business Property inventory insurance and supplementary insurance.

  • Basic insurance covers the risks of fire and natural hazards (disasters), theft, water and glass breakage
  • Basic insurance also covers up to 20% of the sum insured for movable items like production machinery, costs and income, as well as offices and storage at employees' homes (external insurance)
  • Optional supplementary insurance modules: technical risks to office electronics and medical facilities; consequences of epidemic risk (loss of income due to closing down the business); transport insurance; risks such as civil unrest (riots) and malicious damage
  • Zurich does not reduce your benefit in case of underinsurance for claims that do not exceed 10% of the sum insured

By the way:
Correct valuation of machinery, work equipment and goods is the basis for your customized property insurance solution.

Insurance for industrial firms and corporations (Zurich Business Property Corporate)

For industrial firms and corporations, Zurich offers a modular insurance solution that lets you protect all of your tangible assets (e.g. production machinery and communications equipment) and business income.

  • You can insure against risks such as fire, natural hazards (disasters), civil unrest (riots), malicious damage, liquids, damage caused by vehicles, theft, glass breakage, spoiled goods and terrorism
  • Experts from Zurich’s Risk Team analyze your risks and develop a customized solution for you
  • Loss of income insurance and repercussive losses (business interruption caused by third parties, e.g. problems with suppliers) during a liability period of 24 months
  • Optional: you can also insure against earthquake damage

By the way:
You benefit from preferential terms for safes and alarm systems thanks to our partnership with Securitas Direct and Waldis Tresor AG.

All-risk insurance coverage – suitable for national companies

All-risk property insurance provides protection against all conceivable risks. Our specialists support you in your analysis – locally too, if you file a claim.

  • All-risk insurance: “Insures against all occurrences of loss that are not explicitly excluded”
  • For values insured of at least CHF 10m
  • Zurich claims inspectors support you on-site in extraordinary situations
  • Experts from Zurich’s Risk Team develop risk scenarios and solutions. They can train you to identify and handle your own risks independently
  • Additional insurance coverage for machinery, repercussive losses (e.g. due to problems with suppliers), supply failure, transports, construction and assembly services, epidemics, earthquakes and terrorism

By the way:
Zurich’s claims service won the ESPRIX Swiss Excellence Award 2011 for outstanding claims management.

Our advisory service

You decide which risks you want to cover. We would be glad to advise you.

Request advice

Find an agency

Call 0800 80 80 80

from outside Switzerland +41 44 628 98 98