Property insurance for companies

Any work can result in property damage – whether in a production business, a restaurant or a workshop. A fire or a broken device result in expenses and may even lead to the suspension of operations. 
That's why property insurance is worthwhile for companies: The insurance comes into play when property damage occurs, affecting goods, your business inventory or real estate. You can choose to cover individually insurable risks or can select all-risks coverage. The most common risks are covered with individually insurable risks, while all-risks insurance covers all risks that are not explicitly excluded.
Property insurance for companies works like household contents insurance for private persons.

The regulations are different depending on the canton.

Yes, providing that loss of earnings is chosen as a coverage type.

Property insurance does not cover the following risks, for example:

• Damage connected with radioactivity
• Infectious diseases
• Measures due to a severe shortage situation
• Warlike events
• Flooding due to a dam breakage
• Claims in connection with cryptocurrencies

Using these valuation principles, you can determine your correct sum insured – or get advice in a Zurich general agency near you.

With Zurich Property Insurance, you can insure property damage affecting goods, fittings or real estate. You can also include the resulting loss of earnings for your company. Depending on requirements, further opportunities to expand the insurance coverage exist in the shape of various supplementary insurances, for example to cover your machines, electronic devices or goods consignments.