Zurich property insurance

Zurich Property Insurance

You take care of running your business, we take care of covering your risks. Your company is exposed to numerous risks in its daily business operations: Fires, floods, break-ins and even minor accidents can have major consequences. Operations may have to cease and customers may be lost, with grave impact. Obtain crucial protection – and now you can even choose for a worry-free ‘All Risks’ solution.

Why should you get a property insurance?

Advantages of property insurance

  • A friend in need: Protect your invested capital against unforeseeable events such as fire or water damage.
  • Expenses, but no income? If, for example, you have to close for a short time due to water damage or fire, we'll cover your rent and wage payments. Even your operating profit is insured.
  • And you're still not alone after that: After an insured event, we will cover your additional expenses such as clean-up costs and loss on receivables.
  • We'll lend a hand: Our partners' IT experts will do their best to recover your data and IT systems after a hacker attack.
  • Mishap on the road? Property insurance also protects your goods from damage and loss that occurs during transportation to customers or yourself. 

Advantages as a Zurich customer

  • Less paperwork: Get comprehensive coverage under a single insurance policy.
  • Damage? Destruction? Lost property? SMEs can get unbeatable all-round protection through the new All Risks product that delivers highly beneficial comprehensive coverage.
  • Flexible protection for your business: Our insurance products are adaptable to meet needs connected with your work and cover your risk exposures in day-to-day business operations.
  • Important supplementary insurance: Protect yourself against cyber attacks, machine damage, transport and many other risks, in line with your requirements. 
  • Little accident? All Risks insurance even covers mishaps involving you or your employees.
emergency interventions per year by fire fighters in Switzerland.
billion francs of domestic damage caused in Switzerland by weather events within the past five years.
SMEs trust us to protect their business.
Our corporate client advisors have an average 20 years of professional experience.

Scope of coverage of the basic insurance

  • for your business inventories, such as goods and equipment
  • for your building 
  • for third-party property, visitors’ personal effects, items of monetary value and outdoor property items
  • for owned and third-party motor vehicles not covered under a separate car insurance policy
  • damage resulting from fire, for example conflagration, smoke, lightning strike or explosion
  • damage resulting from natural hazards, for example inundation, floods, storms or hail
  • damage resulting from water, for example liquid escaping from pipes, systems or containers
  • damage resulting from break-in; when someone forcibly enters your home
  • damage resulting from robbery, if someone forcibly removes your property from your person.
  • All Risks supplemental insurance coverage of everything that is not explicitly excluded
  • We also cover necessary follow-up costs and resulting lost income (for example, in case of fire) are also covered
Fewer details
Supplementary insurance

Examples of the supplementary insurance options we offer

You can add on the following supplemental coverage options in modular fashion as required:

  • Simple theft: When something is stolen from you without any indication of a break-in
  • Cyber risks: Zurich covers system and data recovery costs necessary following cyber attacks and virus incidents
  • Epidemics: Business closure and destruction of goods by official order (epidemic risk) and spoilage of goods in refrigerated containers due to technical defect or power failure
  • Earthquakes: We pay compensation for damage caused by earthquake, in supplement to benefits paid by cantonal building insurers as applicable
  • Electronics: Laptops, PCs, printers – day-to-day office operations involve a lot of technical equipment
  • Machinery: All-round protection for your company’s machines and technical systems
  • Standard domestic installations: Insurance coverage for elevators, heating and air systems and other technical building systems
  • Transport: Protect your transported cargo against damage and loss
  • Building liability: Protect yourself against liability claims as building owner

Frequently asked questions about property insurance

Questions frequently asked by customers

What all can I have covered under property insurance?

  • Business inventories, such as furniture, equipment and warehouse stock
  • Real estate used commercially, such as factory and office buildings and multi-family housing
  • Technical equipment such as computers, machines, heating systems and elevators
  • Income generated by your company, and also rental income
  • Costs incurred as a result of damage, such as for cleanup work

What is included in the basic insurance coverage?

Insure specific classic risks like fire and weather damage, theft, water damage and glass breakage, or go with All Risks insurance for comprehensive coverage including all classic risks.

What is ‘All Risks’ about?

All Risks insurance affords the best protection for SMEs. This means that everything not explicitly excluded is covered, including even damage caused by little accidents alongside fire, water damage and break-in insurance, for example.

Isn’t comprehensive coverage far too expensive?

You will be pleasantly surprised to find out that All Risks comes at a modest extra charge but affords major benefits.

What supplemental modules can I add on to the property insurance?

You can add on the following supplemental coverage options in modular fashion as required: simple theft, cyber risks, medical technology, earthquakes, electronics, machinery, technical building systems, transport and building liability.

What do I do if I have a claim?

You can contact us 24 hours a day, 7 days a week. We will immediately help you with your claim so you can be back for your customers as quickly as possible. We not only pay for direct damage/losses, but also cleanup costs and any replacement facilities. By request we will even arrange for a specialist to replace a door after a break-in, set up a drying machine after flooding or provide other relevant services.


Our advisory services

Protect yourself - we will be happy to advise you.