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.
Protect your company buildings, inventories, income, transports, machines and IT equipment under a single, compact insurance policy.
All-round protection for SMEs
SMEs can get unbeatable all-round protection through the new All Risks product that delivers highly beneficial comprehensive coverage at a small extra charge.
Tailored coverage
Select the specific insurance coverage elements that are relevant to your industry. So you get a customized insurance solution to meet your individual requirements.
Benefits at a glance
Damage? Destruction? Lost property? Sleep easier at night with comprehensive All Risks protection.
Flexible protection for your business: You decide what risks to obtain coverage for.
Less paperwork: Get comprehensive coverage under a single insurance policy.
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.
Fewer details
More details
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
Supplementary insurance
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
Office 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
Industry-specific solutions
The right product for your industry
With Zurich you can find the right insurance solution for any industry: be it a bedbug insurance for hotel owners, a goods spoilage insurance for caterers, an office electronics insurance for a trustee or a transport insurance for a garage business.
Our insurance products are adaptable to meet needs connected with your work and cover your risk exposures in day-to-day business operations. Our insurance experts would be pleased to discuss your range of options with you.
70,000
is the number of times per year that Swiss fire fighters respond to calls.
5
billion is the amount of domestic damage in francs caused by weather events within the past five years.
200,000
SMEs trust us to protect their business.
Our corporate client advisors have an average 20 years of professional experience.
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, epidemics, earthquakes, office 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.
Two out of every five Swiss companies have experienced a cyber attack. If you too should be targeted you can contact Zurich Crisis Management 24 hours a day for help, to keep a hacking incident from turning into a disaster for you.
Has a trailer tipped over, or have your goods been delivered too late? Transport insurance protects your company worldwide when goods are damaged en route or liability claims are asserted against you.