Inventory Insurance

A warehouse

Inventory Insurance for Business

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.

Everything in a single policy

Protect your business inventory and, if you so wish, also your operating revenue, buildings, transport, machinery and EDP equipment in one 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.

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 insurances

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.

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, 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.

Our advisory service

You decide which risks you want to cover. We would be glad to advise you.
Two women writing on a board.

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2 out of 5 Swiss SMEs have already experienced a cyber attack. Zurich helps you manage the consequences, whether this be a business interruption, loss of data, or claims for damages from customers and partners.

A yellow warning sign on the floor.

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