Visitor Accident Insurance

• Generally speaking, commercial liability insurance only indemnifies claims where the accident was caused by a defect or employee negligence. In such cases, statutory liability exists for your company, its management or workforce.
• This insurance also includes the following benefits: Medi Point (physician/hospital network) and Case Management

Zurich Visitor Accident Insurance steps in where your commercial liability insurance leaves off, which occurs when a company has no statutory liability.

Visitor accident insurance is designed for the following people

• Visitors and customers present on your company’s property and in your facilities
• Visitors and customers attending your events, even if they don’t take place on company property

Medical expenses insurance

• Accommodation and treatment in a private ward
• Free choice of physician and hospital in Switzerland
• Pays for emergency transport, rescue and recovery costs, and search efforts up to CHF 20,000

Insurance coverage for visitors in the event of loss or damage to property

• Covers damage to items worn or carried, such as clothing, glasses or goods, up to the agreed sum insured
• Zurich pays repair costs up to the maximum new replacement value
• If items have to be replaced, Zurich pays the costs of buying a new replacement less the residual value

Short-term inability to work (daily sickness benefits insurance)

• Fixed daily benefits without offset of third-party benefits
• Zurich pays per accident for a maximum of 720 days within five years following the accident

Supplement for hospitalization and health resort stays

• Daily benefit in the event of hospitalization to cover additional private expenses starting on the first day
• Benefits are paid per accident for a maximum 1,800 days

One-off capital payment for permanent disability

• Payment amounts increase with the degree of severity of the disability
• Financial support for remodeling homes or apartments to make them accessible for the disabled
• Zurich works fast to deliver funds needed in emergencies
• Financial help with purchasing the necessary aids and appliances

Additional financial protection in the event of death

• Provisions for family members: one-off capital payout
• Guarantees for credit, loans or mortgages
• Funeral costs paid
• Zurich supports any children in pursuing higher education