Earthquake Insurance

Earthquake Insurance

The most underestimated natural disaster risk

Earthquakes bear the greatest loss potential of all natural disasters. Zurich Earthquake Insurance covers your building, household contents and business inventories, protecting you against the financial consequences of such events.

Protected against a widely underestimated risk

Did you know that the average number of earthquakes per year in Switzerland ranges between 500 and 800? The very next quake could turn out to be a big one. Earthquake insurance affords effective protection against quake events, large and small.

Closing the coverage gap at last

Earthquakes are not covered under standard property and buildings insurance policies. The financial protection afforded by cantonal buildings insurance is inadequate for the effects of major quakes. Take steps to eliminate your exposure to this risk.

Comprehensive protection, great service

Has a building suffered wall cracks – or did it collapse entirely? Zurich Earthquake Insurance compensates you for such damage, and even for earthquake-related consequential losses resulting from fires or looting, for example.

Benefits at a glance

  • Protect your property: Private individuals and small-to-mid-sized businesses can protect their real estate, household contents and business inventories against the financial consequences of earthquakes.
  • Eliminate your exposure to risk: Protect yourself against a risk that is not fully covered - if at all - under most insurance policies.
  • Protect your income and assets: Secure compensation for lost rental and business income if your property should be rendered unusable for a period of time.
  • Consequential losses covered: Earthquake insurance pays compensation for related subsequent losses due to fires, looting and other circumstances. 
  • Round-the-clock assistance: Our emergency hotline is available 24 hours a day, seven days a week, staffed by claims experts dedicated to providing you rapid assistance.
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Why are most Swiss unaware of the danger posed by earthquakes?

Severe earthquakes are rare, so people go about their lives generally unconcerned. The last major earthquake occurred in 1946 in Valais. But in fact, such occurrence could happen tomorrow – anywhere in Switzerland.

Most quakes are scarcely even noticeable. So that’s not a real problem, right?

Switzerland records between 500 and 800 tremors a year on average, most of which are minor. But small quakes can cause great damage, like costly cracking of a load-bearing wall, or water damage from pipe breakage.

Optional insurance protection against lost rental and business income is available, but what are the specifics?

For example, if you own a restaurant and it has to close for several weeks after being rendered structurally unstable in an earthquake. Zurich will then compensate you for the lost business income from the restaurant.

Isn’t earthquake insurance extremely expensive?

At just modest extra cost you get excellent protection against the natural disaster that harbors the most damage potential.

How much does coverage of consequential damages cost?

Unlike other insurers, Zurich also covers consequential damages resulting from earthquakes, if fire breaks out for example, or looting by people trying to exploit the crisis situation.

900
is the number of times the earth trembled in Switzerland in 2018.
100
billion francs in damage is what a magnitude 6.6 earthquake like the one that rocked Basel in 1356 would cause today.
4.6
on the Richter scale: that’s the magnitude of the earthquake that struck Schwyz, Uri and Glarus on March 6, 2017.

Playing it safe with everything at home

We cannot replace your favorite possessions, but we can provide their replacement value. Our contents insurance protects you against financial loss in the event of damage resulting from lightning, fire, water or theft.

Protection for your home

Water damage, burglary, fire – building insurance helps protect you against financial risks.

All-around protection for your company

Protect your property and your income against all kinds of loss or damage. Put together a customized insurance package for your company.

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Contact form – Earthquake

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