Supplementary cover
For industry-specific risks
Do you have questions or would you like some advice?
Commercial liability insurance explained simply
In the video, you will learn which benefits are included in the insurance and which losses are covered.
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FAQs
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Is commercial liability insurance mandatory?
In principle, no. However, for certain professional groups, liability insurance is mandatory – e.g. auto repair business owners (cf. Art. 71 of the Swiss Road Traffic Act). Cantonal regulations may also require liability insurance.
Will I also get insurance coverage in the event of a loss for which I am not liable?
Yes. Within the scope of commercial liability insurance, Zurich defends against unjustified claims. In this context, we represent insureds against claimants.
The basic insurance package also contains legal protection in criminal proceedings. Do I still require separate legal protection insurance?
Yes, because the legal protection included within the scope of commercial liability insurance is limited to civil liability law. For help with matters pertaining to other areas of the law, such as labor law or traffic law, you will need separate legal protection insurance – e.g. from Orion.
What is the territorial limit of my liability insurance?
The insurance covers claims occurring anywhere in the world. However, this excludes the U.S. and Canada.
My company operates at multiple sites throughout Switzerland. Are these all covered by the insurance?
Yes. All sites within Switzerland are covered.
What is the recommended sum insured?
For SMEs, we recommend a sum insured of 5 to 10 million Swiss francs.
What supplementary insurance do you recommend for my business?
We would be happy to offer you personal advice on this question, tailored to your industry.
Are there special conditions for new businesses and start-ups?
Yes, we grant a discount of 10 percent to start-ups for the first three years of the insurance.
Can the start date of a policy be in the past?
No, that is not possible.
What is the basis of the premium calculations for commercial liability insurance?
For the premium calculation, we generally need to know the total gross payroll subject to AHV and the turnover of the company.
Can I also insure an ancillary occupation?
Yes, this is possible. Further activities must be reported at the time the application is submitted. This includes, for example, a restaurant with a catering service or an all-round maintenance worker (building maintenance, sanitation, etc.).
