What does property insurance not pay for?

Property insurance does not cover the following risks, for example: Damage connected with radioactivity Infectious diseases Measures due to a severe shortage situation Warlike events Flooding due to a dam breakage Claims in connection with cryptocurrencies

What supplementary insurances are available for my sector?

The following risks can be covered in addition: Simple theft Cyber risks Electronics/IT Medical technology Machines Technical Building systems Earthquakes Agriculture Transport Decision relating to Food law Deterioration of stock (spoilage)

Two women and a man are walking through a warehouse

Property insurance for companies

Everything in a single policy: Cover your business inventory, buildings and earnings in the event of losses or damage – either specifically against individual risks or globally with all-risks cover.

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Our protection for you

Unforeseeable events, such as fires, can damage goods and lead to an operational loss. We protect you against the financial consequences.

All-risks option

Covers your company's assets against all damages not explicitly excluded, including accidental damage.

Can be expanded flexibly

Depending on the industry and requirements, can be combined with modules such as cyber, electronics/IT, machines or transport.

All in one insurance policy

Protection for building, business inventory and earnings as well as additional industry-specific coverage in one complete package.

Basic coverage

Put together your insurance coverage to fit the individual needs of your company.

What would you like to insure?

Business inventory, such as goods and movable properties and equipments
Buildings and loss of rental income
Third-party property, cash assets and property located outdoors
Own and third-party motor vehicles
Loss of earnings and additional costs in the event of a business interruption
Follow-up costs, such as cost of reinstatement or clean-up

What risks do you want to insure?

All-risk coverage: all risks are insured except those that are explicitly excluded

or

Individually insurable risks: Covers certain risks (fire, natural hazard damage, theft, water, glass breakage)

Supplementary modules

Supplement your basic coverage with the following modules according to requirements:

Simple theft
Cyber security
Electronics/IT
Medical technology

After an open day, a small precision scale worth 5,000 Swiss francs is suddenly missing in an industrial company. Zurich will cover the loss.
In the company, a virus makes all network data inaccessible. Zurich arranges for a specialist to arrive within four hours to solve the complex problem of data restoration and also monitor the entire system. The insurance covers his bill of 10,000 Swiss francs.

Further insurance combinations up to premium coverage within the framework of separate cyber insurance are available.

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During a train trip to a sales appointment, a management consultant’s laptop falls off the table and the display is smashed. The costs of repair amount to CHF 1,000. Zurich lets the customer decide whether to replace the display or use the amount paid by the insurance to conveniently purchase a new laptop online. The consultant goes for the second option.

Would you like to cover your electronics/IT independently of your property insurance? Find out about our separate solutions.

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An X-ray device is faulty and starts a fire due to a short circuit. Zurich covers the costs for the repair or replacement of the device.

Would you like to cover your medical technology independently of your property insurance? Find out about our separate solutions.

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Machines
Technical building systems
Earthquakes
And much more

Game over: The new CNC mill has an internal operating fault. It turns out that the motor is defective and has to be replaced. The cost: CHF 8,000 paid for by Zurich.

Would you like to cover your machines independently of your property insurance? Find out about our separate solutions.

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When the elevator breaks down in a five-story hotel, the guests and personnel have to use the stairs. Repairing the drive mecanism costs CHF 10,000.

Would you like to cover your technical building systems independently of your property insurance? Find out about our separate solutions.

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At a metalworking company, an earthquake causes a huge crack in the supporting brickwork. The company building has to be renovated at a cost of CHF 100,000. Zurich pays.
We are happy to advise you about additional supplementary cover options that we offer for specific risks:

- Agriculture
- Transportation
- Decisions relating to food law
- Spoilage of goods

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Property insurance explained in simple terms

Key information at a glance – including examples of claims.

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FAQs

Any work can result in property damage – whether in a production business, a restaurant or a workshop. A fire or a broken device result in expenses and may even lead to the suspension of operations.
That's why property insurance is worthwhile for companies: The insurance comes into play when property damage occurs, affecting goods, your business inventory or real estate. You can choose to cover individually insurable risks or can select all-risks coverage. The most common risks are covered with individually insurable risks, while all-risks insurance covers all risks that are not explicitly excluded.
Property insurance for companies works like household contents insurance for private persons.

The regulations are different depending on the canton.

Yes, providing that loss of earnings is chosen as a coverage type.

Property insurance does not cover the following risks, for example:

Damage connected with radioactivity
Infectious diseases
Measures due to a severe shortage situation
Warlike events
Flooding due to a dam breakage
Claims in connection with cryptocurrencies

Using these valuation principles, you can determine your correct sum insured – or get advice in a Zurich general agency near you.

With Zurich Property Insurance, you can insure property damage affecting goods, fittings or real estate. You can also include the resulting loss of earnings for your company. Depending on requirements, further opportunities to expand the insurance coverage exist in the shape of various supplementary insurances, for example to cover your machines, electronic devices or goods consignments.

The "individually insurable risks" protection covers damage caused by natural hazards as well as claims due to fire, water, theft or glass breakage. As an alternative, you can cover yourself against even more risks with all-risks coverage.

As an alternative to the "individually insurable risks" cover, you can select "all-risks coverage." This protects you against all risks that are not explicitly excluded in the insurance conditions – including accidental damage.

The following risks can be covered in addition:

Simple theft
Cyber risks
Electronics/IT
Medical technology
Machines
Technical Building systems
Earthquakes
Agriculture
Transport
Decision relating to Food law
Deterioration of stock (spoilage)

Do not hesitate to call us to report a claim on 0800 80 80 80. We can be reached every day, 24 hours a day.

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Property insurance for companies

Our protection for you

All-risks option

Can be expanded flexibly

All in one insurance policy

Basic coverage

What would you like to insure?

What risks do you want to insure?

Supplementary modules

Property insurance explained in simple terms

More details

When is property insurance required?

Is property insurance mandatory?

Can loss of earnings be insured?

What does property insurance not pay for?

How can I determine the sum insured for property insurance?

What can I have covered under property insurance?

What benefits are offered by "individually insurable risks" coverage?

What is "all-risks cover"?

What supplementary insurances are available for my sector?

How can I report a claim?

Our added value for your safety

WALDIS Safes

Securitas Direct

Prevention of natural hazards

Worth knowing for SMEs

Water damage – what you need to know

A company in flames

Theft – universally well protected

Contact us