Earthquake Insurance

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.

Request advice now

Good reasons for the Earthquake Insurance

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.

Information and frequently asked questions about the Earthquake Insurance

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.

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.

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.

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.

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

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.

Further products and services

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.

Learn more