Key points at a glance
  • Comprehensive protection: Property insurance (or movables insurance) protects your company's physical assets and – like private household contents insurance – covers the costs of water or fire damage to your warehouse, IT infrastructure or factory, for example.
  • Effective protection against unforeseen events: Property insurance offers comprehensive coverage for damage caused to property by fire, natural hazards, theft or water, for example as a result of fires, lightning strikes or flooding.
  • Financial compensation for business interruption: Property insurance covers loss of earnings due to insured property damage (e.g. for renting additional space).

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Who needs AXA property insurance?

Property insurance (or movables insurance) is the business equivalent of household contents insurance and thus provides essential basic coverage for all SMEs. Whether it's a consulting firm's IT infrastructure and office equipment, a workshop's machinery and materials or an online shop's warehouse – fire or water damage, theft, and vandalism don't just cost the company a lot of money, they often prevent it from actually doing business at all.

Is property insurance mandatory?

Apart from the obligation to insure against fire and natural hazards in some cantons, property insurance is optional for companies throughout Switzerland. 

What does AXA property insurance cover?

No company is completely safe from unforeseen events. Lightning, hail, and vandalism are just some of the many things that can cause a significant material loss in an instant, making it all the more important to ensure that you have the right insurance coverage in place. Property insurance offers very specific protection for your company's movable property and valuables. In the event of a claim, it also covers any clean-up and disposal costs, lost income, and other financial losses. What's more, our early payment service ensures a fast payout with minimal paperwork, allowing you to get straight back to business.

Insured property

  • Goods: The insurance covers all goods your company manufactures itself and those it buys in, as well as raw materials, factory supplies, semi-finished and finished goods, and spare parts.
  • Inventory: Furniture in warehouses, offices, and other business premises is comprehensively covered, together with tools, machinery, and company vehicles.
  • Monetary assets: The policyholder's monetary assets – e.g. cash, securities, savings books, credit and customer cards, and signed checks – are covered.
  • Third parties' property: Property leased, rented or entrusted to your company by third parties is also covered. 

Insured risks

  • Fire: Damage caused by fires, sudden smoke, lightning, explosions, and water used to extinguish fires is covered. Fire insurance also covers damage caused by crashes or emergency landings of aircraft or spacecraft.
  • Natural hazards: The insurance covers damage caused by bad weather such as storms and hail as well as high water, flooding, avalanches, landslides, rock slides, snow load, and falling rocks.
  • Earthquakes: Damage caused by tectonic shifts in the Earth's crust is also insurable.
  • Burglary and robbery: We insure material losses due to burglaries and robberies, but not simple theft where there is no evidence that force has been used in any way.
  • Water: The forms of water damage insured include the effects of fluids such as water leaking from or into a building as well as frozen pipes and damage caused by fluids leaking from heating systems and tanks.
  • Glass breakage: The insurance covers broken glazing on buildings and furniture as well as sanitary installations.
  • Other risks: Damage resulting from civil unrest or vandalism is covered, as is damage to the company's movable property caused by fluids, molten materials or the impact of a vehicle. 

Insured premises

All of a company's premises (e.g. offices, warehouses, and branches) are insured, provided they are listed in the policy.


The premium is calculated on the basis of the individually agreed sum insured, which corresponds to the value of the insured property. To avoid being underinsured, the policyholder should regularly review the value of goods and inventory and inform AXA of any changes.

What optional coverage is available?

AXA's movables insurance is never a standard solution. Instead, it offers coverage tailored specifically to your individual business model and insurable property. You can also add industry-specific options in line with your needs.

Frequently asked questions

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