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Building insurance

Building insurance

A loss event in a commercial building can seriously damage your infrastructure and resources and endanger running operations. AXA helps you make the right assessment of your building risks, adjusted to account for the local cantonal provisions.

  • Free Claims Service: 24 hours a day, 365 days a year
  • Sector-specific modules
  • Loss of earnings can be insured

Insure building risks optimally

Building property insurance against fire and damage from natural forces and building liability insurance represent the minimum coverage needed for your company building. Supplement this minimum coverage with additional insurance options and modify the amount of your insurance accordingly.

Building property insurance

The umbrella term "building property insurance" includes all insurance types that cover property damage. A whole series of different modules can be combined.

  • Fire insurance incl. events caused by natural forces (excl. earthquakes): All buildings in Switzerland must be covered by fire insurance unless they are in the canton of Geneva, Valais or Ticino.
  • Water insurance (incl. rental income)
  • Earthquake insurance
  • Building technology failure
  • Extended coverage in case of vandalism, rodents or vehicle impact
  • Renovations and conversions up to CHF 100,000
  • Burglary insurance
  • Glass breakage insurance

Recommendation:

Buildings are usually insured at replacement value. In order that this amount can be regularly updated in accordance with the construction cost index and to ensure that no underinsurance develops over the years, the inclusion of the automatic adjustment of the amount of insurance is recommended.

Building liability insurance

Claims for damages due to personal injury or property damage that are filed against you as the owner of commercial buildings and land are covered. AXA rejects claims that are unsubstantiated or excessive on your behalf.

Insured areas and coverage:

  • Damaged stairs
  • Loose roof tiles
  • Sliding carpets
  • Black ice on paths and in front of houses
  • Unsecured shafts and holes
  • Ponds, basins, pools
  • Passenger elevators
  • Tank systems
  • Parking spaces and parking garages for motor vehicles
  • Children's playgrounds
  • Ancillary buildings, tool sheds, greenhouses
  • Use of vehicles for the maintenance of insured buildings and land
  • Loss prevention costs prior to imminent personal injury or property damage
  • Environmental impairment due to sudden events
  • Builder's liability up to CHF 100,000

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