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.

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Advantages of AXA's building insurance

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

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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 200,000

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Support and frequently asked questions

Is earthquake damage covered under mandatory insurance against fire and natural forces?

No, or only inadequately. The provisions vary from canton to canton. There are major gaps in coverage here since most buildings in Switzerland are not insured against earthquake damage. Earthquake insurance can be taken out separately.
We are renovating our reception area. Do we need construction insurance?

Provided total construction costs do not exceed CHF 100,000, your planned conversion is included in AXA’s building property insurance. Construction insurance is highly recommended if construction costs exceed this amount.
Can we insure the new photovoltaic system on the roof of our assembly hall against damage?

With our supplementary insurance, "Building technology failure," you can insure your solar system against the high costs of destruction and damage.
We are selling a company building. What do we need to keep in mind regarding building property insurance?

The insurance is transferred directly to the new owner. He can reject the transfer of the contract within 30 days of the change of ownership. It is therefore important to inform the buyer of the existing contract. On request, your AXA advisor will contact the new owner. If the new owner rejects the insurance, AXA will pay you back the remainder of the premiums paid.