Hail damage? Storm damage?
A fire in your workshop, a flooded warehouse or stolen office equipment can result in a large financial loss that grows day by day if your business is interrupted as a result. It's worth pointing out that property insurance doesn't just cover your SME's physical assets, it also compensates you for income lost due to an insured event.
Purchase advice: 052 269 21 70
Property insurance covers all of your company's movable assets, whereas building insurance covers non-movable fixtures and fittings.
Household contents insurance covers the policyholder's personal movable property. The tools you need for your business are covered up to a maximum of CHF 20,000, but goods in storage intended for sale, semi-finished and finished products, and fixtures and fittings for business use are not.
We therefore recommend taking out separate property insurance, either in the name of your company or in your own name as sole proprietor.
When you need to make a claim, it's important to act fast, especially if you want to avoid any interruption to your business. Our "early payment after a loss event" service ensures that you receive part of the payout before we have finished processing your claim.
Both mean that the actual value of your inventory doesn't match the agreed sum insured. If you're underinsured, you don't have sufficient cover for your inventory, i.e. the amount paid out might not fully offset the loss incurred.
That can't happen if you're overinsured, which means that the sum insured is higher than the actual value of your inventory. This can serve as contingent coverage, for example in the event that your company's value concentration increases. However, it also makes the premium higher than it would be if the sum insured matched the actual value.
We therefore recommend making a record of all your property during a consultation and then updating the sum insured on a regular basis in subsequent years.
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