Business Insurance

Public liability

or professional liability

Public liability insurance covers liability claims, which have been culpably caused to a third party due to operating activities of a company. In case of unfounded claims, then public liability insurance shall reject them, if necessary by means of legal proceedings. There is liability risk for both the company as a legal entity as well as for individual employees, freelancers and self-employed.

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Insurance for OA/NOA

Insurance for occupational and non-occupational accidents

In Switzerland, accident insurance constitutes a social security branch. Legal basis for this is the Federal Act of 20th March 1981 on Accident Insurance (SR 832.20).

Insured risks

- Accidents
sudden, unintended damaging action of an unusual external force on the human body

- Occupational diseases
Proven diseases, which has been exclusively or predominantly caused by occupational activities.

Insurer

- Employers in some sectors are insured at SUVA (cf. art. 66 UVG).
- In all other sectors the employer selects an approved private insurer.

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LPP insurance

Occupational pension or pension fund

Pension fund is an institution providing retirement benefits for employees of a company under the corporate pension plan.

Current data by 01.01.2013
BVG entry threshold Fr. 21,060.-;
BVG coordination deduction Fr. 24,570.-

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KKTG insurance (collective per diem sickness insurance)

Loss of earnings insurance in case of sickness

The collective per diem sickness insurance is a *“voluntary insurance” for employees, freelancers and self-employed. In case of sickness, any potential loss of income can be compensated with any such insurance .

Depending on the sector, collective health insurance may be mandatory, e.g. in painting and plastering trade

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Building guarantee insurance

or factory liability

Building guarantee insurance exists to secure the claims from warranty work. After building completion, if no cash guaranty has been agreed, a building guarantee is usually submitted by an insurance or bank.

This ensures the claims of the building contractor throughout the duration of factory warranty. Control with respect to time, maturity and return the guarantees must be provided.

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Principal's liability insurance

The Principal's liability insurance provides protection against legal liability claims due to the violation of safety duties (e.g. poor signage, bad lighting) when carrying out own building projects. .

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Corporate premises insurance

Premises insurance is an insurance covering the building, adjacent buildings and garages designated in the insurance policy. Separate buildings such as e.g. garden huts would require a respectively special enclosure. Accessories are also covered in some cases.

Risk coverage
The following risks can be insured alone or in combination: Fire, mains water, storm and hail. Other natural disasters can be additionally insured. Additionally, for example, over-voltage damage to building components can also be insured (e.g. heating system, bell system).

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business interruption insurance

Business interruption insurance is the collective term for those insurance types of non-life insurance, granting insurance coverage for loss of income due to interruption or impairment in occupational performance and efficiency.

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Company law enforcement

Legal protection insurance is a private law insurance policy in which the insurer is obliged, against payment of the policy holder's premiums, to provide the services necessary for the protection of the insured's legal interests as agreed.

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Insurance of vehicle fleet

fleet insurance

The insurance of vehicle fleet is of interest to entrepreneurs with more than five vehicles. Because motor vehicles are not driven by just one person, but are used by many employees and can therefore get more often damaged.

Even if the vehicles remain out of use for longer time at the company's premises, motor vehicles must also be protected from theft and other risks. There are several insurance companies, covering different risks. Fleet insurance does not just protect the car and maybe trucks, but also the employments and drivers.

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Comprehensive insurance package for SME's

Business insurance for SMEs combines up to 8 products for complete protection from a single source in a single policy.

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Commercial insurance

or company insurances

Commercial insurances for SMEs can include up to 8 different insurance products for comprehensive protection that can be concluded individually as needed.

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Industry insurance

Individual insurance sector-dependent package

The spectrum of Treuhand- und VersicherungsCenter includes property, liability, transport, credit, engineering insurances, energy and financial lines, as well as personal, special and risk life insurances. This way not just traditional risks are insured, but we develop along with our clients and insurance companies tailored solutions and insurance packages.

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IT insurance

Special professional liability insurance for the IT industry

With the professional liability insurance for IT companies you and your employees are protected from financial consequences resulting from damage caused unintentionally.

Typical damaging events: Programming errors, failure of an Internet platform, configuration errors in program expansion, Wrong data collection, deletion of old data with upon entry, new software or installing hardware, etc.

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Inventory insurance

comparable with household contents insurance for individuals

Inventory insurance is an insurance for companies that would like to insure their facility (e.g. machinery, office equipment) and goods and supplies against damage such as fire, mains water, storm and hail, burglary and other risks.

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Credit insurance

Commercial credit insurance

The term credit insurance means insurance of trade credit. However, it does not include loans such as mortgage loans or bank loans. These are commonly referred to as residual debt insurance and credit loss insurance.

There are different types of credit insurance. The most widely-known is the trade credit insurance, which is a credit insurance in the narrower sense, as the policyholder is also the beneficiary in the event of damage. Credit insurances in a broader sense are the fidelity insurance and surety insurance.

In trade credit insurance (synonymous: del credere insurance or trade indemnity insurance) the subject of insurance coverage is the default on receivables in cases of goods delivery or services, which is why the term trade indemnity insurance is more and more established in recent years. This insures the creditor.

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Machinery insurance

Machinery comprehensive and machinery insurance

The machinery comprehensive and machinery insurance for business technology protects you against the financial consequences of unforeseen and sudden occurrence of damaging events to stationary and mobile machinery, technical apparatus, equipment and mechanical appliances .

The machinery comprehensive insurance covers damages resulting from violent external acts. The machinery insurance also covers damage internal operation damages.

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Exhibition insurance

A kind of transportation insurance

Exhibition insurance is a type of transportation insurance, which also applies during the dwell time of exhibition or trade fair.

An exhibition insurance makes financial risk predictable in the long run. Trade fair booth, design and decoration can be included in the insurance.

Types of risks:
Accident of the means of transport, fire, lightning, explosion, theft, burglary, water damage, breakage, malicious damage by external persons, etc.

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Loss of rental insurance

Rent loss due to damage to the leased property

Loss of rental insurance provides financial compensation in case of loss of rental income due to damaged facilities. Property owners who rent their properties for commercial purposes or privately are usually dependent strongly on rental income.

This rental income some frequently pay off their homes, while others need this income to secure their living. If the owner is deprived of such rental income, this can sometimes lead to serious financial problems and in case of prolonged loss of rent this can even cause them to become insolvent or sell the property. To get protected from such a case, they are offered a loss of rental insurance.

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Security deposit insurance

The security deposit insurance is one of the security deposits. The security deposit insurance can be concluded by private and commercial tenants to secure tenancies.

For the tenant, concluding a security deposit insurance is an alternative to paying a cash security deposit, to transferring a security deposit passbook or to applying for a bank guarantee.

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Erection all risks insurance

Insurance coverage during erection and trial operation

With the erection all risks insurance, the Client is deprived from risks of property damage and unloading of machine parts and the transfer of a plant.

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Transportation insurance

Nothing remains uninsured !

With the transport insurance, insurance is offered for goods in transit (goods insurance) and means of transportation (comprehensive insurance) in terms of risks at transportation routes.

Adequate insurance is required depending on the nature of interests of the parties involved in the transport, depending on the nature of goods in transit and means of transport, on the general or special transportation risks and other risks and analogous to the different liability principles and limitations of the transport carrier.

Standard transportation insurance distinguishes “protection criteria” such as transport route, insured interest and insurance period.

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etc.

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Business Insurance

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