Accident Insurance (Unfallversicherung)
Accident insurance pays a benefit when a sudden, externally acting event causes involuntary bodily injury to the insured person, regardless of where the event occurs.
Coverages
Coverage components and lines of business in commercial insurance at a glance.
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Animal Insurance (Tierversicherung)
Animal insurance covers veterinary treatment costs and the actual cash value of pets or livestock in the event of illness, accident, or death.
Animal Owner Liability Insurance (Tierhalterhaftpflichtversicherung)
Animal owner liability insurance covers third-party damages claims caused by an animal kept by the insured, in particular under strict, no-fault owner liability.
Annuity Insurance (Rentenversicherung)
Annuity insurance is a form of life insurance under which the insurer grants the insured a regular lifelong or time-limited annuity payment from an agreed starting date.
Assistance Insurance
Assistance insurance covers emergency services such as breakdown help, repatriation, or organising medical care at home or abroad, rather than merely providing financial compensation.
Aviation Insurance (Luftfahrtversicherung)
Aviation insurance covers hull and liability risks associated with the operation of aircraft and, due to the high individual risk exposures involved, is predominantly underwritten in the international specialty insurance market.
Bicycle Insurance (E-Bike Insurance)
Bicycle insurance covers theft, vandalism, and damage to bicycles and e-bikes, supplementing the usually tightly limited bicycle cover under household contents insurance.
Builder's (Owner's) Liability Insurance
Builder's liability insurance covers a project owner's statutory liability for bodily injury and property damage suffered by third parties in connection with a construction project.
Business Interruption (BI)
Business interruption insurance replaces lost operating profit and continuing costs when an insured physical damage event interrupts business operations.
Business Travel Accident Insurance (BTA / Corporate Travel)
Business travel accident insurance (BTA, corporate travel insurance) is an annual policy taken out by the employer that protects employees on business trips with accident capital, medical expenses abroad, medical and security evacuation, repatriation, baggage, cancellation and assistance benefits – supplementing statutory accident insurance, which in principle already covers accidents on business trips.
Cantonal Building Insurance
Cantonal building insurance is a public-law insurance institution that holds a statutory monopoly on natural hazard insurance for buildings in a number of Swiss cantons.
Cash Shortage Insurance (Mankoversicherung)
Cash shortage insurance covers cash-handling employees against personal liability toward their employer for unexplained shortfalls arising in the course of their duties involving cash, securities, or goods.
Child Disability Insurance (Kinderinvaliditätsversicherung)
Child disability insurance is personal insurance that pays a capital sum or a lifelong annuity where a child becomes permanently disabled as a result of accident or illness, closing the gap left by private accident insurance (accidents only) and social insurance (no or low disability benefits for children).
Comprehensive Motor Insurance (Kaskoversicherung)
Comprehensive motor insurance covers damage to the policyholder's own vehicle and is divided into partial and fully comprehensive cover, which differ in the scope of insured perils.
Construction & Erection All Risks (CAR/EAR)
Construction all risks (CAR) and erection all risks (EAR) insurance covers unforeseen damage to construction works, plant and site facilities during the project and erection phase.
Contingent Business Interruption (CBI)
CBI cover insures interruption losses triggered by physical damage at third parties – in particular suppliers, customers or utility providers.
Cyber Insurance
Cyber insurance covers first-party and third-party losses from information security breaches – such as business interruption after ransomware, data restoration, liability and crisis services.
D&O Insurance
D&O insurance (directors and officers liability) protects board members and senior executives against personal financial loss from alleged breaches of duty in their corporate roles.
Daily Sickness Benefit Insurance (Krankentagegeldversicherung)
Daily sickness benefit insurance pays an agreed daily benefit during incapacity for work due to illness or accident, to compensate for the resulting loss of income, typically after a deferred period has elapsed.
Dental Supplementary Insurance
Dental supplementary insurance is private supplementary cover for dental treatment and dentures beyond the benefits provided by Germany's statutory health insurance (GKV).
Directors and Officers Liability Insurance (D&O)
D&O insurance covers the personal legal liability of executive management, board members, and supervisory board members for financial losses caused by a breach of duty in the exercise of their office.
Drone Insurance
Drone insurance covers liability and, optionally, hull risks arising from the operation of unmanned aircraft systems (UAS/UAV) and is in many cases a statutory requirement.
Electronic Equipment Insurance
Electronic equipment insurance covers damage to electronic devices and systems from virtually all unforeseen events, including operating errors and internal breakdown.
Employment Legal Protection Insurance
Employment legal protection is a benefit category of legal expenses insurance covering judicial and out-of-court representation of legal interests arising from employment and public-service relationships.
Employment Practices Liability Insurance (EPLI)
EPLI covers claims for damages by employees against their employer arising from unlawful employment practices such as discrimination, harassment, or wrongful termination.
Environmental Liability Insurance (Umwelthaftpflichtversicherung)
Environmental liability insurance covers third-party damages claims and the costs of remediating environmental damage caused by the operation of an insured facility or activity.
Event Cancellation Insurance
Event cancellation insurance covers the financial loss an organiser incurs when an event is cancelled, interrupted, postponed, or curtailed for an insured reason.
Fidelity Insurance (Vertrauensschadenversicherung)
Fidelity insurance covers financial losses suffered by the policyholder as a result of intentional wrongful acts by its own employees or other persons in a position of trust.
Fleet Insurance
Fleet insurance covers multiple vehicles of a single owner under one unified policy with collective premium pricing.
Funeral Expense Insurance (Sterbegeldversicherung)
Funeral expense insurance is a life insurance policy with a comparatively low death benefit intended to cover the funeral costs of the insured person.
General Liability Insurance (Commercial General Liability)
General liability insurance covers statutory damages claims by third parties arising in connection with the operation of a policyholder's business.
Glass Insurance
Glass insurance covers breakage of building and furnishing glazing and certain sanitary fixtures against virtually all causes of breakage.
Group Insurance (Gruppenversicherung)
Group insurance covers a large number of persons belonging to a defined group under a single master contract with simplified enrollment conditions.
Group Personal Accident Insurance (Gruppenunfallversicherung)
Group personal accident insurance is accident insurance taken out by a company, club or association as policyholder for a defined group of persons, providing the insured persons with capital, annuity and expense benefits on accidental death, disability and other accident consequences – either around the clock or limited to occupational activity.
Health Insurance (Krankenversicherung)
Health insurance covers the cost of medical treatment, preventive care, and in some cases loss of income due to illness, and is organized in many countries as a dual system of statutory and private cover.
Homeowners Building Insurance (Wohngebäudeversicherung)
Homeowners building insurance covers damage to residential buildings caused by fire, water escape, storm, hail, and other insured perils.
Hospital Supplementary Insurance (Semi-private, Private, Flex)
Hospital supplementary insurance is a private supplementary cover under the Swiss Insurance Contract Act (VVG) that pays the additional cost of a hospital stay beyond the general ward covered by basic insurance: free choice of hospital throughout Switzerland, a two-bed (semi-private) or single room (private) and free choice of physician up to the chief physician; Flex models allow the ward to be chosen only on admission against a co-payment.
Hunting Liability Insurance (Jagdhaftpflichtversicherung)
Hunting liability insurance covers third-party claims for damages arising from the practice of hunting and is, in many jurisdictions, a precondition for obtaining a hunting license.
Intellectual Property Insurance (Immaterialgüterversicherung)
Intellectual property insurance covers costs and financial losses related to the infringement or enforcement of patent, trademark, and other intellectual property rights.
International Private Medical Insurance (IPMI)
International private medical insurance (IPMI) is comprehensive private health insurance for people living or working outside their home country, covering in-patient and out-patient treatment, medical evacuation and repatriation within a contractually defined geographical area of cover – independently of the social security system of the host or home country.
Key Person Insurance (Key-Man Insurance)
Key person insurance is a life or disability insurance policy taken out by a company on an individual who is indispensable to its business success, to cushion the financial impact of their loss.
Legal Expenses Insurance (Rechtsschutzversicherung)
Legal expenses insurance covers the costs of pursuing or defending legal claims on behalf of the insured, in particular attorney, court, and expert witness fees, within the agreed scope of legal protection.
Life Insurance (Lebensversicherung)
Life insurance is the insurance line that ties financial benefits to the death, survival, or other biometric events of the insured, encompassing both risk protection and retirement provision.
Long-Term Care Insurance (Pflegeversicherung)
Long-term care insurance covers the financial risk of needing long-term care, providing, depending on the product design, reimbursement of costs, a care allowance, or an agreed daily benefit.
Loss of Rent Insurance (Mietausfallversicherung)
Loss of rent insurance compensates the owner of a building for lost rental income when a leased property is temporarily unusable as a result of an insured physical loss.
Loss-of-Function Insurance (Grundfähigkeitsversicherung)
Loss-of-function insurance pays an annuity if the insured person permanently loses defined basic physical or mental abilities, regardless of occupation.
Machinery Insurance (Maschinenversicherung)
Machinery insurance covers unforeseen, sudden damage to operational machinery and technical plant caused by internal operational faults or operating errors.
Motor Third-Party Liability Insurance (Kfz-Haftpflichtversicherung)
Motor third-party liability insurance is the statutorily mandated insurance that covers bodily injury, property damage, and financial loss suffered by third parties caused by the operation of a motor vehicle.
Nuclear Liability Insurance
Nuclear liability insurance is a compulsory cover for the strict liability of nuclear plant operators, reinsured internationally through specialized nuclear pools.
Nuclear Liability Insurance (Kernenergiehaftpflichtversicherung)
Nuclear liability insurance covers the no-fault liability of operators of nuclear facilities for nuclear damage and is typically underwritten through specialized pools due to the extreme loss potential involved.
Occupational Disability Insurance (Berufsunfähigkeitsversicherung)
Occupational disability insurance pays an agreed pension if the insured person becomes unable, due to illness or accident, to continue practicing their most recently held occupation.
Pandemic Business Interruption Insurance
Pandemic business interruption insurance covers the financial loss a business incurs from government-ordered measures resulting from an epidemic or pandemic.
Passenger Accident Insurance (Insassenunfallversicherung)
Passenger accident insurance is a supplementary motor insurance cover that financially protects the driver and passengers of a vehicle in the event of an accident, regardless of fault.
Pension Backing Insurance (Rückdeckungsversicherung)
Pension backing insurance is a life insurance policy taken out by an employer on an employee's life to financially fund an employment-law pension or severance commitment.
Personal Liability Insurance (Privathaftpflichtversicherung)
Personal liability insurance covers an individual's legal liability for bodily injury, property damage, and financial loss culpably caused to a third party in the course of private life.
Pharmaceutical Product Liability Insurance
Pharmaceutical product liability insurance is a compulsory cover under German law that protects manufacturers against strict liability for bodily injury caused by marketed drugs.
Photovoltaic Insurance
Photovoltaic insurance covers property damage to solar power systems and the resulting loss of feed-in revenue, and is often complemented by dedicated liability cover for operating the system.
Product Liability Insurance (Produkthaftpflichtversicherung)
Product liability insurance covers the legal liability of a manufacturer or supplier for bodily injury and property damage suffered by a third party as a result of a defect in the manufacturer's product.
Professional Indemnity Insurance
Professional indemnity insurance covers financial loss suffered by a third party as a result of a professional error by a member of a regulated or liberal profession.
Professional Indemnity Insurance (Vermögensschadenhaftpflichtversicherung)
Professional indemnity insurance covers third-party damages claims arising from pure financial loss caused by a policyholder's defective professional service.
Property All Risks
Property all risks insurance covers unforeseen damage to or destruction of insured property from any peril that is not expressly excluded.
Removal Insurance (Umzugsversicherung)
Removal insurance covers transport and breakage damage to household contents and furniture caused by the moving company or third parties during a residential or office relocation.
Sports Accident Insurance (Sportunfallversicherung)
Sports accident insurance is accident insurance tailored to the practice of sport that protects athletes, clubs and federations against the financial consequences of sports accidents – death, permanent or temporary disablement, medical and rescue costs – and includes hazardous sports that are excluded or subject to reduction in standard policies.
Supplementary UVG Insurance (UVG-Zusatzversicherung, UVGZ)
Supplementary UVG insurance is a group accident insurance taken out by the employer under the VVG that tops up the benefits of Swiss compulsory accident insurance – typically by insuring the surplus salary above the UVG maximum, raising the daily allowance to 100 percent, covering private or semi-private hospital wards, providing lump sums for disability and death and waiving benefit reductions for gross negligence.
Surety Bond Insurance (Kautionsversicherung)
Surety bond insurance replaces a cash security deposit for the policyholder, with the insurer acting as surety or guarantor to a third party (the obligee) for the fulfillment of an obligation.
Term Life Insurance (Risikolebensversicherung)
Term life insurance pays an agreed death benefit if the insured person dies within a fixed term, with no savings component or accumulation of capital.
Trade Credit Insurance (Kreditversicherung)
Trade credit insurance protects businesses against the loss of receivables resulting from the insolvency or protracted default of their customers on goods or services supplied on credit.
Travel Health Insurance
Travel health insurance is a private cover against the risk of illness during a stay abroad, outside the reach of statutory health insurance protection.
Travel Insurance (Reiseversicherung)
Travel insurance bundles various coverage modules for risks associated with a trip, in particular trip cancellation costs, medical emergencies abroad, baggage, and trip interruption.
Umbrella Liability Insurance (Umbrella-Versicherung)
Umbrella liability insurance provides additional liability cover above the limits of several underlying liability policies, and can also drop down as standalone cover for risks not covered by any underlying policy.
Unit-Linked Life Insurance
In unit-linked life insurance, the policyholder bears the investment risk directly, since the maturity benefit is tied to the performance of chosen investment funds.
Valuables Insurance (Wertsachenversicherung)
Valuables insurance covers jewelry, art, collections, and other particularly valuable movable items beyond the standard sub-limits of household contents insurance.
Warehouse Insurance (Lagerversicherung)
Warehouse insurance covers property and, in part, liability risks associated with the storage of third-party goods in a warehouse, including the warehouse keeper's special duty of care liability.
Whole Life / Endowment Insurance (Kapitallebensversicherung)
Whole life / endowment insurance combines death benefit protection with a guaranteed capital payout on maturity, serving both the risk protection needs of survivors and the classic savings goal of retirement provision.
Yacht Insurance (Yachtversicherung)
Yacht insurance covers property and liability losses connected with the ownership, operation, and use of leisure boats and yachts.