Commercial Liability Insurance 2026
Essential security for your business. We protect you from the financial consequences of third-party liability claims.
Indispensable protection for every business
Whether you are a craftsman, service provider, or shop owner: a small mistake in daily business operations can have devastating financial consequences. Commercial liability insurance protects you and your employees if third parties suffer damage due to your business activities. It not only covers justified personal injury and property damage claims but also defends your company against unfounded claims. In Switzerland, this protection is the foundation of any solid risk management strategy for SMEs.
- ✔ Personal Injury: Coverage for injuries to customers or third parties.
- ✔ Property Damage: Protection for damage to third-party property during work.
- ✔ Premises & Professional Risk: Comprehensive coverage for your business infrastructure.
- ✔ Passive Legal Protection: Coverage of costs to defend against unjustified claims.
- ✔ Individual Modules: Adaptable to sectors such as construction, IT, or gastronomy.
Important Questions About Commercial Liability
Companies have unlimited liability for damages caused by the business or its employees. Without insurance, high claims can lead directly to company bankruptcy.
Commercial liability covers mostly personal injury and property damage (e.g., a customer trips in your shop). Professional indemnity covers pure financial losses, which is particularly important for consultants, trustees, or lawyers.
This depends heavily on the respective policy. In many standard contracts, subcontractors are not automatically covered. We will gladly check your existing policy for this gap.
In Switzerland, a coverage amount of 3 to 5 million francs is customary for SMEs. For high-risk sectors like construction, a higher sum can be reasonable.
Yes, tenant damage to commercial premises is usually an integral part of commercial liability insurance.
Solutions for Every Industry
Tailor-made insurance concepts for your specific business risks.
Crafts & Construction
Special protection for the construction industry including rectification damage.
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Do you have questions about your insurance?
Our experts will advise you personally and find the best offer for your situation.