In addition to standard insurance policies, Switzerland offers a wide range of specialized insurance policies that cover specific needs and risks. These policies offer comprehensive protection in various areas of life and business:

Building insurance

Protects construction projects against risks such as construction site damage and third-party liability claims.

This insurance provides protection during the construction phase of a project and is crucial for contractors and real estate developers. It covers not only damage to the construction site and building materials, but also third-party liability claims that may arise from construction activities. This cover minimizes financial risks arising from accidents or delays during construction.

D&O insurance (Directors and Officers)

Protects company managers from personal financial losses due to liability claims.

This insurance protects the personal assets of executives and board members of a company against liability claims that may result from their business decisions. D&O insurance is essential for managers and directors to protect themselves against legal consequences and the associated financial risks.

Drone insurance

Provides protection for drone operators, including liability and comprehensive insurance.

In Switzerland, liability insurance for drone operators is required by law as soon as the drone weighs more than 500 grams. This insurance covers damage that could be caused by the drone to third parties, such as personal injury or damage to property. It is important that the insurance provides cover of at least one million Swiss francs.

There is no compulsory insurance for lighter drones weighing less than 500 grams, but voluntary liability insurance is strongly recommended to protect against possible claims for damages.

It is also advisable to consider drone insurance, regardless of the legal obligation, if the drone is used commercially or if it flies in areas where the risk of damage or accidents is particularly high. This insurance provides additional protection and safety for both the operator and the public.

Contingency insurance

Provides protection if planned events such as concerts or conferences have to be canceled.

This insurance offers financial protection if planned events such as concerts, trade fairs or sporting events have to be canceled unexpectedly. It covers losses such as advance tickets, non-refundable costs and possible compensation.

Expatriate insurance

Provides comprehensive health and accident cover for people living and working abroad.

Expatriate insurance offers comprehensive cover for people who live and work abroad for long periods of time. It includes healthcare, emergency evacuation and sometimes even life insurance elements. It is essential for expats who want to ensure that they are well insured in their host country.

Fidelity bond insurance (fidelity insurance)

Protects companies from financial losses due to fraudulent actions by employees.

This insurance protects companies against financial losses caused by fraudulent actions by employees. It is particularly important for companies that give their employees access to sensitive information or financial resources. It helps to protect the company against internal risks such as theft, embezzlement or fraud.

Commercial legal protection insurance

Provides legal protection for companies in various business sectors.

This insurance offers companies legal protection and covers the costs of legal disputes in various business areas such as contract law, employment law and protection against unfair competition. It is essential for companies that want to protect themselves against the high costs of legal disputes.

Mortgage insurance

Protects lenders against losses that may arise from borrower defaults.

Mortgage insurance protects lenders against the risk of default on mortgage loans. In Switzerland, it is particularly relevant for banks and other financial institutions that want to protect themselves against borrower default.

IT liability insurance

Protects IT service providers from claims arising from errors and omissions.

IT liability insurance is specifically designed for IT companies and freelancers to provide protection against third party claims arising from errors and omissions that may occur in the provision of IT services. It typically covers the costs of defense, damages and other legal expenses.

Kidnap & Ransom Insurance

Provides solutions for risks of kidnapping and ransom demands.

This insurance offers protection for individuals and companies operating in high-risk regions by providing support in the event of a kidnapping or ransom demand. It usually also includes advice from crisis management experts.

Art insurance

Provides protection for valuable works of art and collections against damage or loss, ideal for galleries, museums and private collectors.

Art insurance is crucial for collectors, galleries, museums and exhibitors who own or handle valuable works of art. It protects against theft, damage and other losses that may occur during storage, transportation or exhibitions. Art insurance is particularly important for those who invest in art or regularly transport works of art.

Agricultural insurance

Protects farms and their operators against risks such as natural disasters and animal diseases.

Farmers in Switzerland can insure themselves against risks such as crop damage, livestock losses and machinery breakdowns with agricultural insurance. This insurance is essential to ensure the financial stability of agricultural businesses, as it protects against unforeseeable events such as natural disasters or outbreaks of disease.

Machinery insurance

Covers the repair or replacement of machinery and technical equipment.

Machinery insurance covers unforeseen physical damage to machinery and technical equipment that is critical to a company's operations. It helps companies to cope with the high costs of repair or replacement, thus ensuring business continuity.

Rent deposit insurance

Allows tenants to pay an insurance policy instead of a traditional deposit.

This insurance offers an alternative to the traditional cash deposit for tenants and landlords. It protects the landlord against damage or unpaid rent, while allowing tenants to use their capital for other purposes.

Political risk insurance

Protects international investments and operations from political risks such as expropriation or warlike events.

Political risk insurance is essential for companies operating in politically unstable regions. It protects investments and operating resources against political unrest, expropriation, nationalization or violent events.

Marine cargo insurance

Covers damage or loss of goods during transportation by sea.

Marine cargo insurance is very important for companies that ship goods internationally. It offers protection against loss or damage to cargo due to risks such as bad weather, accidents or piracy. This insurance ensures that companies do not have to bear the financial burden caused by such unforeseen events.

Sports insurance

Provides protection for individuals and organizations in the sports sector, including accident cover and equipment protection.

Athletes, sports clubs and organizers of sporting events need sports insurance to protect themselves against the risks of injury, equipment damage and liability claims. This insurance is tailored to the needs of the sports sector and protects both professional and amateur athletes.

Pet owner liability insurance

Covers damage caused by pets.

Pet owner's liability insurance is essential for every pet owner in Switzerland, especially when it comes to larger or potentially dangerous animals such as dogs or horses. This insurance protects against the financial consequences of damage that the animal could cause, whether through injury to other people or damage to third-party property. It is essential for pet owners to protect themselves against high compensation claims and legal consequences that may result from their pet's behavior.

Transport insurance

Transport insurance is essential for companies that transport goods by land, air or sea.

Transport insurance provides protection against loss or damage to cargo during transportation, whether on international or domestic routes. This insurance covers a variety of risks, including accidents, natural disasters, theft and other unforeseen events that may jeopardize the safety of the goods being transported. Transportation insurance is particularly important for exporters and importers who want to secure their supply chains and ensure financial stability.

Environmental insurance

Provides protection against the cost of environmental damage and covers liability risks.

Provides cover for companies whose activities have the potential to cause environmental damage. This insurance protects against the cost of remedying environmental damage caused by the company and also covers liability claims that may arise in connection with environmental damage. This is particularly important for industries such as chemicals, construction and waste management.

Event liability insurance

Protects organizers against liability claims that may arise during events.

Essential for event organizers, this insurance provides protection against liability claims related to injuries or damages that occur during an event. It is essential for the organization of both public and private events to protect against potential claims and the associated financial losses.

Valuables insurance

Valuables insurance offers special protection for valuable and often irreplaceable items such as jewelry, works of art, antiques and other precious objects. This insurance covers risks such as theft, loss or damage, regardless of whether these items are privately owned, traveling or on display. Valuables insurance is essential for owners of valuable items who need protection over and above standard household contents insurance to fully safeguard their most prized possessions.

These specialized insurance policies expand HELVETICA OPTIMUM 's broad range of insurance services and offer targeted protection for a variety of risks and requirements.

Are you missing an insurance solution? Talk to us!

HELVETICA OPTIMUM - OPTIMALLY INSURED