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MAGE & Associés

Service family

Property and assets

Goods, buildings, liability, vehicles, transport: protecting what the business owns and does.

Let’s talk about your business

The essentials

What the business owns, uses or entrusts to others often represents years of investment. A fire, a theft, a breakdown or a claim can interrupt the business.

We build a consistent programme with you, in which every contract has its place and the limits are known before a loss, not after.

In this family

The services in detail

Contents and business interruptionFurniture, goods, equipment, and the continuity of your business after a loss.BuildingsIf you own your premises: fire, water damage, glass breakage and owner's liability.Business liabilityDamage caused to third parties by your activity, your products or your employees.Business legal protectionSupport to defend the interests of the business in a dispute.Vehicles and fleetsFrom a few vehicles to a whole fleet: covers, drivers and claims follow-up.Goods in transitGoods on the move, in Switzerland or abroad, carried by you or by a carrier.Engineering insuranceMachinery, installations and electronics: breakdown, failure and production stoppage.Fine art and valuablesArtworks, collections and precious objects displayed at the business or at the homes of its executives.

The situations concerned

  • You no longer know exactly what your various contracts cover.
  • You have invested in new machinery, premises or vehicles.
  • A loss has revealed underinsurance or an unexpected exclusion.
  • You are developing a new activity or an activity abroad.

How we support you

  • Mapping your assets, activities and liabilities.
  • Reading existing contracts and spotting duplications or gaps.
  • Recommending a consistent programme and consulting the market.
  • Following changes and claims.

Before deciding

Points to examine

  1. 01Sums insured and the risk of underinsurance.
  2. 02Business interruption cover.
  3. 03Deductibles and their effect on cash flow.
  4. 04The exclusions specific to your activity.

How it works

How we move forward together

  1. Step 1

    Take stock

    What you own, rent, transport or operate: we map the exposed assets and activities.

  2. Step 2

    Analyse

    Sums insured, deductibles, exclusions and conditions of cover are compared with your reality.

  3. Step 3

    Recommend

    You receive a reasoned recommendation: what is covered, what is not, and why.

  4. Step 4

    Negotiate and place

    We consult the market where relevant and check the documents issued.

  5. Step 5

    Review

    Acquisitions, relocation, a new activity: the programme is reviewed as you take your decisions.

Frequently asked questions

Your questions

Where should we start when reviewing our property insurance?

With a simple inventory: what you own, where, at what value, and what would stop your business. The contracts are then read in the light of this inventory.

What is underinsurance?

When the sum insured is lower than the actual value, compensation may be reduced proportionally. It is a point to check regularly.

Should all contracts be grouped with one insurer?

A combined contract can be practical for a small organisation; separate contracts may be better suited to specific risks. There is no single rule.

Is business interruption included?

Not always, and not always for the right period. It is often the cover that matters most for the survival of the business after a loss.

Related services

Contents and business interruptionBusiness liabilityI-MAGE: analysing your risks, organising your protection

Useful resources

Annual insurance audit: the checklistInsurance renewals and cancellations: preparing your calendar

Let’s talk about your business.

A first conversation to understand your situation, with no obligation. Call us or write to us.

+41 22 552 22 49 info@mage-associes.ch
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