Property and assets
Buildings
If you own your premises: fire, water damage, glass breakage and owner's liability.
The essentials
Owning your premises is an advantage, but also a responsibility. The rules for insuring buildings vary from canton to canton: in some, a cantonal institution is compulsorily responsible for certain risks.
We help you understand what is already covered and what needs to be added.
The situations concerned
- Acquiring or constructing a building.
- A building partly let to third parties.
- Renovation work that changes the value.
- Repeated water damage.
How we support you
- Clarifying the regime that applies in your canton.
- Checking the sum insured after works.
- Setting up supplementary covers and building owner's liability.
Before deciding
Points to examine
- 01The insured value and keeping it up to date.
- 02Water damage and its cause.
- 03The owner's liability towards tenants and third parties.
- 04The building's technical installations.
How it works
How we move forward together
- Step 1
Take stock
What you own, rent, transport or operate: we map the exposed assets and activities.
- Step 2
Analyse
Sums insured, deductibles, exclusions and conditions of cover are compared with your reality.
- Step 3
Recommend
You receive a reasoned recommendation: what is covered, what is not, and why.
- Step 4
Negotiate and place
We consult the market where relevant and check the documents issued.
- Step 5
Review
Acquisitions, relocation, a new activity: the programme is reviewed as you take your decisions.
Frequently asked questions
Your questions
Is buildings insurance compulsory in Geneva?
The regimes differ from one canton to another. We check with you the obligations and practices that apply to your building, without generalising.
Who insures water damage in a let building?
It depends on the cause of the damage and on the contracts in place on the owner's side and the tenant's side. A sound allocation avoids disputes.
Should the value be reviewed after works?
Yes, major works can change the rebuilding value. It is useful to inform the insurer.
Is building owner's liability separate?
It may be included in a business liability policy or be the subject of a separate contract. You need to make sure it exists somewhere.
Depending on your sector
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.