Property and assets
Contents and business interruption
Furniture, goods, equipment, and the continuity of your business after a loss.
The essentials
Property insurance protects the business's assets against events such as fire, water damage, theft or natural hazards.
But the real question is often: how long could you operate without your premises or your equipment? Business interruption cover answers that question.
The situations concerned
- Stock that varies widely with the seasons.
- IT equipment or machinery that production cannot do without.
- A business that depends on a single site.
- Third-party property entrusted to the business.
How we support you
- A realistic estimate of values and restoration periods.
- Analysis of the indemnity period needed for business interruption.
- Checking the events covered and the exclusions.
Before deciding
Points to examine
- 01New replacement value or current value, depending on the assets.
- 02The indemnity period for business interruption.
- 03Third-party property, property away from the premises, stock that fluctuates.
- 04Prevention measures required by the contract.
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
How do we estimate the value of our contents?
Starting from the fixed-asset accounts, supplemented by an estimate of new replacement value for the assets concerned. We help you build a simple, repeatable method.
Does business interruption cover salaries?
In principle it covers the loss of margin and the costs that keep running, according to the contract's definition. The details vary: they need to be read carefully.
Is theft always covered?
Simple theft and burglary are often treated differently. The security conditions of the premises can also play a role.
Are natural hazards included?
In Switzerland they are part of the usual covers for property, with specific rules. We check what your contract provides.
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.