Your sector
Real estate and property management: clarifying roles, organising follow-up
One building, several responsibilities: start with each party's role.
Let’s talk about your businessStarting from what you actually do.
Owners, property management companies and occupants have different property and commitments. When damage occurs, a misdirected notification can complicate communication. We compare your actual activities, mandates and policies to make this allocation clear.
A property portfolio changes through acquisitions, new uses, renovations or changes of occupant. An up-to-date overview allows values, responsibilities and financial consequences to be assessed without applying the same building insurance rules to every canton.
In your day-to-day work
Three situations to examine
- 01
A building joins the portfolio
Identify the property, uses and contracts taken over. Clarify who reports changes, who holds the documents and what information needs to be confirmed with insurers.
- 02
An occupied building is renovated
Distinguish between the works under way, existing parts of the building and occupants' property. Coordinate contractors, owner and property management company before assuming that standard insurance covers every type of damage.
- 03
Damage disrupts occupancy
Arrange measures to prevent further damage with the relevant parties, document the facts and direct notifications to the appropriate policies. Assess the impact on income separately.
Points to watch
- Mandates and leases: distinguish between delegated management, the owner's obligations and the occupant's commitments.
- Values and uses: check the inventory, recent works and rules applicable to each building against one another.
- Damage and income: check the events, limits and conditions for each item rather than assuming everything will be reimbursed.
How we support you
We work with you to assess each building and each role, then check for discrepancies between the documents and the current situation. For a claim, references, supporting documents and contacts are brought together in a shared follow-up process. Decisions on works, legal responsibilities and contracts continue to be reviewed with the relevant specialists.
Documents to prepare
- Inventory of buildings, locations, uses and values
- Leases, management mandates and delegated activities
- Policies and endorsements for each property and liability
- Works files, contracts and handover records
- Timeline of damage, photographs and relevant correspondence
Frequently asked questions
Your questions
Can the owner and property management company use the same assessment?
They can coordinate their information, but their roles and commitments must remain distinct. A buildings policy alone does not cover the activities entrusted to the property management company.
Are building insurance rules the same throughout French-speaking Switzerland?
No. Do not apply one canton's rules to every building. Review each location, the cover already in place and relevant additional cover.
Who reports damage in rented premises?
Clarify which policies may be involved and the steps each party needs to take. A shared timeline helps coordinate notifications without assigning responsibility before the matter has been assessed.
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.