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Vehicle and fleet insurance for PME

Civil liability insurance
Civil liability insurance. (Compulsory for all motor vehicles). Covers personal injury and material damage caused to third parties.
Hull insurance
This cover is optional.
Partial hull:
– Partial hull covers damage to the vehicle itself which is not the responsibility of the owner or driver. This cover includes glass breakage, theft, fire, natural damage, collision with animals and vandalism.
– The full hull has all the same coverage as the partial hull, and also covers damage to the vehicle itself in the event of a collision.
Complementary
Very important! Make sure you know what covers you can add, such as damage to the car park, personal belongings and headlight damage. You can also include bonus protection to avoid a possible bonus in the event of an accident as well as protection in the event of serious negligence.
Accident insurance
Passenger insurance. With this cover, you can protect yourself and your passengers from the financial consequences of an accident.

Property and company liability and inventory insurance

Civil liability insurance: Covers personal injury and material damage caused to third parties.
Fire and natural damage insurance
– Covers damage caused by bad weather and fire (compulsory in almost all cantons);
– Water damage and Earthquake insurance: This is optional cover, but it is still very important;
– Construction liability.
Inventory insurance
This cover protects the company’s inventory against fire, natural damage, theft, water damage, etc. You can also add loss of business cover.

PME legal protection

– Legal protection of circulation;
– Legal protection for companies.

Loss of salary in case of accident/sickness

– Daily accident allowance;
– Medical costs;
– Validity & Death, and much more;
– Sick pay loss insurance max. 720 days out of every 900.