Commercial liability insurance is important for companies. It pays out if other people or companies are legitimately asking for money, for example after an accident or damage to property. It also covers claims that are unjustified or too high. Since such cases often cost a lot of money, good protection is important.
Who is the insurance suitable for?
For all companies, because claims for damages can put a company in big trouble.

Example: Restaurant Alpenblick is a family-run restaurant with 25 employees. At a summer party with a buffet in the garden, a guest stumbles over a cable and injures their knee. They claim compensation for medical costs and loss of earnings.
Generali’s commercial liability insurance pays when the claims are justified and checks whether they are lawful. This protects the restaurant from high costs and problems with the law.

When employees fall ill, it can be expensive for the company they work for. Depending on the canton, the employee’s profession and their length of employment, the company must continue to pay their salary for a certain period of time. Our daily sickness allowance insurance covers these costs and protects your company from major expenses. At the same time, we support preventive measures to reduce employee absences.
Who is the insurance suitable for?
Daily sickness allowance insurance is ideal for companies when employees fall ill and are unable to work. It provides protection against high costs and gives employees money if they become ill.

Example: Blütenwerk AG has eight employees. A sales employee is absent for several weeks after getting severe flu.
The company has daily sickness allowance insurance, with a waiting period of 30 days. From day 31 of an illness, the daily sickness allowance insurance covers 80% of the insured salary. This relieves the financial burden on the company and allows it to organise a replacement employee. At the same time, the sick employee will continue to receive their salary. This sends an important message of appreciation and care.

Accident insurance is compulsory for employers in Switzerland. This means that every company must insure its employees against accidents. Accident insurance provides protection for both occupational and non-occupational accidents and it covers up to 80% of the final salary. Our supplementary UVG accident insurance is a useful addition. This goes beyond the mandatory UVG benefits and improves financial security in the event of accidents.
Who is the insurance suitable for?
Every employer must insure their employees against accidents. Employees who work more than eight hours a week are additionally insured against non-occupational accidents.

Example: Müller & Partner GmbH is a small architectural firm with 12 employees. Among other roles, the firm employs site managers who regularly visit construction sites. One day, a site manager falls on a construction site and breaks his leg. He cannot work for several months.
Compulsory accident insurance (UVG) covers 80% of his salary. Because the architecture firm has taken out supplementary UVG insurance, the site manager receives his full salary and contributions towards rehabilitation costs. This ensures that he remains financially secure – and demonstrates the company’s responsibility and care towards its employees.

Business inventory insurance protects your inventory against damage, for example caused by fire, storm, theft, water or glass breakage. Your entire equipment and inventory are insured. It also covers additional costs such as clean-up, disposal and emergency measures.
Who is the insurance suitable for?
For all companies with movable property and furniture.

Example: Kaffeewerkstatt GmbH is a small café with its own roasting facility. The café is broken into at night. The perpetrators steal expensive coffee machines, other equipment and some of the freshly roasted beans. In addition, the entrance door is damaged.
With business inventory insurance, Generali pays for new devices and goods that are stolen and assumes the costs of repairing damaged equipment. This means that the café can reopen quickly – and guests will soon be enjoying their favourite coffee again.

Business interruption insurance protects companies against financial loss if they are no longer able to continue working due to insured property damage. It pays for lost profits, fixed costs and additional expenses in order to keep the business running.
Who is the insurance suitable for?
For all companies that would suffer major financial losses in the event of disruption to their operations.

Example: TrendMode AG is a fashion store in the city centre. It gets severely damaged by a burst water pipe. The water destroys parts of the fixtures and fittings and the current collection. The store has to close for several days to repair the damage and buy new clothes.
Thanks to business interruption insurance, Generali covers the lost profit during the closure. It also pays for ongoing fixed costs such as salaries and rent. This allows the business to reopen quickly – without incurring financial losses.

Depending on the contract, technical insurance covers machinery, technical equipment and devices or IT and communication technology equipment. It pays out in the event of unexpected damage or breakdown.
Who is the insurance suitable for?
For all companies whose operations depend heavily on IT and technical equipment. This insurance is the ideal supplement to your business inventory insurance.

Example: MediScan GmbH is a small radiology centre that relies on modern diagnostic technology. One day, the owner drops the digital X-ray machine and it is damaged. It can be repaired. Thanks to technical insurance, Generali pays for the repairs. This allows the practice to continue working and patients to continue receiving care.

Goods and personal belongings are exposed to various risks when being transported. Transport insurance provides comprehensive protection against loss, theft, damage and destruction when transported by you or on business trips.
Who is the insurance suitable for?
For companies that regularly transport goods or personal belongings and want to avoid potential risks in the process.

Example: VisionTech AG does product design and often travels to international trade fairs to showcase new models. On the flight to a trade fair in Germany, a suitcase containing sensitive 3D printed models and design samples is damaged.
Thanks to transport insurance, Generali covers the costs of the damaged items as well as the purchase of a replacement at short notice on location. This allows the company to take part in the trade fair as planned – with no financial loss or organisational impact.

Accidents can happen quickly and can be expensive. Motor vehicle insurance provides reliable and flexible protection for your company vehicles. Choose precisely the protection you need, from mandatory third-party liability to comprehensive accidental damage insurance. If necessary, supplement your basic cover with additional benefits such as no-claims bonus protection, parking damage or assistance. For full peace of mind when your vehicles are on the road.
Who is the insurance suitable for?
Ideal for companies with up to four vehicles.

Example: BlumenArt GmbH is a florist with three delivery vans that bring fresh flowers to customers in the region every day. On the way to a wedding, a vehicle has a rear-end collision. The damage is extensive and the delivery van can no longer be driven for the time being.
Thanks to motor vehicle insurance with comprehensive accidental damage cover and assistance cover, Generali pays for the repairs and organises a replacement vehicle. In addition, no-claims bonus protection provides cover against the premium level being downgraded. This enables the company to remain mobile – and the floral decorations arrive on time for the wedding.

Where many vehicles are on the road, the risk of incidents increases. With our motor fleet insurance, all your company’s vehicles are well insured. In addition to the mandatory third-party liability insurance, you can also get supplementary insurance for things like parking damage, breakdown assistance and cross liability.
Who is the insurance suitable for?
For companies that own five or more vehicles and want to get the best insurance for them.

Example: MediCare Solutions AG sells medical devices and has ten sales employees. They drive their company cars all over Switzerland every day. An employee has a rear-end collision on their way to a hospital appointment. The vehicle is damaged and needs to go to the garage.
Thanks to motor fleet insurance with breakdown assistance, the car is quickly towed away and a replacement vehicle organised. The repair costs are covered by Generali, as is the damage to the third-party vehicle. The central management of the fleet saves the company time and money – and the field service remains mobile.

Your business premises represent your company. Our buildings insurance offers you comprehensive and flexible cover, whether for your head office, a branch or smaller business premises.
Who is the insurance suitable for?
Buildings insurance is suitable for companies that own commercial property.

Example: BauPlan AG is an architectural firm with its own office building. The building has a burst water pipe and water is leaking. This is causing damage to floors and walls.
Thanks to buildings insurance, Generali pays for the repairs to the pipe and also the floors and walls. This quickly allows the company to continue working.

Legal conflicts can cost a lot of time, money and worry. Our legal protection insurance for companies supports you in such cases and covers the costs of legal disputes – in a modular, flexible form that is tailored precisely to your needs.
Who is the insurance suitable for?
For companies of all sizes looking to protect themselves against legal and financial risks.

Example: GreenTech Solutions GmbH is a medium-sized company operating in the field of sustainable energy solutions. A former employee sues the company for alleged breach of contract. The case involves a lot of money and difficult questions about employment law. The company management suddenly has to deal with legal provisions, deadlines and substantial financial demands.
Thanks to corporate legal protection insurance, GreenTech Solutions GmbH receives help from Fortuna. It provides expert advice and covers lawyer and court costs. This allows the company to continue to focus on its core business.

The insurance covers claims for damages from other people if someone is injured or something gets broken. It applies regardless of whether this happens during the event, while preparing it or clearing up afterwards.
Who is the insurance suitable for?
For any company planning an event and wanting to protect themselves against possible claims for damages – whether it is a company event, trade fair or customer event.

Example: The Genussmeile is a public food festival with lots of stands and visitors. A local trade association is organising the festival. During the festival, an advertising banner incorrectly affixed by the organiser falls on a car parked nearby. The car is badly damaged.
Thanks to event third-party liability insurance, Generali will pay for the repairs to the car. The organiser therefore doesn't have to bear the costs themselves.