Insurance

Be sure you’re getting the best terms

We put out tenders. We encourage competitive quotes and negotiate the best terms for you. We represent you with insurance companies to defend all your rights and interests. And, if there is a claim, we take care of all the necessary steps to make sure your case is dealt with properly. So you’ll know you have all the required coverage and at the best terms.

Certification

Our company is registered with FINMA as an untied insurance intermediary (n° de registre 31601), insofar as we meet all the strict legal conditions for authorisation by the Swiss Financial Market Supervisory Authority. The quality of our insurance services and our ongoing training are regularly monitored by FINMA.

The training we regularly undergo in accordance with the law to maintain the high quality of our services is provided by the AFA (Association for Professional Insurance Training).

For all our clients who entrust us with handling their property insurance, in addition to our management remit, we manage this insurance in their sole interest and are completely independent of insurance companies, in accordance with the Swiss Insurance Oversight Act, to which we are subject.

Insurers

Our company works with ALLIANZ, HELVETIA, LA MOBILIERE, VAUDOISE, ZURICH, AXA, GENERALI and BALOISE, all of which are recognised nationally for their reliability and stability.

Insurance products

Depending on the properties entrusted to us, we offer the following products:

Pricing conditions

Insurance policies

Thanks to the negotiations conducted by our Insurance Department with the various insurance companies that it systematically puts out to tender, our customers benefit from the most competitive insurance premiums in relation to the cover chosen.

Company remuneration

Our clients benefit from the services of our Insurance Department in addition to our basic remit, without any additional fees on our part. In accordance with the Swiss Insurance Oversight Act, our activity as an untied insurance intermediary is remunerated directly by the insurance companies at a maximum of 15% of the net insurance premium (excluding federal stamp duty and any other taxes).

Services provided by our Insurance Department

  • Detailed analysis of the property in collaboration with our Technical and Administrative Management Departments to determine the most appropriate insurance cover, taking into account the property’s specific features (e.g. external amenities, solar panels, etc.).
  • Call for tenders adapted to these specific features in order to obtain tailor-made insurance cover.
  • Careful examination of insurance policies to determine and accept the most competitive offer in terms of premium in relation to the extent of cover offered and the insurance company’s efficiency in settling claims.
  • Regular updates of the exact sum insured for the property by the contracting insurance company on the basis of the official valuation requested from Switzerland’s Building Evaluation Office (BEB), in order to reduce the risk of under- or over-insurance.
  • Verification of annual premium notices and premium notices issued during the year on a pro-rata basis following policy adjustments during the term of the contract.
  • Adaptation of contracts or new call for tenders in the event of changes:
    • Change in the value of the insured rental income.
    • Change of policyholder (succession, sale, transfer of the property to a property company, takeover or merger of companies, etc.).
    • Change of commercial tenant if there is a change in the way the premises are used.
    • Major works: renovation, upward extension, installation of solar panels, etc. (a new estimate will be requested from the BEB in order to insure the property at its revised value).
    • Modification of the product by the contracting insurance company.
  • At each insurance expiry date, the most advantageous terms and conditions are sought from a range of companies.
  • Close cooperation with our Claims Department to put forward the arguments needed to obtain the compensation due from the insurance company, or to obtain compensation in kind (in the event that a benefit should in principle be refused in a particular case).

Civil liability

Our company has a professional liability insurance policy. It may be held liable only in the event of professional negligence (omissions, negligence, inaccurate information and/or erroneous advice in its insurance consultancy activities and in the preparation of insurance cover for the property). It is not liable for non-insurable claims.