{"id":36471,"date":"2025-10-10T10:13:32","date_gmt":"2025-10-10T08:13:32","guid":{"rendered":"https:\/\/www.heveainvest.com\/civil-liability\/"},"modified":"2026-03-03T10:21:55","modified_gmt":"2026-03-03T09:21:55","slug":"civil-liability","status":"publish","type":"page","link":"https:\/\/www.heveainvest.com\/en\/civil-liability\/","title":{"rendered":"Civil Liability"},"content":{"rendered":"\t\t
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Corporate liability insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Cover the Risks Related to Your Professional Activities<\/strong><\/h2>

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In Switzerland, a company can be held liable for damages<\/strong> caused to third parties in the course of its professional activities: clients, suppliers, visitors, or even passersby. Corporate liability insurance<\/strong> covers these risks, whether they are material, bodily, or immaterial.<\/p>

This insurance is often essential<\/strong> in the context of commercial relationships, construction sites, or service contracts, and sometimes even legally or contractually required<\/strong>.<\/p>

Hevea Invest<\/strong> advises and assists you in setting up coverage tailored to your activity, sector, and contractual obligations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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What does business liability insurance cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Bodily injury<\/strong>: injuries caused to third parties (clients, visitors, pedestrians)<\/p>

Property damage<\/strong>: deterioration of property belonging to third parties<\/p>

Intangible damage<\/strong>: financial losses resulting from a covered damage (e.g., business interruption at a client)<\/p>

Legal defense costs<\/strong>: in case of litigation or proceedings related to a claim<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Concrete examples<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A client slips on your premises and gets injured<\/p>

You damage a client’s property during an intervention<\/p>

An advisory error causes financial harm to a third party<\/p>

A subcontractor acts under your responsibility and causes damage<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Why subscribe to business liability insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u2713 <\/strong>Protect your professional assets<\/strong> against potentially heavy claims<\/p>

\u2713 <\/strong>Ensure the continuity of your business<\/strong> in case of a dispute<\/p>

\u2713 <\/strong>Meet the contractual requirements<\/strong> of partners or project owners<\/p>

\u2713 <\/strong>Enhance your company’s credibility<\/strong> and reliability<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Questions - Answers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIs business liability insurance mandatory in Switzerland?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

It is not mandatory for all companies, but it is highly recommended, and even required in certain sectors (construction, healthcare, regulated professions) or by contractual partners.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIs business liability insurance mandatory in Switzerland?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

It is not mandatory for all companies, but it is highly recommended, even required in certain sectors (construction, healthcare, regulated professions) or by contractual partners.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is the difference with private liability insurance?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

RC business insurance covers professional activities, while private RC protects individuals in their personal lives. Both are completely distinct in terms of coverage and legal framework.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat does liability insurance cover if one of my employees causes damage?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

The company liability insurance also covers the actions of your employees in the performance of their duties, even in cases of unintentional negligence.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan I adjust the coverage amounts?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

Yes. The compensation ceiling is adjustable according to your sector of activity, risk level, and contractual requirements. We help you determine the appropriate amounts.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat happens in the event of a claim?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

We assist you in reporting the claim, compiling the file, managing with the insurer, and defending your interests. The RC covers the compensation due as well as the legal costs.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tLearn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Protect your business before an incident costs you dearly<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Unexpected events happen quickly, and the consequences can be severe. With suitable business liability insurance, you secure your activities, reassure your partners, and enhance your credibility. Hevea Invest supports you in choosing a tailored coverage that aligns with your challenges and sector.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tRequest your personalized assessment now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Corporate liability insurance Cover the Risks Related to Your Professional Activities In Switzerland, a company can be held liable for damages caused to third parties in the course of its professional activities: clients, suppliers, visitors, or even passersby. Corporate liability insurance covers these risks, whether they are material, bodily, or immaterial. This insurance is often […]<\/p>\n","protected":false},"author":11,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-36471","page","type-page","status-publish","hentry"],"yoast_head":"\nCivil liability company Switzerland \u2013 HEVEA Invest<\/title>\n<meta name=\"description\" content=\"Protect your business with liability insurance tailored to your risks. 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