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Public and professional liability insurance. For your long-term success.

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Start SME check

Request a consultation

Book your consultation now

Start SME check

A public and professional liability policy protects your company if third parties are injured by you, your employees, your buildings or your products.

Comprehensive basic cover

Quick and simple claims processing

Individually tailored to your needs

Comprehensive professional advice

Here’s how to insure your company

When designing the best possible public liability insurance and professional liability insurance, two things are paramount. Comprehensive basic cover for you, your employees and your company, and flexible supplementary policies that can be tailored to your business needs.

Public and professional liability insurance – basic cover

Helvetia provides support:

With the payment of well-founded liability claims
With defence against unfounded liability claims

With legal expenses in criminal, regulatory and administrative proceedings

Helvetia covers:

Bodily injury and property damage caused by you or your employees
Bodily injury and property damage caused by your products or property
Damage caused by tenants
Loss of keys or badges that have been issued

Bodily injury and property damage due to environmental damage caused by you
Advance payments for the cost of expert opinions to clarify the legal position and identify the liable party
Liability claims of your employees on business trips

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Supplementary policies: extend your company’s cover

A policy that is as unique as your company. Supplement your basic cover with precisely those components that you and your company need for your day-to-day operations.

Manufacturing and trading companies

A comprehensive product liability insurance package specifically designed to meet the needs of manufacturing and trading companies. The insurance covers, among other things, recall costs, the cost of investigations, repairs and assembly/disassembly, and loss of use.

Manufacturing and trading companies

Construction industry

A comprehensive insurance package specifically designed to meet the needs of the construction industry. The insurance covers, among other things, the cost of investigations, repairs and assembly/disassembly, damage caused to power lines, gas and water pipes, participation in consortia and activities as a general or sole contractor.

Construction industry

Architects and engineers

A comprehensive insurance package specifically designed to meet the needs of architects and engineers. The insurance covers, among other things, damage and defects affecting buildings and installations caused by faulty planning or incorrect instructions.

Architects and engineers

Garage business

A comprehensive insurance package specifically designed to meet the needs of garage owners. The insurance covers, among other things, damage to your customers’ vehicles sustained during repairs or on a test drive. Damage caused by you to other persons while driving customers’ vehicles is also covered.

Garage business

Attorney, notaries, trustees and similar professions

A comprehensive insurance package specifically designed to meet the needs of attorneys, notaries, trustees and similar professions. The insurance covers, among other things, pure financial losses or media and communication costs in the event of reputational damage.

Attorney, notaries, trustees and similar professions

Service provider for information and communication technology (ICT)

A comprehensive insurance package specifically designed to meet the needs of ICT service providers. Insurance covers – among other things – purely financial losses resulting from software programming or implementation errors or from the damage to or destruction of digital data of third parties.

Service provider for information and communication technology (ICT)

Doctors and other medical professions

A comprehensive insurance package specifically designed to meet the needs of doctors and other medical personnel. The insurance covers, among other things, injuries caused by you to your patients due to errors in treatment or in the provision of information. The insurance also covers emergency services, secondary employment activities and activities as a medical examiner.

Doctors and other medical professions

Extended cover for processing damage and damage to goods in custody

Provides additional cover if you process customers’ property and this results in damage to that property or if you damage items hired on a temporary basis.

Extended cover for processing damage and damage to goods in custody

Provides additional cover if you process customers’ property and this results in damage to that property or if you damage items hired on a temporary basis.

Data protection breaches

Provides you with cover if protected customer data is exposed, resulting in data protection breaches. E.g. if mail is sent to the wrong address or documents are left on a train.

Data protection breaches

Provides you with cover if protected customer data is exposed, resulting in data protection breaches. E.g. if mail is sent to the wrong address or documents are left on a train.

Use of third-party vehicles

Covers damage caused by you or your employees while using third-party vehicles. The insurance covers damage to the vehicle itself and damage that you cause with it.

Use of third-party vehicles

Covers damage caused by you or your employees while using third-party vehicles. The insurance covers damage to the vehicle itself and damage that you cause with it.

Use of drones

Provides cover if you use drones for professional purposes and this use results in damage. For example, if your drone crashes and falls on a car or a person.

Use of drones

Provides cover if you use drones for professional purposes and this use results in damage. For example, if your drone crashes and falls on a car or a person.

Liability Plus

On request, we assume uninsured liability claims and damage for which there is no legal basis for liability.

Liability Plus

On request, we assume uninsured liability claims and damage for which there is no legal basis for liability.

Is your company properly insured?

Every company is unique, and so are its insurance requirements. The insurance check for SMEs will give you valuable recommendations, quickly and easily. Regardless of whether you are just setting up your company or have been active for some time.

Start the check

Request a consultation

Book your consultation now

Start the check

Request a consultation

Book your consultation now

Why Helvetia?

Everything for your SME from a single source

Helvetia is your reliable partner with extensive experience and expertise in business insurance, as well as occupational benefit schemes and health.

Simple, secure and fast

We offer flexible insurance solutions with minimal administrative time and effort, and fast online loss notification.

50% young entrepreneur's discount

Talk to our SME specialists and benefit from a 50% discount on the first year’s premium for all SME insurance policies.

Clever combined. Business insurance for SMEs.

Whether for company founders, self-employed workers or business owners, business insurance for SMEs offers tailored solutions for every company. Combine up to eight insurance contracts and benefit from our SME combination discount. We would be pleased to advise you.