Covers damage to clients/third parties. CHF 2-5M cap, exclusions to know.
2 min de lecture
What's covered
Bodily, property, financial damages to third parties from professional activity. Examples: stairs you repaired collapse, financial advice causing client loss, IT intervention deletes data. CHF 2-5M cap standard.
Key exclusions
Intentional/gross fault. Contractual commitments beyond standard. Activities outside declared scope. Goods in your care (separate cover). Cybercrime (separate cyber). Declare activity precisely.
Price + comparison
IT consultant solo (<CHF 200K turnover): CHF 400-800/yr for CHF 5M cap. GP doctor: CHF 1,500-4,000. Architect/engineer: CHF 1,000-3,500. 25-40% spread between insurers.