Contact

Legal information and administration

Real estate and landlords’ legal protection insurance

PROTECTION IN DISPUTES OVER COMMERCIAL PROPERTY

Disputes over commercial property or with landlords can often be time-consuming and tiresome to handle. The real estate and landlords’ legal protection insurance module provides owners and landlords with comprehensive cover against legal risks. This module can only be taken out as an optional extra to the corporate legal protection insurance BASIC.

Fortuna real estate and landlords’ legal protection insurance

 

Protection in disputes over commercial property

Real estate and landlords’ legal protection insurance is suitable for owners and landlords of property used for commercial purposes. Real estate and landlords’ legal protection insurance provides cover in disputes involving properties, public planning laws and neighbours rights, and disputes with your tenants as a landlord.

 

 

WHAT IS INSURED?

  • Disputes related to declared commercial premises
  • Disputes involving property under public planning law, with tenants as a landlord, or with neighbours concerning their rights
  • Protection of neighbours’ rights: immissions and emissions of smoke, gas, odours and noise

How you benefit

  • Comprehensive cover for work contracts
  • Comprehensive cover under public planning laws and legislation on neighbours’ rights, and as a landlord (landlords’ legal protection)
  • No deductible, no minimum amount in dispute
  • Fast, competent help from experienced legal experts and lawyers

How real estate and landlords’ legal protection insurance works

 

Real-life examples

Works contract as ordering party
To increase the capacity of its restaurant, Gastro Ltd has a conservatory built. After the work is completed, it discovers considerable construction defects. Fortuna asserts the right to rectification and manages to have the defects rectified.

 

Mandate law

Despite receiving several complaints from Office Ltd, the cleaning company fails to carry out its work properly. Fortuna steps in, the agency contract with the cleaning company is terminated and the resulting claims for compensation are successfully enforced.

 

Tenancy law as landlord

Housing Management Ltd rents out a room in its business premises to a former employee who now works as an insurance broker. It establishes in the process that this room may not be used for commercial purposes in case the neighbours are disturbed by customers visiting the premises. After several complaints and despite several warnings, the former employee continues to hold customer meetings in the room. Fortuna asserts Housing Management Ltd’s claims against the former employee.

 

Neighbours’ rights law

Flight Ltd produces drones and regularly carries out flight tests. The neighbour complains about the excessive noise the drones make. Fortuna successfully defends Flight Ltd against the accusations.

FAQS

The insurance covers legal cases that are caused by an event occurring during the term of the insurance contract and reported to Fortuna within this time period. A waiting period of 60 days from the start of the contract applies. The waiting period does not apply if the same risk was insured by a previous insurer and if the insurance transition occurs without interruption. When the contract comes to an end, the insurance is renewed automatically for one year at a time unless cancelled one month beforehand.

Real estate and landlords’ legal protection insurance has a maximum insured amount of CHF 100,000 per legal case.

Cover applies throughout Switzerland. 

Your company and the operating activities of the co-insured companies and subsidiaries listed in your policy.

The premium is based on your company’s operations, revenue, total payroll and number of employees.

Additional MODULES

We offer a range of modules that can be added to corporate legal protection insurance BASIC as optional extras. You are free to choose whichever modules your company most needs to extend its basic cover. In addition to real estate and landlords’ legal protection insurance, the following insurance modules are available:

Supplements your basic insurance by providing extensive worldwide cover in contract disputes. For all companies wishing to protect themselves against the legal and financial risks that may arise in disputes with customers and suppliers.

For companies that use vehicles commercially and wish to insure themselves against disputes involving vehicles and road traffic incidents anywhere in the world. Cover of up to CHF 1,000,000 per legal case for lawyers’ and court fees, expert opinions and other costs of proceedings.

For companies that frequently use the internet and are seeking worldwide cover for disputes involving breaches of privacy (cyberbullying), credit card and identity theft (cybercrime), and disputes over domain names.

For companies that don’t want to handle debt collection themselves and would like to insure the collection of receivables. 15 credit assessments are included.

For companies wishing to obtain comprehensive, first-hand advice from a lawyer as their personal point-of-contact in all legal matters, regardless of what cover they hold.

Helpful documents