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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 module provides owners and landlords with comprehensive cover against legal risks. This module can only be taken out as an optional extra to the Basic commercial legal protection module.

Fortuna real estate and landlords’ legal protection 

 

Protection in disputes over commercial property

Real estate and landlords’ legal protection 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 works

 

Real-life examples

Contract for work

Gastro AG has a conservatory built to increase the capacity of its restaurant. Serious material defects arise while the extension is being built. Fortuna manages to get these remedied.

 

Agency contract

Despite receiving several complaints from Gastro AG, 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 for landlords

Gastro AG rents rooms on the company premises to its service staff. One of the former employees leaves her room in a poor condition when she stops working for the company. Fortuna upholds Gastro AG’s claims against that employee.

 

Neighbours’ rights
Quiet AG’s neighbour complains about the level of noise. Fortuna successfully defends the company against the neighbour’s objections.

FAQS

Your cover begins after a waiting period of 60 days from the date the contract begins. The insurance covers legal cases that occur during the contract term and are reported to Fortuna during that period. 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 day-to-day operations 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 Basic commercial legal protection 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, 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