Insurance coverage in case of pest infestation
Many insurance policies only cover claims if careful, documented preventative measures have been taken. With effective pest monitoring and structural prevention measures, you not only reduce the risk but also increase the chances of having costs covered in the event of damage.
Cantonal building insurance
In many cantons, building insurance is mandatory. It covers damage to the building, and under certain circumstances, also damage caused by animals or insects.
Wasp nests or bird nests in roller shutters or in the attic can be considered an insured loss, provided that additional insurance has been taken out.
Damage to roofs or pipes caused by martens is covered in many cantons.
Rodents and insects are often excluded; it is worth checking with your supplementary insurance provider.
Responsibility varies depending on the canton. Some only cover the costs if there is a risk to the building structure or residents.
Business liability insurance
This insurance covers damages if third parties are harmed by the business, for example through hygiene deficiencies, pest infestations, or inadequate controls.
Applies to the catering industry, hotels, landlords, food production, etc.
Example: Cockroaches get from a restaurant into neighboring apartments.
Insurance coverage only applies if there is no gross negligence or failure to perform duties.
Business interruption and contents insurance
If a business is partially or completely shut down due to pest infestation, the following insurance policies may apply:
Business interruption insurance: Compensation for lost profits in the event of insured property damage (e.g., mold, water damage promoting pest infestation).
Contents insurance: Covers damaged inventory or goods (e.g., due to mouse damage or contaminated food).
Legal expenses insurance
If legal disputes arise, e.g. with tenants, neighbors, suppliers or authorities, legal expenses insurance can provide support:
Disputes concerning liability or breach of duty in pest control
Disputes with owners or authorities after a pest infestation
Rejection of insurance benefits by own insurance company
Further information
Contact us!
KAWO SERVICES AG
Kleinbuchbergweg 10
8200 Schaffhausen
052 625 18 18
Office opening hours
Mon-Fri
09:00 – 12:00
Mon-Fri
13:30 – 16:00