FAQ – Frequently asked questions

esurance is a Swiss InsurTech company headquartered in Zurich. esurance was founded in 2013 and is a successful scale-up. Several thousand SMEs have already purchased business insurance through our SaaS-Solutions. More About Us.

Who is esurance addressing? As a platform, esurance addresses insurance providers, brokers and business software providers who use the platform for insurance distribution, as well as small and medium-sized enterprises (SMEs) who can conclude and manage insurance policies via the platform.

No, esurance is a software provider.

The insurance solutions are aimed at all businesses that offer a hospitality service in Switzerland or the Principality of Liechtenstein. The products are designed in such a way that it does not matter whether it is a restaurant business or an accommodation business. Thanks to industry-specific additional cover, risks can easily be included or excluded (e.g. additional cover against bed bug infestation makes little sense for a restaurant).

All GastroSuisse members can benefit from the special conditions. It should be noted that all GastroSuisse members are obliged to join the GastroSocial AHV compensation fund.

If a catering business does not wish to take out GastroSuisse membership, it can still take out the personal insurance products accident insurance and daily sickness benefits from SWICA via Gastroversicherungen.ch. However, it is not possible to join GastroSocial (AHV & BVG) or to take out Baloise property and liability products without membership.

In short: because of the collective purchasing power of the association.

GastroSuisse, the industry association recommends the Gastroversicherungen.ch offer. Renowned Swiss insurance companies (SWICA, Basler Versicherungen, Gastrosocial) stand behind the respective products as insurance carriers. After an extensive tendering process on behalf of Gastrosuisse, the best insurance company was awarded the contract in each case. The offer with the best price-performance ratio was taken into account. The validity of the offer is reviewed annually.

GastroSuisse, GastroSocial and SWICA have maintained a close partnership for over 50 years. The industry-specific offering of GastroSocial and SWICA is focused on the topics of “pension provision” and “health”. Baloise and esurance have also been part of this cooperation since 2018. Baloise offers the products GastroHaft, GastoInventar, GastroAusfall and GastroGebäude, and esurance has digitalised all offers so that the complete cover can be purchased with just a few clicks on the gastroversicherungen.ch platform. Distribution is ensured by SWICA’s specialised gastro advisors.

SWICA acts as a distribution partner as well as an insurance partner. We work together with SWICA consultants to offer the customers the best possible service. Insurance is taken out either via a SWICA insurance consultant or directly online on the platform. Claims, changes and other concerns are handled directly by the insurance company.

The insurance solutions for GastroSuisse members are offered exclusively via the digital esurance platform. If you do not yet have an esurance account, a free esurance account will be created for you automatically as part of the registration process.

To complete the registration, the following questions must be answered:

– E-mail, first name, last name
– Company name, street, house number and postcode
– Mobile number (used to verify your login with an SMS code)
– Company location (main location)
– Any correspondence address
– Start of contract
– Has your business suffered any losses under the insurance cover applied for in the last 3 years? If yes, how many?

The insurance platform is designed in such a way that you can conclude the insurance solutions digitally. This eliminates the traditional application process, which is tied to a physical quote and signature. If you accept the cooperation agreement and the privacy policy at check-out, the contract is concluded.

You receive all insurance policies from the partners physically by post.

Your data is safe with us. Only information that is relevant to us is stored. We are aware of the sensitivity of data that requires protection and special protection and take the law (DSG/DSGVO) very seriously. Our IT infrastructure is operated in Switzerland and we fully comply with Swiss data protection regulations.

No! Of course not.