As owner-builder or property owner, you could become liable for numerous reasons. Think during the planning stages about insurance; premium costs can be factored in and paid for; a huge claim for damages cannot.

This insurance protects the owner-builder against the financial consequences of personal injury, property damage and pecuniary losses caused during or in connection with construction of your property.

In various cantons the owner-builder is obligated to have this insurance. It protects against damage due to fire, earthquakes and weather during the construction period. You can find out the applicable regulations from the relevant Building Insurance Association (GVA) or the Swiss Property Insurance Association (SSV).

This insurance is a variation of "third-party fire and theft insurance for the building" and therefore a property insurance for any type of structural or civil engineering project. Commonly insured are the risks to the owner-builder, geologists, architects and engineers as well as those to the contractors, sub-contractors and construction workers. It covers unforeseeable damage to incomplete construction projects (damage or destruction) for the policy's duration.

This insurance protects the home owner from unforeseen financial liabilities that arise from third-party claims for personal injury and property damage.

When construction work on the house is finished, this insurance protects you from loss due to fire, weather-related damage, etc.

Comprehensive insurance for the whole family, it offers protection in case of illness, accident, invalidity or death, and is best as a life policy or loss-of-earnings disability insurance. It is possible to take out this kind of insurance in the form of pure term insurance (i.e. without capital accumulation). The UBS Mortgage with insurance cover is an ideal combination of these two elements in one product. UBS also offers a wide selection of first-class life insurance products - e.g. UBS Life - for retirement and risk protection.