Commercial insurance in Switzerland is the business service line through which companies transfer property, liability, business-interruption, cyber, credit, transport, directors' and officers' (D&O), and other operational risks to Swiss-authorised insurance undertakings or the international commercial market. It sits at the intersection of corporate risk management, procurement and finance, and is typically arranged directly with an insurer or through an untied insurance intermediary acting in a fiduciary relationship with the corporate client.
Switzerland does not operate a separate licensing regime for "commercial insurance" as a distinct professional title. The service line operates within the federal framework for insurance undertakings and insurance intermediaries. Insurance undertakings require a licence from the Swiss Financial Market Supervisory Authority (FINMA) before commencing business under the Federal Insurance Supervision Act (ISA; Versicherungsaufsichtsgesetz, VAG / Loi sur la surveillance des assurances, LSA). Since the revised ISA and Insurance Supervision Ordinance (ISO) entered into force on 1 January 2024, untied insurance intermediaries must meet enhanced requirements and be entered in FINMA's public register in order to operate in the Swiss market.
The central legal framework combines the ISA and ISO for insurer licensing, prudential supervision and intermediary registration, the Federal Insurance Contract Act (ICA; Versicherungsvertragsgesetz, VVG / Loi sur le contrat d'assurance, LCA) for the insurer-policyholder relationship, and the revised Swiss regime for tied and untied intermediaries. An untied intermediary acts in the policyholder's interest and is subject to mandatory public registration; other intermediaries are classified as tied. Tied intermediaries are generally not registerable under the revised law except where registration is required for foreign activity.
For international businesses, commercial insurance placement in Switzerland should be assessed alongside the country's non-EEA status, strict distinctions between Swiss-authorised, foreign and non-admitted insurance arrangements, the FINMA register status of an untied broker, cantonal and linguistic operating realities, and the need to coordinate Swiss-located risks with global insurance programmes without assuming EU passporting applies.
Commercial Insurance Registry
└── Jurisdictions
└── Switzerland
└── Commercial Insurance
├── Risk Placement and Untied Intermediary Mandate Structure
├── Policy Wording, Disclosure and Large-Risk Classification
├── Underwriting, Renewal and Claims Handling
├── FINMA Licensing and Intermediary Registration Compliance
└── Cross-Border and Group Insurance Programme Coordination
Identity
Switzerland
Commercial Insurance
Corporate Risk Transfer
Object: Commercial Insurance
Object Type: Business Risk Transfer and Insurance Placement Service Line
Key Bodies
- Swiss Financial Market Supervisory Authority (FINMA)
- Swiss-authorised insurance and reinsurance undertakings
- Untied insurance intermediaries registered with FINMA
- Tied insurance intermediaries and insurer distribution networks
- Swiss Insurance Association (SVV / ASA)
Core Outcome
A bound commercial insurance policy or programme that transfers defined business risks to a Swiss-authorised or otherwise lawfully accessible insurer, subject to policy terms, disclosure obligations and the limitations of the placement.
Object Definition
Commercial insurance in Switzerland is the business function concerned with identifying, structuring, placing and maintaining insurance cover for corporate risks such as property damage, general and product liability, business interruption, cyber incidents, credit default, transport and cargo, financial lines, and management liability (D&O). The function is broader than buying a policy: it connects risk assessment, market broking, underwriting negotiation, policy wording review, premium and claims administration, and renewal strategy.
| Definition | The business service line used to assess, place, negotiate and administer commercial insurance cover for corporate risk in Switzerland. |
| Object | Commercial Insurance |
| Object Type | Corporate Risk Transfer and Insurance Placement Function |
| Classification | Risk Management — Insurance Broking — Underwriting Relations — Regulatory Compliance — Contract Administration |
| Jurisdiction | Switzerland, with international relevance where applicable |
Scope
The Registry Object covers the practical architecture of commercial insurance placement and management for organisations operating in or from Switzerland. It focuses on insurer and intermediary engagement, FINMA registration of untied brokers, policy wording and disclosure, claims handling, and coordination of multinational insurance programmes with Swiss-located risks.
| Covered Matters | Property, general liability, product liability, business interruption, cyber, credit, transport and cargo, D&O and professional indemnity placements; untied intermediary mandates; underwriting disclosure; policy renewal; claims notification and handling. |
| Functional Boundary | The object explains commercial insurance as a business risk-transfer and procurement function. It does not replace legal advice on contract wording, tax analysis, actuarial advice or formal regulatory filings. |
| Related but Not Primary | Consumer and personal-lines insurance, occupational pension and employee-benefits insurance, reinsurance placement, captive insurance management and private-client insurance may be connected but follow separate professional routes. |
| Outside Scope | Personal and household insurance products, mandatory social insurance, and insurance underwriting itself as performed inside an insurance undertaking. |
Purpose
The purpose of the commercial insurance function is to transfer defined categories of business risk to the insurance market on commercially acceptable terms, reducing the financial impact of loss events on the organisation's balance sheet and operations. The process supports the client's own risk management and governance framework; it does not replace it.
| Purpose | To identify, quantify and transfer material business risks through insurance cover appropriate to the organisation's operations, assets and liabilities. |
| Business Value | Structured placement can reduce balance-sheet volatility, satisfy contractual and lender insurance requirements, support business continuity and provide access to specialist claims and risk-engineering resources. |
Primary Outcome
The primary outcome of a Swiss commercial insurance engagement is a bound policy, or a structured multi-line programme, that defines the insurer's obligation to indemnify the policyholder for specified covered events, subject to limits, deductibles and exclusions. The placement does not itself eliminate risk; it allocates the financial consequence of defined risks to the insurer within agreed terms.
| Primary Outcome | A bound commercial insurance policy or programme reflecting the client's agreed risk transfer terms. |
| Decision Boundary | An untied intermediary may advise and negotiate in the policyholder's interest, but the client retains responsibility for risk acceptance decisions, disclosure accuracy and final placement approval. |
| Appointment Step | Claims handling, renewal negotiation and any programme restructuring are completed outside the initial placement itself. |
Request Contexts
Commercial insurance placement is normally activated by new business formation, a lender or contractual insurance requirement, an expiring policy renewal, a change in risk profile, an acquisition, international expansion, or a claims event revealing a coverage gap. The initial question is whether existing cover adequately reflects the current risk profile, or whether a fresh market placement or intermediary review is required.
| Request Context | New company formation, contractual or lender insurance requirements, policy renewal, M&A due diligence, expansion into foreign markets, relocation of headquarters or operations, or a loss event exposing a coverage gap. |
Typical Users
Commercial insurance in Switzerland is most commonly used by organisations with material property, liability, operational or balance-sheet exposure where contractual, lender or governance requirements make structured risk transfer necessary.
| Typical User | Multinational headquarters, pharmaceutical and life-sciences businesses, industrial and precision-manufacturing companies, commodity-trading groups, financial services firms, technology and SaaS businesses, construction and infrastructure companies, professional-services firms, private equity portfolio companies and family-owned export businesses. |
Typical Scenarios
Commercial placements are usually initiated by a defined business, contractual or risk event. The final structure of the placement should reflect the client's risk appetite, sector exposure, Swiss regulatory perimeter and applicable cross-border context.
| Business Event | New facility opening, product launch, export-market expansion, contract award requiring proof of insurance, acquisition of a foreign business, refinancing, or a material claim revealing inadequate cover. |
| Typical Scenario | A Swiss life-sciences company needs product liability and clinical-trial coverage for international activity; a commodity-trading group needs coordinated marine, trade-credit and political-risk cover; a Zurich-based technology company needs cyber and technology E&O cover; a global group needs a locally compliant Swiss component alongside its master insurance programme. |
| Professional Assistance | Typically relevant where the risk profile is complex, Swiss and foreign risks must be coordinated, an untied intermediary is engaged, or the client lacks in-house risk management expertise. |
Country Characteristics
Switzerland's commercial insurance market is shaped by a federal FINMA-led regulatory framework, a major international insurance and reinsurance ecosystem, the legal distinction between tied and untied intermediaries, a multilingual commercial environment, and a cross-border placement reality fundamentally different from EEA states because Switzerland does not participate in the EU passporting regime.
| Operational Culture | Complex corporate placements are frequently broker-led and internationally coordinated, while direct insurer relationships remain important for established domestic business. Precision in underwriting data, risk engineering and contractual documentation is expected, particularly in export-oriented, financial-services and highly regulated sectors. |
| Institutional Structure | FINMA licenses and supervises insurance undertakings and maintains the public register for untied insurance intermediaries. The revised ISA/ISO regime, effective from 1 January 2024, strengthened requirements for all intermediaries while reserving mandatory public registration principally for untied intermediaries. |
| Governance Logic | Untied intermediaries act in a fiduciary relationship with policyholders and in their interest; tied intermediaries are classified as all other intermediaries. This legal distinction is material to broker selection, client representation and registration verification. |
| Language Expectation | German, French and Italian are the principal Swiss commercial languages, with English widely used for multinational programmes, financial lines, reinsurance and international corporate placements. Domestic policy documentation commonly reflects the language of the relevant canton and client relationship. |
Key Authorities
No dedicated regulator licenses "commercial insurance" as a separate activity in Switzerland. In accordance with the Field Applicability Principle, this section identifies the public authorities and institutional bodies that materially influence insurer licensing, intermediary registration and policyholder protection, rather than presenting the service line as independently licensed.
| Swiss Financial Market Supervisory Authority | FINMA | Insurance licensing and supervision | Licenses and supervises insurance and reinsurance undertakings, maintains lists of authorised institutions, and oversees the statutory public register for insurance intermediaries. | Licensing, prudential supervision, authorisations, approvals, intermediary registration and enforcement. | finma.ch | Central to confirming insurer authorisation and an untied intermediary's register status. |
| FINMA Public Register | Registered insurance intermediaries | Intermediary verification | Provides public verification of untied insurance intermediaries authorised to offer or conclude insurance contracts in the Swiss insurance market. | Register search and status verification. | finma.ch | Material due diligence point before appointing an untied broker or adviser. |
| Swiss Insurance Association | SVV / ASA | Industry association | Represents Swiss private insurers and publishes market, policy and industry information relevant to commercial insurance practice. | Industry statistics, market guidance and legislative monitoring. | svv.ch | Useful reference for market practice though not a supervisory authority. |
| Ombudsman of Private Insurance and Suva | Insurance Ombudsman | Dispute-resolution body | Provides an out-of-court channel for insurance-related disputes; its practical relevance depends on the contract, party type and dispute circumstances. | Mediation and dispute resolution support. | ombudsman-assurance.ch | Relevant where a policyholder-insurer dispute requires non-litigious escalation. |
Applicable Legislation
No single Swiss statute governs "commercial insurance" as a standalone profession. In line with Field Applicability, the following framework identifies the laws and regulatory instruments materially relevant to insurer licensing, contract terms, intermediary conduct and business-risk placement.
| Federal Insurance Supervision Act | ISA / VAG / LSA | Governs insurance and reinsurance undertakings, insurance intermediaries, insurance groups, conglomerates and insurance special purpose vehicles within its scope. | Core legal basis for insurer licensing, FINMA supervision and intermediary classification in Switzerland. | Revised ISA in force from 1 January 2024. | finma.ch | In force, subject to amendment. |
| Insurance Supervision Ordinance | ISO / AVO / OS | Implements and supplements the ISA, including technical and registration requirements for insurance intermediaries. | Relevant to proof of qualification, professional indemnity cover and other requirements for FINMA registration. | Revised ISO in force from 1 January 2024. | finma.ch | In force, subject to amendment. |
| Federal Insurance Contract Act | ICA / VVG / LCA | Governs the insurer-policyholder relationship, including core contractual rights, duties, policy terms and claims-related obligations. | Relevant to policy wording, pre-contractual disclosure, claims handling and contractual remedies. | Mandatory insurance-specific and general contract-law principles may both be relevant. | fedlex.admin.ch | In force, subject to amendment. |
| Federal Act on the Prevention of Money Laundering and Terrorist Financing | AMLA / GwG / LBA | Applies where insurance-related activity falls within the relevant anti-money-laundering perimeter, particularly for specified life-insurance and financial-market contexts. | Relevant in appropriate product, client and payment contexts; it is not the principal operational law for ordinary non-life commercial placement. | FINMA anti-money-laundering supervision and implementing rules where applicable. | finma.ch | In force, subject to amendment. |
Process Flow
There is no single universal placement sequence because the approach depends on the risk class, company size, insurer relationship and international footprint. Nevertheless, most commercial placements move from risk assessment into market broking or direct underwriting, negotiation, policy issuance, and ongoing renewal and claims management.
| 1. Risk Assessment | Identify and quantify the organisation's material property, liability, operational, financial and cross-border risk exposures. |
| 2. Confirm Placement Route | Determine whether cover will be placed directly with an authorised insurer, through a FINMA-registered untied intermediary, or through a coordinated group insurance programme. |
| 3. Verify Authorisation and Registration | Confirm the insurer's FINMA licence and, where relevant, verify the untied intermediary's entry in FINMA's public register. |
| 4. Market the Risk | Approach relevant Swiss insurers or the international market with a structured risk submission and appropriate Swiss risk analysis. |
| 5. Underwriting Disclosure | Provide accurate and complete information to insurers in accordance with statutory and contractual disclosure duties. |
| 6. Negotiate Terms | Agree premium, limits, deductibles, exclusions, endorsements, currency and programme interaction with the selected insurer or insurers. |
| 7. Bind and Issue Policy | Confirm cover and receive formal policy documentation and schedules in the relevant Swiss business language or English for an international programme. |
| 8. Ongoing Administration | Manage mid-term adjustments, certificates of insurance, programme coordination and contractual or lender compliance confirmations. |
| 9. Claims Notification and Handling | Notify the insurer of covered events promptly and manage the claims process through to settlement. |
| 10. Renewal Review | Reassess risk profile, market conditions, insurer capacity and coverage adequacy ahead of each renewal date. |
Decision Tree
The placement route should reflect the actual risk and commercial context. Commercial insurance is a risk-transfer and procurement function, not a statutory approval procedure; the decision tree therefore concerns insurer authorisation, intermediary classification, Switzerland's non-EEA position and lawful disclosure.
| Is the selected insurer authorised by FINMA for the relevant insurance business? | If yes, confirm its authorisation scope. If not, assess carefully whether a lawful cross-border or non-admitted route is available for the specific Swiss risk. |
| Is an untied insurance intermediary being used? | If yes, confirm its current entry in FINMA's public register and assess its mandate, professional indemnity protection and fiduciary relationship to the policyholder. |
| Is the intermediary tied to an insurer? | If yes, treat it as a tied intermediary unless the statutory exception applies; do not assume it is independently representing the policyholder's interests. |
| Does the organisation operate in multiple jurisdictions? | If yes, assess whether a global master programme requires a locally admitted Swiss policy, a fronting arrangement, a difference-in-conditions/difference-in-limits structure, or another lawful Swiss component. |
| Is the risk being placed by an EEA insurer under a purported passport? | Switzerland is outside the EEA passporting system. Confirm the actual Swiss regulatory basis rather than relying on EEA freedom-of-services assumptions. |
Decision logic: First confirm whether the insurer and intermediary can lawfully serve the Swiss risk and whether the intermediary is tied or untied. Then determine the appropriate placement route, local-policy requirement and disclosure standard. Only after the Swiss regulatory perimeter is scoped can market broking and underwriting negotiation be reliably planned.
Timeline
Commercial insurance placement should be treated as a planned annual or multi-year risk management cycle rather than a reactive purchase. Timing depends heavily on risk complexity, market capacity, renewal date, regulatory routing and whether a new programme or a straightforward renewal is involved. There is no fixed statutory placement timetable; the timing table is therefore operational rather than regulatory.
| Assessment Stage | Risk profile, Swiss local exposures, coverage gaps and renewal objectives are reviewed with the client. |
| Authorisation Stage | Insurer licence and, if relevant, untied intermediary register status are confirmed before placement activity proceeds. |
| Marketing Stage | Risk submission is prepared and presented to relevant Swiss insurers or the international market. |
| Negotiation Stage | Terms, premium, policy conditions and global programme interaction are negotiated with the selected insurer or insurers. |
| Binding Stage | Cover is confirmed and formal policy documentation is issued. |
| Administration Stage | Certificates, endorsements, local-policy coordination and compliance confirmations are managed through the policy period. |
| Claims Stage | Notification, investigation and settlement of covered events, where they occur. |
| Renewal Stage | Reassessment of risk and market conditions ahead of the next policy period. |
Required Documents
Commercial insurance has no statutory universal filing package. In accordance with Field Applicability, this section records the documents commonly required or generated in a professional commercial insurance placement. The exact document set is case-specific and should be consistent with the risk, sector, Swiss regulatory perimeter and disclosure basis.
| Risk Submission / Proposal Form | Describes the organisation's operations, assets, claims history and specific risk characteristics for underwriting purposes. | All new placements and most renewals. |
| Intermediary Mandate or Terms of Business | Sets out the mandate scope, remuneration basis, service standards and role of the intermediary, especially where an untied intermediary acts in the policyholder's interest. | Placements arranged through an intermediary. |
| FINMA Register Verification | Records confirmation that an untied intermediary appears in FINMA's public register at the relevant time. | Due diligence before appointment or continuing engagement of an untied intermediary. |
| Policy Wording and Schedule | Defines the specific terms, limits, deductibles, exclusions and endorsements applicable to the cover. | Core reference document for all bound policies. |
| Certificate of Insurance | Confirms specific cover details, often required to satisfy contractual or lender obligations. | Commonly requested by counterparties, landlords or financiers. |
| Claims Notification Forms | Documents the notification of a loss event and supporting evidence for claims assessment. | Used when a covered event occurs. |
| Statement of Fact / Disclosure Record | Records information supplied to the insurer as the basis of the underwriting decision. | Material to establishing disclosure accuracy at inception and renewal. |
| Corporate Authority Documents | Confirms the client's representation and authority to instruct the placement, particularly for large or multinational group programmes. | Relevant to group and cross-border insurance programme placements. |
Cross-Border Relevance
Commercial insurance placements in Switzerland frequently involve international insurers, global corporate groups, reinsurance markets and coordinated multinational programmes. Switzerland's international insurance role does not remove its separate federal regulatory perimeter: foreign investors, group parents and international brokers need to distinguish Swiss requirements from EU/EEA passporting assumptions.
| Recognition | Commercial insurance is a business risk-transfer function rather than a licensable Swiss professional title. The relevant issue is the insurer's FINMA authorisation and, for untied intermediaries, FINMA registration — not recognition of a foreign insurance licence or broker credential alone. |
| Foreign Companies | A foreign-owned company insuring Swiss-located risk should establish whether the selected insurer is Swiss-authorised or whether an alternative cross-border route is lawfully available for the relevant risk class and policy structure. |
| Language Considerations | Domestic policy wording and commercial communication may be issued in German, French or Italian. English is common for international programmes, but English documentation should not be assumed to remove the need for Swiss-law, local-policy or local-language analysis. |
| International Rules | Switzerland is not part of the EU or EEA insurance passporting system. Solvency II and IDD may influence the practices of foreign group insurers and brokers, but they do not themselves create Swiss market access rights. |
| Practical Considerations | Placement planning should account for Swiss insurer licensing, untied intermediary register status, local fronting or admitted-policy needs, premium taxes where relevant, currency, claims handling and coordination with global master policies. |
| Typical Risk | Assuming that an EEA insurer's passport, a foreign broker appointment or a group-level master policy automatically authorises or fully satisfies insurance arrangements for Swiss-located risks. |
Operating Constraints & Risks
The central practical risk is treating commercial insurance as a routine annual purchase rather than a structured risk management, regulatory-routing and disclosure process. Incomplete risk disclosure, unverified intermediary status, inappropriate assumptions about cross-border market access and inconsistent coverage across group entities can affect claims outcomes, pricing and legal exposure.
| Disclosure Risk | Inaccurate or incomplete underwriting disclosure can lead to reduced claims settlement, contractual remedies or disputes under the Insurance Contract Act and policy terms. |
| Coverage Gap Risk | Inconsistent policy wordings across a multinational programme can leave Swiss-specific risks uninsured or under-insured. |
| Intermediary Status Risk | Appointing an alleged independent intermediary without verifying FINMA register status may create compliance, representation and professional-liability concerns. |
| Non-Admitted Insurance Risk | Assuming EEA passporting or a foreign master policy automatically permits insurance of Swiss-located risk may create regulatory and claims-enforceability issues. |
| Mandate Risk | Unclear intermediary instructions, remuneration arrangements or fiduciary role can create conflicts of interest or service-standard disputes. |
| Renewal Timing Risk | Late renewal review can result in coverage lapses or reduced negotiating leverage in a hardening market. |
Costs & Fees
There is no statutory fee schedule for commercial insurance placement in Switzerland. Commercial terms are determined by the underwriting insurer's premium quotation and any broker or intermediary remuneration agreement, and should be distinguished from risk-engineering, legal, tax, programme-coordination or claims-handling costs that may arise outside the core premium.
| Fee Basis | Premium set by the underwriting insurer, plus broker or intermediary commission or fee-based remuneration as agreed in the mandate or terms of business. |
| Typical Components | Risk assessment, market broking, policy wording negotiation, programme coordination, certificate issuance, mid-term administration and claims support. |
| Potential Additional Costs | Risk-engineering surveys, legal review of Swiss policy wording, tax analysis, actuarial input for large or complex risks, translation and specialist claims advocacy. |
| Registration Costs | FINMA's intermediary registration and supervisory charges apply to the registered intermediary, not as a statutory commercial-placement fee charged to the policyholder. |
| Contractual Variables | Deductibles, co-insurance shares, premium payment terms, cancellation provisions, currency, local-fronting costs and broker exclusivity or panel arrangements. |
FAQ
| Is commercial insurance a separately regulated activity in Switzerland? | No. There is no dedicated licence for "commercial insurance" as distinct from other insurance business. Insurance undertakings require FINMA licensing under the ISA, while untied insurance intermediaries must be registered in FINMA's public register. |
| What is an untied insurance intermediary in Switzerland? | An untied intermediary is an insurance intermediary that acts in a fiduciary relationship with policyholders and in their interest. It must meet the relevant statutory requirements and be entered in FINMA's public register to operate on an untied basis. |
| Are tied intermediaries registered with FINMA? | Generally no. Under the revised regime, registration is mandatory for untied intermediaries; tied intermediaries may only be entered in exceptional cases, notably where registration is required for activity abroad. |
| Can an EEA insurer write commercial risk located in Switzerland under passporting rights? | EEA passporting rights do not extend to Switzerland. The lawful route depends on the Swiss regulatory position of the insurer, the risk class and the placement structure; this should be confirmed for the specific case. |
| Must a broker be used to place commercial insurance in Switzerland? | No. Cover can be placed directly with an authorised insurer. Untied intermediaries are commonly used for complex, multi-line or multinational commercial risk, especially where a policyholder seeks independent market representation. |
Operational Considerations
This section records the principal operational variables that commonly determine how a commercial insurance placement is scoped, documented, conducted and concluded. The variables are registry-oriented reference points and do not determine the outcome of any individual placement.
| Insurer Authorisation | Whether the insurer is authorised by FINMA and for the relevant class of business is a central threshold issue for Swiss risk placement. |
| Intermediary Classification | The distinction between tied and untied intermediaries determines whether FINMA public-register verification is mandatory and informs the intermediary's relationship to the policyholder. |
| Sector Context | Sector-specific exposures in life sciences, financial services, commodity trading, industrial manufacturing, technology and international group operations shape the relevant coverage lines and underwriting evidence base. |
| Placement Route | The distinction between direct placement, FINMA-registered untied intermediary placement and coordinated global programmes depends on risk complexity, organisational structure and lawful Swiss market access. |
| Evidence Base | Risk submissions, disclosure records, insurer and intermediary verification records, policy wordings and claims history form the documentary basis of the placement where relevant. |
| Decision Scope | A bound policy or programme defines the risk transferred to the insurer; it does not itself eliminate the underlying operational risk. |
| Change Management | Later changes in operations, asset base, group structure, foreign activity or risk profile may require mid-term policy adjustment or an updated renewal strategy. |
Jurisdictional Expert
This registry position is separate from the editorial reference content. Its availability does not affect the neutral description of commercial insurance in Switzerland.
| Registry Position ID | RE-CH-COMINS-001 |
| Registry Availability | Open |
| Verification Status | No verified participant currently assigned to this registry position. |
| Coverage | Swiss commercial insurance placement, FINMA insurer and untied intermediary verification, large-risk and cross-border programme relevance, and coordination of Swiss-located risk within international insurance programmes. |
| Registry Reference | CIR-CH-COMINS-001-A Jurisdictional Expert Position |
| Contact Information | Registry position not yet assigned. |
Machine Layer
| Object DNA | commercial insurance switzerland swiss insurance broker untied intermediary tied intermediary FINMA insurance supervision act ISA ISO insurance contract act ICA VVG large risk property liability business interruption cyber D&O claims placement renewal non-admitted global programme |
| AI Retrieval Summary | Neutral registry object describing how commercial insurance operates in Switzerland, including FINMA insurer licensing, the tied and untied intermediary distinction, mandatory registration of untied intermediaries, placement process, documents and cross-border considerations outside the EEA passporting regime. |
| Entity Index | Switzerland Commercial Insurance FINMA Federal Insurance Supervision Act Insurance Supervision Ordinance Federal Insurance Contract Act Untied Insurance Intermediary Tied Insurance Intermediary Swiss Insurance Association EEA Passporting |
| Machine Metadata | Registry rendering layer https://commercial-insurance-registry.org/css/registry.css — Object ID CH.COMINS.001 — Machine Reference CIR-CH-COMINS-001-A — Internal Classification Business > Risk Management > Commercial Insurance > Switzerland |
| Internal References | Registry Object — Jurisdiction Node — Editorial Record — Jurisdictional Expert Position — Machine-readable Reference Node |