SBB's insurance programme is reinsured by the Group's own insurance company, SBB Insurance AG, as primary insurer on the global reinsurance market. SBB Insurance AG thereby assumes the role of fronter (incl. settling claims) and risk bearer.

The insurance programme from 1.1.2018 comprises property and liability insurance for damage between the value of CHF 1.0 m and CHF 400.0 m per insured event. The insured amounts are divided into 6 layers. The reinstatement options under fixed terms will remain unchanged. The insurance programme also comprises Non Damage Business Interruption (NDBI) for damage between the value of CHF 15.0 m and CHF 100.0 m, divided into 2 layers.

Property = 2. Layer.

Property = 3. Layer.

Property = 4. Layer.

Property = 5. Layer.

Sach = 6. Layer.

NDBI = 1. Layer.

NDBI = 2. Layer.