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Frequently asked questions

Rental guarantee for commercial use

There is no limit to the amount of the rental guarantee for a commercial lease.

The annual premium is 5% of the rental guarantee amount (plus administrative and document issuance fee and Swiss federal stamp duty).
Once your request has been accepted, you will have to pay the first annual premium to SwissCaution to validate your rental guarantee.

After receiving your request and all the required documents, your file will be examined and you will be informed of our response within seven working days.

Your request can be refused if it contains false or incomplete information. High risk or a lack of solvency are also grounds for refusal.

The landlord is legally supposed to accept the rental guarantee without bank deposit. If your rental guarantee is refused, you can ask SwissCaution to contact your landlord directly. If the refusal persists, your landlord must return the original certificate to SwissCaution indicating a reason. In this case, you are not required to pay.

Ask your landlord or your landlord’s representative (real estate agency) to sign and return the original rental guarantee certificate to SwissCaution. Once we receive the signed original certificate from your landlord, you will be automatically released from paying the annual premium of the following year.

If your landlord has any claims against you (for damage or non-payment of rent), and if you agree, SwissCaution will directly pay your landlord the sum claimed up to the maximum amount of your rental guarantee. SwissCaution will simultaneously exercise its right of recourse against the tenant(s) for reimbursement of the amount advanced to your landlord.

Do not forget to contact your insurer (third-party liability/household insurance) to check if those costs could possibly be covered.

To quickly receive a rental guarantee for your new commercial premises, you need to register for a new SwissCaution rental guarantee based on your new lease contract.

Yes, you can sign up for a SwissCaution rental guarantee at any time and reclaim the money deposited at your bank. We recommend that you request approval from your landlord or real estate agency beforehand.

SwissCaution offers the same guarantees as a bank. SwissCaution is an insurance company subject to the law on insurance contracts and consequently to the supervision of the Swiss Financial Market Supervisory Authority (FINMA).