Questions frequently asked: rental guarantee for commercial use

  • What is the maximum deposit amount guaranteed by SwissCaution for a commercial lease?

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

  • I already have a bank deposit. Can I release it today?

    Yes, you can establish a SwissCaution rental guarantee at any time and thereby recover the money you deposited at your bank. We advise you to request prior consent from your lessor or real estate agency.

  • I am moving to different premises, how do I terminate my SwissCaution rental guarantee?

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

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

    Don’t forget to contact your insurer (third-party liability/household insurance) who could take care of these costs for you in certain circumstances.

    To quickly obtain a rental guarantee for your new commercial space, you need to submit another SwissCaution rental guarantee request based on your new lease contract.

  • Is the rental guarantee issued by SwissCaution equivalent to a bank rental guarantee?

    Yes, the SwissCaution rental guarantee replaces the bank deposit and offers your lessor the same security and value as a bank rental guarantee.

    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). SwissCaution thus offers the same guarantees as a bank.

  • How long am I tied to my SwissCaution rental guarantee?

    The rental guarantee takes effect on the date of issue of your rental guarantee and is valid unless the lessor has released the rental guarantee from SwissCaution.

    You can terminate your SwissCaution rental guarantee at any time. To do this, you need to provide your lessor with a substitute guarantee for the same amount and value. Only your lessor or your lessor’s representative can release your rental guarantee by signing and returning the original rental guarantee to SwissCaution.

  • How is the rental guarantee premium calculated 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) on the strict condition that at least one personal guarantor resident in Switzerland is committed jointly and severally as a debtor.

    Once your request has been accepted, you will have to pay the first annual premium to SwissCaution to validate your rental guarantee.

  • How long does it take to consider my request?

    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.

  • Can my request be refused?

    Your request can be refused if it contains false or incomplete information. Too high a risk or insufficient solvency are also grounds for refusal.

  • What happens if my lessor refuses the rental guarantee?

    The lessor is legally supposed to accept the rental guarantee without bank deposit. If your rental guarantee is refused, you can ask SwissCaution to contact your lessor directly. If the refusal persists, your lessor must return the original certificate to SwissCaution, indicating refusal. In this case, you obviously have nothing to pay.

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Residential lease

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For all rental guarantees over CHF 50,000.-, please contact our Client Service on 0848 001 848 or by e-mail at info@swisscaution.ch.

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