In the case of rental agreements for commercial premises, landlords often demand a higher security deposit than is usual for residential rental agreements, partly because the law places no limit on the amount of the security deposit Rental deposit is specified. In practice, tenants of commercial premises often have to provide a rental deposit of six months' rent on average. In most cases, the rent deposit is paid via an interest-bearing rent deposit or a bank guarantee.

The alternative to the conventional commercial rental deposit is goCaution Commercial rent deposit insurance. In this way, tradespeople can insure the sum for the rental deposit against payment of an annual premium. This means that the liquid funds remain in the company's possession and can ideally be used for other investments.

With commercial rental deposit insurance, we offer you a secure and cost-effective alternative to the conventional blocked account at the bank. The otherwise unnecessarily tied up - and often poorly interest-bearing - capital can now be used where it makes the most sense for your entrepreneurial future: In your own company!

• Funds remain in the company's asset portfolio and can be used for smart investments in the company's own business model

• The insurance premium can be claimed for tax purposes

• Deposit money is only due when a claim (=insured event) occurs, so in the best case it is not due at all

• Credit lines and liquidity are not affected by the rental deposit

The commercial rental deposit is aimed at all individuals and companies who have to pay or have already paid a rental deposit for commercial rental agreements and want to keep their own funds at their free disposal.

Yes, even a rental deposit that has already been paid can be converted into a rental deposit guarantee. If your landlord agrees to the change, you can apply for a commercial rent deposit guarantee. Once the original guarantee certificate has been issued, your landlord will initiate the release of the rent deposit.

The maximum deposit amount is CHF 150,000. Higher deposits are possible on request and are subject to individual review.

Please use the Online application for commercial rent deposits. Here you can apply for your commercial rent deposit easily and in just a few steps and have us prepare a quote for you. Alternatively, you can also use the PDF application im download center. Send us the completed and signed form, together with the required documents if applicable, either electronically or by post.

After a preliminary check, the application will be forwarded to UNIQA Versicherung AG for further processing. Upon acceptance of the application and receipt of payment of the first annual premium, we will send your landlord the official guarantee certificate. After that the Rent deposit insurance completed.

We need the following documents to check your request and prepare an individual offer:

For commercial rental deposits of up to CHF 10,000, we require the following documents:

• Copy of the commercial rental agreement (all pages)
• Copy of the current debt collection statement from the company (not older than three months)
• Copy of the current debt enforcement extract from the owner / managing director (not older than three months)

For commercial rental deposits over CHF 10,000, we require the following documents in addition to those listed above:

• Annual financial statements for companies that have been in existence for more than 2 years
• Business plan for companies that have been in existence for less than 2 years or for start-ups

Depending on the amount of the deposit, the application review can take between one and three working days. A complete dossier submitted from the outset can significantly shorten the review time.

Depending on the risk assessment, collateral such as a counter-guarantee (joint and several guarantee) to the owner of the company may be required.

An application may be rejected if the risk is too high or the current creditworthiness of the company or owner is insufficient. Other reasons for rejection may include incorrect or incomplete information provided by the applicant in the application.

Landlords often demand a higher security deposit for commercial leases than is usual for residential leases, especially as the amount of the security deposit is not limited by law. In practice, it is often the case that tenants of commercial premises have to pay a security deposit amounting to an average of six months' rent. The rent deposit is usually paid in the form of an interest-bearing rent deposit or a bank guarantee.

The alternative to the conventional rent guarantee for tradespeople is the rent guarantee insurance for tradespeople goCaution. This allows tradespeople to pay an annual premium to secure the amount of their rental deposit. This means that the liquidity remains in the company and can ideally be used for other investments.