Building insurance Bern

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Building insurance Bern

logo
legal form public institution
founding 1807
Seat Ittigen , Switzerland
management Stefan Dürig
(Chairman of the Management Board )
Reto Heiz
( Chairman of the Board of Directors )
Number of employees 580 (December 31, 2018)
sales 240 million CHF (December 31, 2018)
Branch Insurance
Website www.gvb.ch

The building insurance Berne (GVB) is a 1807 established under public law , financially independent insurance companies of the Canton of Bern , which is guided by principles of private enterprise. Legal basis for the activity of GVB forms the law on the building insurance of Canton Bern (GVG).

Basic insurance against fire and natural hazards from GVB is mandatory for all homeowners in the canton of Bern. This creates synergies that lead to lower premiums and appropriate solidarity. The main task also includes elementary and fire prevention, which GVB is strongly committed to. In addition, the GVB, with its internal fire brigade inspectorate, is the strategic supervisory body of the fire brigades in the canton of Bern.

The GVB also ensures compliance with fire protection requirements in building permit procedures for new buildings and renovations and checks fire safety in buildings with a high number of people.

Corporate structure

The private law subsidiaries GVB Privatversicherungen AG and GVB Services AG offer voluntary supplementary insurance and other services around the house. Through this diversification, among other things, the GVB Group is reducing the risk of natural events, which has increased due to climate change , and is keeping its premiums low.

GVB Private Insurance AG

GVB Privatversicherung AG is a subsidiary of the Gebäudeversicherung Bern (GVB) under private law and is subject to the Swiss Financial Market Supervisory Authority (FINMA) . Your insurance products complement the mandatory building insurance.

GVB Services AG

GVB Services AG is a subsidiary of the Gebäudeversicherung Bern (GVB) under private law and offers various services for everything to do with the house, such as integral fire protection advice by SafeT Swiss, the prevention app “ Weather Alarm ” and the hausinfo.ch platform.

engagement

Climate commitment

As an insurer of natural hazards, GVB is directly affected by the effects of climate change. That is why GVB is committed to climate protection in a variety of ways and, with its climate strategy defined in 2007, is gradually striving for CO 2 -neutral business activities.

Fire prevention

The GVB regularly launches prevention campaigns and tries to sensitize the Bernese population to various topics. As a preventive measure , it provides the schools in the canton of Bern with the " Zouber-Chischte ", which is intended to help teach students how to deal with fire correctly. With the “Guardian Angel” campaign, the GVB is giving all newborns in the Canton of Bern a smoke alarm on behalf of the community and the fire brigade . For personal safety, ash pails are also offered for storing ashes and embers.

Elementary prevention

The Foundation for Prevention and Uninsured Building Damage established by the GVB supports preventive measures and uninsured building damage is borne.

Cultural engagement

With the GVB Kulturstiftung, the GVB supports selected projects in the fields of culture, education, society and science. In doing so, the foundation tries to enable a wide range of cultural activities in the canton of Bern.

history

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Due to the compulsory insurance and the insurance monopoly, every building in the canton of Bern is insured with the GVB. This makes it one of the best-known institutions in the Canton of Bern. In the course of time, various events in the canton of Bern have resulted in the GVB's legal mandate being expanded. Other tasks have been added, from fire fighting to climate research. The most important milestones in the history of building insurance are listed below:

year
1807 Establishment of the fire insurance institute of the canton of Bern (BVA, today's GVB) with around 6,000 insured buildings and a total insurance value of around CHF 20 million, initially for a trial period of 25 years. Insurance of buildings against fire damage at fair value with a flat rate.
1881 Introduction of general compulsory insurance and the insurance monopoly by the BVA. The buildings were insured for 80 percent of the insured value; the premium is based on hazard classes.
1903 Foundation of the Association of Cantonal Fire Insurances (VKF) as the umbrella organization for the 18 Swiss public building insurance companies.
1914 - Insurance of the building at 100 percent of the insured value.

- Introduction of construction and explosion insurance on a voluntary basis.

- Introduction of contributions to damage prevention and control.

- Participation in the fire police.

1927 Introduction of additional insurance cover for the risks of natural hazards storm winds, floods, flooding, avalanches, snow pressure and slides, rock falls and landslides.
1942 Inclusion of the hail risk for buildings.
1951 Transfer of the fire police functions from the Canton of Bern to the BVA and thus the tasks of loss prevention and combating.
1971 - Enactment of the Building Insurance Act, which is still in force today. It brought the premium calculation based on a risk-adjusted tariff as well as the inclusion of insurance cover for smoke, heat, explosion and meteor damage.

- The law introduces compulsory construction insurance and indexed new value insurance.

- BVA was renamed Building Insurance of the Canton of Bern (GVB).

1978 Establishment of the Swiss pool for earthquake coverage for the 19 cantonal building insurance companies.
1999 Avalanches, floods, hail and hurricane Lothar made the year one of the biggest loss years for GVB to date. Around 72,000 buildings were damaged, the total damage totaling CHF 364.7 million.
2001 GVB took over the oil and chemical defense / road rescue division from the canton of Bern .
2003 Building Insurance Bern launched the hausinfo.ch internet platform together with the homeowners association as an online guide.
2004 Together with the fire brigade association of the canton of Bern, the GVB launched the cantonally organized youth fire brigade , which promotes the youngsters for the militia fire brigades .
2005 The floods of August 20 and 21 became the GVB's biggest natural hazard to date. 6,432 buildings were damaged, the total damage amounted to CHF 308.6 million. The year 2005 was thus GVB's highest loss year overall.
2006 Establishment of the Bern Foundation for the Prevention of Building Damage . It is intended to motivate building owners to take measures to protect against natural hazards.
2007 - GVB celebrated its 200th anniversary under the motto 200 years of protection and security .

- The canton of Bern was hit by a series of severe storms in summer (including the flood at the beginning of August ); practically no region was spared. The Lyss community in the Bernese Seeland was flooded three times by the Lyssbach .

- At the first “National Climate Forum” in Thun , organized by the GVB and the University of Bern, over 400 personalities from science, business and politics discussed the effects of climate change on the environment and the economy.

2009 A wide hailstorm on July 26, 2009 damaged 16,800 buildings and caused building damage amounting to 60 million francs. The hail lasted about 30 minutes and caused the GVB as much damage as the usual average in a whole year.
2010 - On June 9th, the Grand Council passed the completely revised Building Insurance Act, which was intended to strengthen the GVB's willingness to perform in the long term. Proven elements such as the legal form and monopoly with compulsory insurance remained in place. GVB has now been given more entrepreneurial freedom of action, which enables it to base its risks more broadly and improve its underwriting result. Management and supervision are clearly separated.

- In December, the newly founded subsidiaries GVB Privatversicherungen AG and GVB Services AG were entered in the commercial register.

2011 GVB Services AG begins its work. The new Building Insurance Act comes into force in January.
2012 - The “National Climate Forum ” established by the GVB in 2007 developed into the Swiss Energy and Climate Summit (SwissECS) and has been held annually in Bern since then. The GVB is still the main partner.

- The operating license of GVB Privatversicherungen AG came into force after a federal court decision .

2013: GVB Privatversicherungen AG started its business activities.
2014 Heavy thunderstorms and the constant rain in summer caused damage totaling 14 million francs for GVB and GVB Privatversicherungen AG.
2015 Due to the increased earthquake risk in Switzerland, GVB Privatversicherungen AG introduced additional insurance for earthquakes, which is also effective beyond the cantonal borders.
2017 - The Weather Alarm app received the Gold Award in the “ User Experience ” category at the Best of Swiss Apps 2017 .

- As a commitment to climate protection, the GVB took over the financing of a newly created professorship for climate and environmental economics at the University of Bern . This deals with the consequences of climate change for the economy and society.

- On May 31, 2017, a hailstorm over the Thun region caused devastating damage from natural forces amounting to 19 million francs in a very short time.

2018 - In January, storm Burglind swept over Switzerland. As a result, GVB and its subsidiaries received around 20,000 damage reports totaling 35 million francs.

- GVB Privatversicherungen AG launched a new insurance product in the so-called GUSTAVO cantons (Geneva, Uri, Schwyz, Ticino, Appenzell Innerrhoden, Valais and Obwalden).

literature

Web links

Individual evidence

  1. ↑ Entry of "Gebäudeversicherung Bern (GVB)" in the commercial register of the canton of Bern
  2. ↑ a b Annual Report 2018
  3. ↑ The VKF fire protection regulations, which are valid throughout Switzerland, form the legal basis for implementing fire protection in buildings. Accessed on October 16, 2019 .
  4. ↑ Building applications, building permit. March 2, 2016, accessed October 16, 2019 .
  5. ↑ SafeT Swiss. Retrieved October 16, 2019 (Swiss Standard German).
  6. ↑ hausinfo - GVB Hausinfo. Retrieved October 16, 2019 .
  7. ↑ Climate commitment. September 29, 2015, accessed October 16, 2019 .
  8. ↑ Prevention Foundation. September 29, 2015, accessed October 16, 2019 .
  9. ↑ Cultural Foundation. September 29, 2015, accessed October 16, 2019 .
  10. ↑ Decree of the Bernese systematic collection of laws BSG / Acte législatif du Recueil systématique des lois bernoises RSB. Retrieved November 20, 2019 .
  11. ↑ DV Bern AG: Entry in the commercial register of GVB Privatversicherungen AG. Retrieved October 16, 2019 .
  12. ^ DV Bern AG: Entry in the commercial register of GVB Services AG. Retrieved October 16, 2019 .