Who typically covers damage from a fire in Canton Bern?

In Canton Bern, the cantonal building insurer usually covers structural damage from fire and natural hazards, subject to policy terms. Private insurers typically cover household contents and tenant improvements. Landlords should also review loss‑of‑rent provisions, while tenants should check alternative accommodation coverage. Notify insurers quickly, document damage thoroughly, and keep invoices to support claims and speed resolution.

Could the Bolligen fire raise premiums in the area?

Premiums respond to loss experience and risk quality. If investigations tie the incident to renovation issues or highlight systemic problems, underwriters may tighten terms, require more documentation, or adjust pricing. Buildings with strong compliance, clear maintenance records, and recent safety checks are better positioned to keep stable premiums and avoid restrictive conditions at renewal.

What should landlords and HOAs request after renovations?

Ask for permits, commissioning reports, installer certifications, and as‑built drawings. Photograph concealed works before closing. Schedule independent electrical checks and verify fire doors and compartmentation. Keep maintenance logs updated. The Bolligen fire shows that strong records help with claims, financing, and insurance renewals, while gaps can delay repairs and increase costs for owners and residents.

What due diligence should buyers do in Switzerland after a Bern apartment fire nearby?

Review the building’s renovation history, compliance certificates, and inspection reports. Ask for recent electrical test results and contractor insurance details. Confirm coverage for the building and contents, plus loss‑of‑rent provisions if you plan to lease. The event does not preclude investment, but it raises the bar on documentation and safety evidence.

Law and Government

Bolligen Fire February 5: Safety and Insurance Risks in Focus

ByHuzaifa Zahoor February 5, 2026February 5, 2026

The Bolligen fire is prompting fresh questions about building safety Switzerland and Swiss property insurance. A newly renovated apartment in the Bern suburb saw two people hospitalised for suspected smoke inhalation, and the unit is now uninhabitable while cause and damage are investigated. For investors, the Bolligen fire highlights near‑term claim risk, inspection rigor, and possible pricing shifts. It also raises scrutiny over renovation quality, contractor oversight, and compliance that can affect cash flows and property values across the Bern apartment fire market.