Swisscaution
SwissCaution is a FINMA-approved Swiss insurance company that issues rental guarantees as an alternative to bank deposits for residential and commercial tenants, serving 400,000+ customers through online, post office, and Mobiliar agency channels in Switzerland.
- Company typePrivate
- Founded1991
- HeadquartersBussigny, Switzerland
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What Swisscaution does
SwissCaution is a FINMA-approved Swiss insurance company that issues rental guarantees as an alternative to traditional three-month bank deposits for residential and commercial leases. Founded in 1991 and headquartered in Nyon, the company operates a digital-first insurance platform where tenants can calculate premiums, register online, and receive a guarantee certificate accepted by landlords, while commercial tenants receive unlimited guarantee amounts priced at 5% of the guarantee plus fixed fees. Its products are distributed through a hybrid model combining a self-serve web channel, a dedicated B2B portal (SC Pro) for real estate agencies and landlords, Swiss Post offices, and Mobiliar general agencies across Switzerland.
The business runs on a recurring annual premium model, with revenue generated from subscription-style premium payments on each in-force guarantee. Differentiation is built on regulatory credibility (FINMA approval since 2008), a 2,500+ real estate partner network, and bundled value-add services such as a free 24/7 HomeAssistance emergency line, a youth discount for tenants under 26, and a loyalty discount from year two. Since 2016, SwissCaution has operated as a wholly-owned subsidiary of the Swiss Mobiliar Cooperative, retaining brand independence while leveraging the parent's distribution and insurance infrastructure. As of the latest data, the company serves 400,000+ customers with CHF 1 billion in cumulative guarantees issued, adds roughly 45,000 new customers per year, and employs over 95 people across offices in Nyon, Zurich, Bern, Lausanne, Morges, and Bellinzona. Revenue is not separately disclosed and is consolidated within the Mobiliar Group's financial reporting.
Swisscaution firmographics
Firmographics- Name
- Swisscaution
- Legal name
- SC, SwissCaution SA
- Website
- https://swisscaution.ch
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Short description
- SwissCaution is a FINMA-approved Swiss insurance company that issues rental guarantees as an alternative to bank deposits for residential and commercial tenants, serving 400,000+ customers through online, post office, and Mobiliar agency channels in Switzerland.
- Ownership category
- akta.pro rank
Swisscaution industry classification
Industry- Product category
- Rental Guarantee Insurance
- NAICS
- Insurance Carriers and Related Activities (524), Insurance Agencies and Brokerages (52421)
- SIC
- Surety Insurance (6351), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Renters Insurance (FSAJACAB)
Keywords
Where Swisscaution is headquartered
LocationHeadquarters
- HQ city
- Bussigny
- HQ country
- Switzerland
- HQ region
- Europe
Offices6 records
Markets served
Swisscaution business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Annual Rental Guarantee Premiums: Annual premium payments from tenants for rental guarantee coverage. Premium is calculated based on the guarantee amount. Residential customers receive loyalty discounts from year 2 onwards and youth discounts for tenants under 26.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Residential Rental Guarantee |
| Subscription | Annual | Commercial Rental Guarantee |
| Freemium | Pay-as-you-go | Provisional Certificate |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels4 records
Swisscaution product offering
Product offeringCore offering
SwissCaution is a FINMA-approved Swiss insurance company that issues rental guarantees as an alternative to traditional 3-month bank deposits. Tenants (residential and commercial) pay an annual premium instead of blocking funds with a bank, while landlords receive equivalent security coverage recognized under Swiss insurance law. The company also distributes complementary free services such as the Provisional Certificate and 24/7 HomeAssistance emergency support.
Product overview
SwissCaution offers a suite of rental guarantee insurance products that replace traditional bank deposits for Swiss tenants and businesses. The core offering consists of two main products: Rental Guarantee for Residential Lease and Rental Guarantee for Commercial Lease, both available through online registration. These are supplemented by a free Provisional Certificate for strengthening rental applications, a complimentary 24/7 HomeAssistance service for residential customers, and discount programs for youth (under 26) and loyalty (from year 2). Real estate professionals access dedicated management tools through the SC Pro platform.
Differentiator
Problem solved
Functional benefit
Brands
- HomeAssistance: Free 24/7 emergency assistance service for rental guarantee subscribers covering water leaks, lost keys, and other household emergencies up to CHF 1,000 per intervention.
- SC Pro
Products and services
- Rental Guarantee for Residential Lease Core rental guarantee insurance product that replaces the traditional 3-month bank deposit for residential tenants in Switzerland. Tenants pay an annual premium instead of blocking funds, while landlords receive equivalent security coverage recognized under Swiss insurance law. Includes free HomeAssistance 24/7 service and eligibility for youth and loyalty discounts.
- Rental Guarantee for Commercial Lease Rental guarantee insurance for businesses, independent professionals, and commercial enterprises leasing office or retail premises. Offers unlimited guarantee amounts (unlike residential caps), providing financial flexibility by avoiding the immobilization of capital required for commercial lease deposits.
- Provisional Certificate (Attestation Provisoire) Free document issued to prospective tenants before they find an apartment, showing landlords that the tenant has pre-approved SwissCaution rental guarantee coverage. Valid for 3 months, delivered electronically, and used to boost rental applications.
- HomeAssistance Free 24/7 emergency assistance service included with residential rental guarantee subscriptions, covering household emergencies such as water leaks and lost keys up to CHF 1,000 per intervention. Unique among Swiss rental guarantee providers.
- SC Pro (SwissCaution Pro) Dedicated web portal for real estate agencies and landlords to manage and monitor all their rental guarantees, submit guarantee releases, and track coverage status for their property portfolios.
Companies that use Swisscaution
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Swisscaution technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Swisscaution partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Swiss Post (La Poste)coreSwiss Post offices serve as physical distribution points for SwissCaution rental guarantee services across Switzerland, expanding accessibility for customers.
- Mobiliar General AgenciescoreMobiliar insurance agency network provides in-person sales and advisory services for SwissCaution rental guarantees throughout Switzerland.
- Real Estate Partners (2,500+)coreNetwork of 2,500+ real estate agencies and portals that accept and promote SwissCaution rental guarantees as the preferred alternative to bank deposits.
Scale indicators5 records
Recent moves7 records
Expansion highlights4 records
Swisscaution competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights7 records
Customer concentration
Swisscaution social profiles
Digital presenceSwisscaution financial estimates
Financial estimateRevenue estimate
Valuation estimate
Swisscaution leadership team
Management profileNumber of profiles
Profiles6 records
Swisscaution funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Swisscaution M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Swisscaution
What does Swisscaution do?
SwissCaution is a FINMA-approved Swiss insurance company that issues rental guarantees as an alternative to traditional 3-month bank deposits. Tenants (residential and commercial) pay an annual premium instead of blocking funds with a bank, while landlords receive equivalent security coverage recognized under Swiss insurance law. The company also distributes complementary free services such as the Provisional Certificate and 24/7 HomeAssistance emergency support.
Is Swisscaution a public or private company?
Swisscaution is a private company. It is classified as corporate owned and is currently operating.
When was Swisscaution founded?
Swisscaution was founded in 1991.
Where is Swisscaution based?
Swisscaution is headquartered in Bussigny, Switzerland, in the Europe region.
How does Swisscaution make money?
One revenue line is on record: annual Rental Guarantee Premiums.
Does Swisscaution have an API?
No public API is recorded for Swisscaution.
What industry is Swisscaution in?
Swisscaution's product category is Rental Guarantee Insurance. Its primary akta.pro industry code is FSAJACAB, Renters Insurance. Its NAICS code is 524 and its SIC code is 6351.