Insurance & Certification for Safes and Security Cabinets

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Manufacturing Standards & Protection Levels

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Safes and security cabinets offer different levels of protection against:

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• Burglary

• Fire

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Models may be certified (tested) or non-certified.

Only safes tested in accredited laboratories provide guaranteed resistance that is recognised by insurance companies.

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For many years, Swiss insurers referred to the ASA directory (former Swiss standard).
Today, most rely on European EN standards.

Insurance Value Classification (Indicative)

Former Swiss ASA referenceEN StandardIndicative insured value (CHF)

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Under 100 kgEN 0 / N≈ 5’000.–

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Over 100 kgEN I≈ 20’000.–

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Over 300 kgEN II≈ 50’000.–

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ASA List 2EN III≈ 150’000.–

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ASA List 1EN IV≈ 500’000.–

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—EN V≈ 1’000’000.–

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—EN VI> 1’000’000.–

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Important: These values are indicative.

Insurance companies may apply different limits and usually distinguish between:

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• Valuables (jewellery, watches, etc.)

• Cash (lower coverage limits)

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Anchoring & Insurance Requirements

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In most cases, anchoring the safe is mandatory — particularly for models under 300 kg.

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✅ Stronger resistance to removal
✅ Often required by insurers for coverage

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Alarm System & Increased Coverage

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Installing a burglar alarm system, and in some cases direct alarm contacts on the safe, may allow an increase in insured value.

Important Notice

 

Installing a safe, even a certified one, does not automatically guarantee insurance coverage.

The level of protection must be reviewed and confirmed directly with your insurance provider.
Each insurer determines the insured limits based on your policy.

Fire-Resistant Safes

Some safes and cabinets offer fire-rated protection.

Fire tests include:

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1. Heating the safe in a high-temperature furnace

2. Maintaining temperature for a specified duration (30 / 60 / 120 minutes)

3. Allowing the furnace to cool naturally
   → Simulates real fire conditions and cooling phase

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Certified fire protection can apply to paper documents or digital media, depending on the rating.

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✅ Summary

• European EN standards are the current reference

• Insurance coverage depends on the safe’s level

• Anchoring required in most cases (especially <300 kg)

• Alarm system can increase coverage

• Final insured value set by your insurer

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Techno Safe supports you in selecting a safe that meets European standards and Swiss insurance requirements.