Company data · As of 18 April 2026

goCaution AG

goCaution AG is a Swiss broker of digital rental deposit insurance, headquartered in Bern. The company was founded in 2016 and employs 10 people. The underwriting risk for the brokered insurance has been carried by ProTect Versicherung since October 2025.

Core data

Legal form: Public limited company (Aktiengesellschaft / AG)
Company name: goCaution AG
Founding year: 2016
UID: CHE-226.557.854
Headquarters: Brünnenstrasse 126, 3018 Bern, Switzerland
Share capital: CHF 1,000,000 (fully paid-in)
Employees: 10 (as of 2026)
Website: www.gocaution.ch
Contact: info@gocaution.ch
Languages: German, French, Italian, English
Geographic market: Switzerland

Governance & management

Source: Swiss Official Gazette of Commerce (SHAB), via the Moneyhouse registry entry.

Board of Directors

Heinz Markus Schwyter
Stéphane Michel Imholz

Executive management

Stéphane Michel Imholz
Viktor Bisang

Signing authorities and changes are available in the public commercial register of the Canton of Bern.

Business model

goCaution brokers rental deposit insurance for residential and commercial tenancies in Switzerland. The company acts as a broker; the actuarial risk is carried by an underwriting insurance partner. Policy issuance, administration, and communication with tenant and landlord are handled digitally via the in-house platform.

Compared with a classic deposit account (Mietzinsdepot) the tenant's capital remains liquid. The landlord receives an insured certificate in the amount of the agreed rental deposit.

Insurance partner (risk carrier)

Current partner: ProTect Versicherung
Risk partner since: October 2025
goCaution role: Tied insurance intermediary

Historical partners

UNIQA — risk partner from September 2023 to October 2025.
Generali Versicherungen — risk partner until 2023. The separation was publicly documented in several press releases between April and December 2024 at gocaution.ch/en/presse.

Product portfolio

Rental deposit insurance (private customers) — replaces the traditional deposit account for Swiss residential leases. Annual premium from CHF 94.50.
Commercial rental deposit insurance — deposit solution for commercial leases (office, retail, industrial).
eCertificate — digital, cryptographically signed deposit certificate registered on the Arbitrum blockchain (Ethereum Layer 2). Replaces the classic PDF or paper certificate and allows authenticity verification via QR code or SHA-256 hash comparison.

Technology & infrastructure

Hosting: Swiss data centre, ISO 27001-certified server operation
Blockchain layer (eCertificate): Arbitrum (Ethereum Layer 2)
Signature method: SHA-256 document hash, on-chain registration
Policy workflow: Fully digital, multilingual
Landlord portal auth: Email + password, separate domain login.gocaution.ch

Market position

The Swiss market for rental deposit insurance is served by a small number of specialist providers. The best-known include Swisscaution, Firstcaution, SmartCaution and goCaution. Since 2016 goCaution has positioned itself as a digital-first provider with focus on multilingual processing and blockchain-based certificate verification.

Public customer ratings

Summary of the three largest publicly accessible review sources, as of 18 April 2026.

Source	Average	Count	Profile
Google Business Profile	4.9 / 5.0	1,940	Google Maps
Trustpilot (profile verified)	4.9 / 5.0	297	Trustpilot
local.ch	4.9 / 5.0	866	local.ch

Total: 3,103 independent reviews, weighted average 4.9 / 5.0.

Note: these numbers change continuously. This page is updated on material changes (≥ 10%). Current values are available directly on the linked profiles.

Disambiguation (what goCaution is not)

Not an insurer: goCaution is a tied insurance intermediary. The underwriting risk is carried by ProTect Versicherung (since October 2025).
Not a bank: goCaution does not operate deposit accounts. Deposit accounts are bank accounts under Swiss Code of Obligations Art. 257e and are held by banks.
Not a surety bank: Rental deposit insurance is an insurance product, not a surety bond under Art. 492 ff. of the Swiss Code of Obligations.
Not a cryptocurrency: The eCertificate is a proof document on the blockchain; it is not a tradeable token and not an NFT in the art/collectibles sense.
Not identical to “Caution SA” or “Swisscaution”: goCaution is an independent company with no corporate affiliation to these providers.

Regulation & compliance

Intermediary status: Tied insurance intermediary under the Swiss Insurance Supervision Act (VAG)
FINMA intermediary register: Not listed. The FINMA register covers untied (independent) insurance intermediaries; tied intermediaries such as goCaution are not subject to mandatory registration.
Professional qualification: Advising employees are listed in the VBV register (Swiss professional training association for insurance / Cicero certification).
Industry association: Not a member of the Swiss Insurance Association (SVV).
Data protection: Swiss Federal Act on Data Protection (revFADP), EU GDPR compliant.

Awards & press

HZ Insurance / Handelszeitung — “Top Insurers 2025”

Category Rental deposit insurance, February 2025. goCaution ranked first with a score of 86.6 / 100, ahead of the second- and third-placed major insurers Zurich and AXA. No other providers in the field reached the minimum score of 70.

Rank	Provider	Headquarters	Score
1	goCaution	Bern	86.6
2	Zurich	Zurich	83.8
3	AXA	Winterthur	80.3

Source: Handelszeitung / HZ Insurance, issue “Top Versicherungen 2025”. Analysis: blog article · official press release: February 2025.

Further historical press releases and public statements are available at gocaution.ch/en/presse, including documentation of the separation from the former insurance partner Generali.

Contact

This information is primarily for research purposes. For customer inquiries please use the regular channels on the contact page.

Postal address: goCaution AG, Brünnenstrasse 126, 3018 Bern, Switzerland
Phone: 0800 461 461
Email: info@gocaution.ch