Programs insurance to help protect your business

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Programs


Currently, Zurich Programs serves the following market segments:

Agriculture

Crop

Plant with Blue GloveZurich can provide crop insurance nationwide, including multi-peril crop insurance (MPCI), crop hail insurance, named-peril products, and agent E&O. 

This program offers a broad array of products covering grains, cotton, fruits, vegetables and much more.

Contact Kevin Schlueter

Automotive aftermarket

blue auto handleZurich understands the unique risks and insurance needs of the automotive aftermarket industry. Our history of insuring the automotive industry goes back to 1922 and features a proprietary Unicover® policy that was developed to help protect against specific risks faced by the industry.



Coverage is available through Zurich’s program administrator, Arrowhead General Insurance Agency, for the following types of automotive aftermarket businesses:

  • Auto glass shops
  • Auto recyclers
  • Car audio shops
  • Carwashes
  • Collision repair
  • Commercial truck tire dealers and retreaders
  • Engine and parts re-manufacturers
  • Equipment dealers – forklift and construction
  • Heavy duty truck service and repair
  • Mechanical repair facilities
  • Oil and lube shops
  • Paint and body shop suppliers/PBE
  • Parts jobbers/retailers
  • Tire retailers
  • Tire Wholesalers
  • Trailer dealers - sales and repair
  • Towing operations
  • Used auto sales
  • Warehouse distributors

Coverages available may include:

  • Business interruption/extra expense
  • Commercial umbrella
  • Contents/stock and equipment
  • Crime
  • Customer auto coverage/garage keeper
  • Customer complaint defense
  • Customer loaners fleet and service vehicles/commercial auto
  • Discrimination and sexual harassment
  • Employee benefits
  • Employee tools
  • Equipment breakdown
  • Garage and general liability
  • Life insurance
  • Mechanics errors and omissions
  • Owned or leased buildings
  • Pollution liability
  • Premises and operations
  • Products and completed operations
  • Workers' compensation

Auto rental

Protection for your business and your fleet.

As a rental fleet operator, you know how important insurance coverage is to your business. You need dependable coverage so you can concentrate on what’s important – your customers.

Zurich is a leading provider of insurance solutions for rental operators, with a wide range of limits and coverage options to meet the needs of any size fleet.

Coverages

  • Auto Liability
  • Physical Damage
  • Supplemental Liability Insurance
  • Personal Accident and Personal Property Insurance Counter products to help increase your revenue per transaction

Benefits

  • Nationwide coverage
  • Specialized coverage forms
  • Expert sales staff, agents and underwriting staff specialized in the auto rental industry
  • Dedicated claims support available 24/7

You can depend on Zurich to provide an insurance solution that meets your needs – so you can focus on your customers.

 

Boutique hotels, resorts and private resort communities

The upscale hospitality industry faces unique risks that require specialized insurance. Through our program administrators, Zurich offers specialized coverage for boutique hotels, resorts and management companies to help protect their property, employees and guests.

A broad range of coverages is available, including:

  • Property
  • Inland marine
  • Crime
  • Guest property
  • General liability
  • Liquor liability
  • Auto/GKLL professional liability
  • Cyber
  • Pollution
  • EPL
  • Workers’ compensation
  • Umbrella liability

Other coverage highlights include enhanced property capacity including flood and quake, broadened property enhancements, business interruption including building ordinance and extended period of indemnity, non-auditable general liability including third party discrimination, abusive acts, miscellaneous professional liability, and crisis management services.

Eligible property types

  • Boutique hotels
  • Premier and full-service hotels
  • Condo hotels
  • Casino hotels
  • Hotel management companies
  • Resorts
  • Private resort communities (gated communities)
  • Private social clubs (with lodging)

Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.

Hotel owners and managers can access this coverage through our program administrator, Venture


Excess and surplus hotel and motel property insurance  

Hotels and motels that have recently filed an insurance claim may find it difficult to secure coverage for their properties.

Zurich offers a solution with an excess and surplus lines product for hotels that have difficulty securing coverage through the standard insurance market. All risk property coverage is available, including flood and earthquake in non-critical areas.

Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.


Builders risk

  • Zurich’s Builders Risk coverage offers protection for residential and commercial structures while under construction or renovation.
  • Zurich is one of the largest construction insurers in North America, with more than 30 years experience in writing Builders Risk.
  • We can insure residential and commercial construction projects of various sizes and value.
  • Get access to rate, quote and issue most Builders Risk policies online with no premium commitment.
  • A dedicated underwriting and service team offer specialized assistance.

2 guys looking at construction siteZurich is a leading insurer for the construction industry, and Construction Services is a strategic business unit specializing in insurance for small and mid-sized commercial and professional markets. Construction Services offers a variety of coverages through program administrators, including builders risk for residential and commercial projects and contractors equipment. These professionals specialize in the construction industry, understand the technical and operational aspects of a diverse array of construction projects, and can write projects of virtually any size and scope.

Learn more about Zurich's builders risk coverage.


Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.

Builders, contractors and owners:  To request Builders Risk or Contractors Equipment coverage, contact your independent agent or broker, visit Zurich InsuranceLink or call (800) 431-4836 (Mon-Fri, 7:30 AM - 7:30 PM EST)

California residential earthquake

The strict eligibility requirements imposed by insurance carriers for quality residential earthquake coverage in California can make it difficult for insurance agents to find appropriate coverage for their clients. 

The Arrowhead residential earthquake insurance program delivers insurance products with broader coverages, higher limits and lower deductibles. The rates are competitive depending on the location of the risk and age of the dwelling.

In California, Zurich insures newer structures or homes that have been retrofitted and built on flat or gently sloping lots with slab or raised concrete foundations. Coverage is available for single family dwellings or condominiums. Any age for dwellings is acceptable provided older homes have proof of retrofitting. Condos must be built 1960 or newer.

Coverage limits for this program are as follows:

  • Dwellings: $75,000 minimum to $5 million maximum (Except LA County; maximum is $3 million) dwelling replacement limit
  • Condominiums: $25,000 minimum to $500,000 maximum contents limit

Access to Zurich’s California residential earthquake insurance coverage is through Arrowhead, our program administrator for this program.


DIC – Difference in conditions


Zurich also offers earthquake/difference in conditions (DIC) coverage, specifically for commercial businesses.

The target market are medium to large commercial accounts that are constructed by steel, wood frame, reinforced concert or joisted masonry.

Coverage is written on primary or excess layers. Minimum total insured value is $10 million general liability, and $20 million habitational.

Licensed commercial insurance agents can gain access to Zurich’s earthquake coverage through Arrowhead, our program administrator for this program.


Commercial auto

Zurich’s commercial auto class provides coverage for not-for-hire motor vehicle operations. Our broad appetite includes truckers, contractors, retail delivery, courier services, armored cars, wholesale distribution and mobile businesses, such as food vendors and mobile medical.

  • Business Auto - Zurich’s business auto class offers auto liability, auto physical damage and motor truck cargo. 
  • Short haul - Zurich's short haul trucking insurance coverages include auto liability, auto physical damage, general liability and motor truck cargo.
  • Motor Truck Cargo - Zurich’s motor truck cargo programs offers a robust suite of products by offering multiple coverages that feature flexibility, competitive rates and dynamic coverage. 
  • Dump Trucks - Coverages offered through our dumping operations program include auto liability, auto physical damage and motor truck cargo.
  • Garbage Trucks - Zurich’s garbage haulers program coverages include auto liability and auto physical damage. 
  • Petroleum Haulers - Zurich’s petroleum program offers coverage to for-hire petroleum hauling operations. Coverages include auto liability, auto physical damage, general liability and motor truck cargo.
  • Non-trucking liability and physical damage - Zurich’s non-trucking liability and physical damage program provides coverages including non-trucking liability and auto physical damage.

For additional information on any of Zurich's commercial auto programs, please visit zprogramsmatch.com.

Contractor's equipment

wheelbarrowContractor’s Equipment coverage includes scheduled or blanket coverage. Our special coverage package automatically includes basic limits for additional debris removal expenses, expediting expenses, fire department service charges, inventory and appraisal, recharge of fire extinguishing equipment, and reward for recovery of stolen equipment.


Optional coverages include borrowed contractor's equipment, employee tools, unscheduled equipment, rental reimbursement, non-owned/rental equipment, spare parts and fuel, and pollution and clean up.



Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.

Builders, contractors: To request Builders Risk or Contractors Equipment coverage, contact your independent agent or broker or visit Zurich InsuranceLink Or call (800) 431-4836 (Mon-Fri, 7:30 AM - 7:30 PM EST)


E&S property

lightning stormZurich’s various E&S property programs provide coverage for both CAT exposed properties as well as traditional non-CAT business that has been declined by admitted markets for various reasons. Our program administrators can help fill the needs for these hard-to-place risks.

 

CAT driven business

Coverages include special form with multiple wind and hail options.

Non-CAT

Vacant properties, large property schedules/layered business, older properties, and business declined by admitted markets and placed in non-admitted E&S market.

Distributors: Contact Cindy Collins at cindy.collins@zurichna.com for more information. 

 

Education

giving presentationThrough its education programs, Zurich provides experienced underwriters who specialize exclusively in the education industry, as well as loss control and consultation services for its education customers.




Targeted classes include:

  • Public schools
  • Private schools
  • Charter schools
  • Vocation/technical trade schools
  • Business schools
  • Two-year colleges without dormitories

Coverages include:

  • Property
  • General liability
  • Automobile
  • Inland marine
  • Crime
  • Equipment breakdown
  • Workers' compensation
  • Educators' legal liability
  • Employers' practices liability
  • Umbrella
  • Environmental impairment liability 

Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.

Film production

filmWe can help bring your film project into focus.

Planning, shooting and producing any project is already a difficult enough proposition. Finding staff, renting equipment and scouting locations; it all takes time. The last problem you need is to worry about finding the right insurance protection.

Zurich is a leading insurer of short-term film productions and annual documentary, industrial, education and commercial films nationwide for television and film producers, student filmmakers, and production companies.


Coverages

  • General Liability
  • Workers’ Compensation
  • Inland Marine
  • Non-Owned/Hired Auto Liability

Eligible Production Types

  • Annual productions with budgets up to $10 million
  • Short-term film productions with budgets less than $1 million and duration up to 60 days
  • Short-term film productions with budgets up to $10 million and duration of up to one year

Benefits

  • Quick quotes
  • Nationwide coverage
  • Automated policy and certificate issuance
  • Dedicated claims support available 24/7

In addition, all Workers’ Compensation policies include access to quality health care through our Expert Provider Networks and valuable resources including Virtual Consultant (our customized risk management tool) and industry-leading injury management tools.

Zurich can find the right insurance solution so you focus on the shoot. 


Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.

Golf and country clubs

Golf and Country Clubs, Golf Courses, Golf Resorts and Golf Management Programs

golfGolf and Country Clubs

Zurich, an industry leader in providing specialty programs lines of coverage, offers coverage for private and semi-private golf and country clubs in 49 states and D.C. The specialty program offers all lines coverage including blanket building/personal property, enhanced golf and country club coverage extensions, general liability, commercial auto, pollution liability, workers' compensation, directors' and officers' liability and excess, and umbrella liability. We also offer best-in-class risk engineering services which are also available un-bundled.

Golf Resorts

Beyond local clubs, Zurich also provides coverage for golf resorts, golf management companies, and destination properties across 49 states. We offer all lines coverage including blanket building/personal property, enhanced golf and club coverage extensions, general liability, commercial auto, pollution liability, workers' compensation, directors' and officers' liability and excess and umbrella liability. 


Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.

Private and chartered schools

Private and chartered schools face unique risks that require specialized insurance. Through our program administrators, Zurich provides agents an insurance solution tailored specifically for private and chartered schools.

A broad range of coverages are available through this program, including:

  • Property
  • Inland marine
  • Equipment breakdown
  • General liability
  • Automobile,
  • Educator’s legal liability (including EPLI)
  • Fiduciary liability
  • Umbrella

Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.


Professional services

professional servicesZurich's professional services programs provide professional liability and E&O coverage for targeted professionals including:

  • Lawyers - Zurich’s lawyers program offers professional liability/errors and omissions coverage to part-time attorneys, moonlighting attorneys, solo practitioners, and law firms up to 100 attorneys.
  • Security Guards, Private Investigators and Alarm Installers - Program coverages include errors and omissions/general liability, umbrella including assault/battery, personal injury, employee dishonesty, and workers' compensation.

  • Day Spas, Salons and Tattoo Studios - Zurich’s program offers professional liability, general liability, abusive acts, property, auto liability and umbrella liability.

  • Staffing Industry Package- Zurich’s program offers errors & omissions, general liability, abusive acts, employment practices liability, employee benefits liability, auto liability, property, crime and umbrella coverages for agencies that provide temporary employee direct hire services. The coverages are also available for professional employer organizations, administrative services organizations and managed service providers.

  • Travel Agents and Tour Operators - Professional liability and general liability is offered for travel agents and tour operators through Zurich’s professional services programs.

  • Veterinarians - Zurich’s veterinarian program offers professional liability coverage for large and small animal practitioners, as well as equine practitioners.

Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.

Public livery

limoZurich makes it easy for you to insure vehicles, owned or for hire, that are engaged in passenger transportation. Common vehicle types for this coverage include limousines, vans, private passenger types, SUVs, trolleys and trams, just to name a few.   

Limousine

Zurich’s limousine operators coverage options include auto liability, auto physical damage, and general liability.


Non-Emergency Medical Transport

Non-emergency medical transport offers auto liability and auto physical damage coverages to non-emergency medical transport operators.


Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.

Senior living facilities (not-for-profit)

The number of senior living facilities in the U.S. is growing rapidly. Zurich has an insurance solution specifically designed for not-for-profit providers of senior care and services, including:

  • Continuing care retirement communities (CCRCs)
  • Assisted living and personal care operations
  • Home and community-based services for the elderly
  • Skilled nursing facilities (SNFs)
  • Independent living/senior housing operations

A broad range of coverages designed for the unique risks faced by these organizations are available nationwide through Zurich’s program administrators for this program. These include:

  • Property
  • Professional liability
  • General liability
  • Equipment breakdown
  • Inland marine
  • Crime
  • Business auto
  • Follow form excess

Licensed commercial insurance agents can access this program for their clients through the program administrator on ZProgramsMatch.com.

Specialty auto

specialty autoZurich’s Specialty Programs provide access to industry specialists to help you meet the multi-line needs of transportation customers requiring specialized underwriting, coverage forms, claims handling and risk engineering. Current programs include: 

Environmental Transport

Coverages offered through Zurich’s environmental transport program include auto liability, auto physical damage, cargo and general liability. 

Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.

Workers' compensation

workers compZurich’s workers' compensation experts provide workers' compensation coverage for specialty programs, industry solutions and general commercial business through line of business specialists.

 

Specialty Programs

Zurich's specialty programs provide access to specialists for insureds with USL&H exposure, Professional Employers Organizations (PEOs) and temporary labor services.

 

Industry Solutions Programs

Industry solutions programs provide access to industry specialists for customers requiring specialized underwriting and handling. Examples include insureds in the business of security and film production.

 

Line of Business Specialists

Line of business specialists provide access to workers' compensation solutions for customers in a wide range of industry sectors and premium sizes throughout the United States. 


Contact:

Licensed commercial insurance agents can access this program for their clients through ZProgramsMatch.com.


Knowledge Hub: Programs

 

Questions? We have answers.

Contact sales

Submit a program opportunity or speak with one of our regional sales representatives:

 

General Inquiries

For general inquiries regarding Zurich, please contact our Customer Inquiry Center
Zurich North America: 1-800-382-2150
 

Report Fraud

Zurich North America, like any insurance company, is vulnerable to improprieties involving not only insureds, but also company employees, agents and brokers, vendors and others doing business with us. It is important that improprieties be identified, reported and investigated.

If you would like to report an act of fraud, please complete our fraud reporting form.

Fraud reporting form


Read our Risk Insights newsletter

When you choose Zurich, you gain the experience of a national industry leader and programs specialist, with over 50 years writing programs business. 

Our programs appetite and portfolio continue to expand as we remain a strong and stable insurance carrier. And, we are constantly seeking to develop relationships with program administrators that possess expert knowledge of specific specialty markets as well as strong underwriting experience. 

Programs appetite and criteria

Our ability to write business for some of the industry’s most unique risks makes Zurich a leader in programs business. We have the capacity and human capital to write new programs that fit our underwriting and risk appetite. Share your program with Zurich today – your program can be reviewed and approved in as little as 60 days. 

Featured program

2 guys looking at construction site

Zurich offers builders risk insurance that is designed to cover damage to property under construction, materials used in the course of construction and delay in completion.

Learn more about builders risk