Just the coverage you want: no more, no less.

No two organizations have the exact same environmental risks. So no two companies will need the exact same environmental solutions and products.

Zurich understands that for some companies, environmental insurance may appear unnecessary if they carry general liability.  Or they believe this type of coverage is too costly.  We’ve listened to these concerns, and have designed two innovative and flexible products.

“I really don’t think I have any environmental exposures. And if I have one, I’m sure my general liability policy will cover it.”

This is common thinking among companies in seemingly low-exposure business such as agribusiness, technology and professional services. These companies consider their general liability policy a good fallback. This can be a dangerous assumption, as there are an increasing number of environmental exclusions on general liability policies, which can leave corporations with inadequate or no coverage.

To solve environmental coverage gaps, Zurich offers environmental liability coverage linked to a general liability policy. Best of all, Zurich’s Z Link® allows you to select only the coverages you need, such as cleanup costs, property damage, bodily injury, or natural resource damages, transportation and disposal liability.

“I can’t keep up trying to protect my company from all the changes in environmental laws and litigation. It just gets too expensive.”

Your business model will evolve as customers require different services and products. The environmental risk landscape is ever-changing as well. So your environmental insurance needs will likely require adjustment along the way.

There’s no reason to lock yourself into an expensive environmental policy where you are paying for coverage you don’t need, while forgoing other more critical ones.

With Zurich’s Z Choice®, you can pick the exact coverages you need—and pay for only those coverages. This makes Z Choice a great solution for developers, waste treatment plants, manufacturing, schools, healthcare, utilities—any fixed facility where exposures will vary.

Need more specialized coverage? Discover Zurich’s innovative products for lenders, contractors, storage tank owners or operators, and environmental consultants.