Commercial Umbrella Liability

Zurich Integrated Products provides commercial umbrella liability insurance with flexibility and financial strength.  Our combined follow form excess and umbrella coverage eliminates potential coverage gaps and affords strong, reliable protection for catastrophic liability risks. 

Major Highlights

• Follows form with underlying coverage -- claims made, occurrence or other
• Umbrella responds on an occurrence basis with no retention (in most states)
• Defense costs covered outside umbrella limits, even if underlying defense coverage pays within limits
• Virtual Consulting tools help insureds manage and mitigate diverse liability risks
• Industry-specific risk management resources support best practice implementation
• Experienced claim and litigation management services
• Available limits up to $10 million

ZIP Appetite

Commercial Umbrella Liability insurance is underwritten for companies in a broad range of industries with $5 million to $25 million in revenue.  ZIP is particularly competitive for established businesses with low to moderate severity exposures, such as commercial equipment manufacturers, durable goods wholesalers, clothing retailers and business services providers.  We also target:

• Manufacturing
• Artisan Contractors
• Wholesale
• Real Estate
• Retail
• Personal and Business Services
   

ZIP is not currently a market for hazardous or high severity products exposures.