Insurance for mid-sized companies
Meet tomorrow prepared
Middle market businesses are evolving fast. Zurich helps you prepare for what’s next with industry‑led insight, scalable protection, and proactive risk engineering.
As operations grow more complex and risks continue to evolve, businesses need more than insurance—they need an insurer who understands where they’re headed. Zurich brings deep industry expertise, disciplined underwriting, and prevention‑focused services to help Middle Market companies understand their risk exposures so they can move forward with confidence.
Why Zurich, why now?
Our middle market approach is purpose‑built. We know middle market companies are a powerful engine of growth—adding new locations, expanding supply chains, adopting new technologies, and entering new markets. And with this momentum comes increased risk complexity and the need for protection that evolves alongside the business.
How we approach the market
- Dedicated U.S. Middle Market business focused on midsize companies
- Industry‑focused underwriting and risk expertise aligned to how your business operates
- Coverages that can scale as your exposures grow for Property and Casualty, Specialty lines (like cyber and D&O), and international coverage
- Ongoing investment in underwriting and risk engineering capabilities
We’ve made intentional investments to build on our foundation, reinforcing how we support middle market businesses and the brokers who serve them. The result is a more responsive, more relevant Zurich—designed to meet middle market businesses where they are today and where they are headed tomorrow. See the story behind our middle market focus.
You’re more than an SIC code
We know industries and businesses carry unique risks. Our approach to risk management is holistic and forward‑looking—helping identify exposures before they become events, planning for disruption to help minimize impact, and applying solutions designed to help businesses recover and get back up and running more quickly. By combining industry insight, underwriting expertise, and risk engineering services, Zurich brings a more complete view of risk across your organization.
Companies that like to work with Zurich tend to have many of the following attributes:
- Commitment to risk improvement and loss prevention
- Openness to risk engineering insights and engagement
- Strong management cultures
- Desire to simplify program structure with multi‑line placement or a tailored program with one carrier
- Need for a loss-sensitive program structure / alternative risk solution
- Desire to build a multi-year relationship to help provide more predictability
Industry knowledge that runs deep
Zurich’s industry vertical approach helps us understand a business’s unique and shared exposures within its industry—so we can deliver coverage and risk engineering solutions tailored to those exposures.
Coverage designed to scale with your business
Growing businesses need insurance solutions that evolve as risks change. Zurich offers a broad portfolio of Middle Market coverages—structured with flexibility and supported by disciplined underwriting.
Protect buildings, equipment and business income with property coverage designed to respond to today’s evolving risks. Zurich offers two flexible property forms built to support the varying complexity of middle market operations and risk exposures.
- Property Portfolio Protection (PPP): Comprehensive, customizable coverage with streamlined language and core protections built for the evolving middle market.
- Edge II: A flexible property form offering clear options, broad coverage enhancements and control over key coverage decisions. This form can also serve as the master policy on a global program.
Coverages designed to address a broad range of third‑party liability exposures for middle market companies. Zurich’s General Liability offering combines core protection with industry‑specific endorsements built to address the unique risks of your operations.
Zurich Summit Package
The Zurich Summit Package combines our Zurich Property Portfolio Protection and General Liability Insurance coverages to help maximize efficiency, simplify forms and make doing business just a little bit easier.
Zurich Workers’ Compensation offers industry‑informed underwriting, proactive risk services, and a focus on timely, compassionate claims handling—so businesses can keep people safe, return employees to work sooner and stay focused on running their operations.
Auto
Commercial auto coverage to protect against third-party liability and property damage
Risk engineering focused on prevention and resilience
Zurich Risk Engineering services help Middle Market businesses anticipate risk, reduce disruption, and strengthen operational resilience to help prevent, respond and rebuild from an event. Our engineers bring on site and digital experience, data driven insight, and industry knowledge to support safer operations and more predictable outcomes.
Selected Risk Engineering offerings
- Property risk assessments
- Natural hazard risk assessment
- Workplace health and safety protocols
- Disruptive event response and workplace violence training
- Fleet and transportation risk insights
- Supply chain, business continuity and resilience planning
- SpearTip cyber services, including advisory support, security operations center capabilities, and rapid incident response