Zurich Envoy Express

Zurich Envoy® Express

For your convenience, eligible Select Brokers® can now access International pricing indications and request formal quotes on-demand.

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Zurich Envoy® Express

About Zurich Envoy® Express

Zurich Envoy® Express is an on-demand tool that enables brokers to quickly and easily:

  • Build an International insurance program with local policies in over 30 countries.
  • Download a nonbinding price indication with a client-ready program summary.
  • Request an expedited, formal quote.

Five simple steps for qualified accounts

  1. Begin building your client's solution with General Liability and Voluntary International Employee Compensation coverages.
  2. Add optional coverages such as Property, Excess Auto and Business Travel Accident.
  3. Enter information about your client's risk profile.
  4. Download your client's non-binding pricing indication and exposure summary. 
  5. Finalize your quote request by submitting additional account information.

To learn more about the commission you may receive on a bound U.S. Master policy, contact your local International underwriter.

  • Eligibility and required information

    Eligible risk profiles

    Eligibility is driven by multiple factors. Depending on the requested insurance coverage, you may be able to obtain a non-binding price indication and request quotes for clients with the following risk profiles:

    • Below USD 1 million TIV per property
    • Foreign payroll up to USD 10M
    • Foreign sales/revenue of less than USD 25M
    • Up to five foreign premises
    • Up to 250 annual international trips to select low/moderate hazard countries

    Information you may need

    • Industry and primary SIC Code
    • Legal entities and operations
    • Properties and associated values
    • Payroll and frequency of employee travel
    • Local insurance certificates
    • Local claims handling
    • Hired/non-owned/rented autos
    • Export sales figures
    • Years in business
    • Three years of loss history
  • Qualified industries

    Manufacturing

    27: Printing, publishing and allied industries

    • 2791 TYPESETTING


    34: Fabricated metal products, except machinery and transportation equipment

    • 3421 CUTLERY
    • 3429 HARDWARE, NEC
    • 3444 SHEET METALWORK
    • 3451 SCREW MACHINE PRODUCTS
    • 3452 BOLTS, NUTS, RIVETS AND WASHERS
    • 3465 AUTOMOTIVE STAMPINGS
    • 3493 STEEL SPRINGS, EXCEPT WIRE
    • 3495 WIRE SPRINGS
    • 3499 FABRICATED METAL PRODUCTS, NEC

     

    35: Industrial and commercial machinery and computer equipment

    • 3543 INDUSTRIAL PATTERNS
    • 3544 SPECIAL DIES, TOOLS, JIGS AND FIXTURES
    • 3545 MACHINE TOOL ACCESSORIES
    • 3562 BALL AND ROLLER BEARINGS
    • 3566 SPEED CHANGERS, DRIVES AND GEARS
    • 3571 ELECTRONIC COMPUTERS
    • 3572 COMPUTER STORAGE DEVICES
    • 3575 COMPUTER TERMINALS
    • 3577 COMPUTER PERIPHERAL EQUIPMENT, NEC
    • 3578 CALCULATING AND ACCOUNTING EQUIPMENT
    • 3579 OFFICE MACHINES, NEC
    • 3581 AUTOMATIC VENDING MACHINES
    • 3592 CARBURETORS, PISTONS, RINGS, VALVES
    • 3596 SCALES AND BALANCES, EXCEPT LABORATORY


    36: Electronic and other electrical equipment and components, except computer equipment

    • 3679 ELECTRONIC COMPONENTS, NEC
    • 3694 ENGINE ELECTRICAL EQUIPMENT
    • 3695 MAGNETIC AND OPTICAL RECORDING MEDIA

     

    38: Measuring, analyzing, and controlling instruments; photographic, medical and optical goods; watches and clocks

    • 3822 ENVIRONMENTAL CONTROLS
    • 3823 PROCESS CONTROL INSTRUMENTS
    • 3824 FLUID METERS AND COUNTING DEVICES
    • 3825 INSTRUMENTS TO MEASURE ELECTRICITY
    • 3826 ANALYTICAL INSTRUMENTS
    • 3827 OPTICAL INSTRUMENTS AND LENSES
    • 3829 MEASURING AND CONTROLLING DEVICES, NEC
    • 3861 PHOTOGRAPHIC EQUIPMENT AND SUPPLIES
    • 3873 WATCHES, CLOCKS, WATCHCASES AND PARTS

     

    39: Miscellaneous manufacturing industries

    • 3915 JEWELERS' MATERIALS AND LAPIDARY WORK
    • 3961 COSTUME JEWELRY

     

    Transportation and communications services

    47: Transportation services

    • 4724 TRAVEL AGENCIES

    48: Communications

    • 4832 RADIO BROADCASTING STATIONS
    • 4833 TELEVISION BROADCASTING STATIONS
    • 4841 CABLE AND OTHER PAY TV SERVICES

     

     

    Wholesale trade

    50: Wholesale trade - durable goods

    • 5045 COMPUTERS, PERIPHERALS AND SOFTWARE
    • 5063 ELECTRICAL APPARATUS AND EQUIPMENT
    • 5064 ELECTRICAL APPLIANCES, TV AND RADIOS
    • 5065 ELECTRONIC PARTS AND EQUIPMENT
    • 5072 HARDWARE

     

    Finance, insurance and real estate

    60: Depository institutions

    • 6011 FEDERAL RESERVE BANKS
    • 6019 CENTRAL RESERVE DEPOSITORY, NEC
    • 6021 NATIONAL COMMERCIAL BANKS
    • 6022 STATE BANKS, FEDERAL RESERVE
    • 6029 COMMERCIAL BANKS, NEC
    • 6035 FEDERAL SAVINGS INSTITUTIONS
    • 6036 SAVINGS INSTITUTIONS, EXCEPT FEDERAL
    • 6061 FEDERAL CREDIT UNIONS
    • 6062 STATE CREDIT UNIONS
    • 6081   FOREIGN BANK AND BRANCHES AND AGENCIES
    • 6082 FOREIGN TRADE AND INTERNATIONAL BANKS
    • 6091 NONDEPOSIT TRUST FACILITIES
    • 6099 FUNCTIONS RELATED TO DEPOSITORY BANKING

     

    61: Non-depository institutions

    • 6111 FEDERAL AND FEDERALLY SPONSORED CREDIT
    • 6141 PERSONAL CREDIT INSTITUTIONS
    • 6153 SHORT-TERM BUSINESS CREDIT
    • 6159 MISC. BUSINESS CREDIT INSTITUTIONS
    • 6162 MORTGAGE BANKERS AND CORRESPONDENTS
    • 6163 LOAN BROKERS

     

    62:  Security and commodity brokers, dealers, exchanges and services

    • 6211 SECURITY BROKERS AND DEALERS
    • 6221 COMMODITY CONTRACTS BROKERS, DEALERS
    • 6231 SECURITY AND COMMODITY EXCHANGES
    • 6282 INVESTMENT ADVICE
    • 6289 SECURITY AND COMMODITY SERVICES, NEC

     

    63: Insurance carriers

    • 6311 LIFE INSURANCE
    • 6321 ACCIDENT AND HEALTH INSURANCE
    • 6324 HOSPITAL AND MEDICAL SERVICE PLANS
    • 6331 FIRE, MARINE AND CASUALTY INSURANCE
    • 6351 SURETY INSURANCE
    • 6361 TITLE INSURANCE
    • 6371 PENSION, HEALTH AND WELFARE FUNDS
    • 6399 INSURANCE CARRIERS, NEC

     

    64: Insurance agents brokers and service

    • 6411 INSURANCE AGENTS, BROKERS AND SERVICE

     

    67: Holding and other investment offices

    • 6712 BANK HOLDING COMPANIES
    • 6719 HOLDING COMPANIES, NEC
    • 6722 MANAGEMENT INVESTMENT, OPEN-END
    • 6726 INVESTMENT OFFICES, NEC
    • 6732 EDUCATIONAL, RELIGIOUS, ETC. TRUSTS
    • 6733 TRUSTS, NEC
    • 6798 REAL ESTATE INVESTMENT TRUSTS
    • 6799 INVESTORS, NEC

    Services

    72: Personal services

    • 7291 TAX RETURN PREPARATION SERVICES

    73: Business services

    • 7311 ADVERTISING AGENCIES
    • 7313 RADIO, TV, PUBLISHER REPRESENTATIVES   
    • 7319 ADVERTISING, NEC
    • 7322 ADJUSTMENT AND COLLECTION SERVICES
    • 7331 DIRECT MAIL ADVERTISING SERVICES
    • 7334 PHOTOCOPYING AND DUPLICATING SERVICES
    • 7335 COMMERCIAL PHOTOGRAPHY   
    • 7336 COMMERCIAL ART AND GRAPHIC DESIGN
    • 7338 SECRETARIAL AND COURT REPORTING         
    • 7371 COMPUTER PROGRAMMING SERVICES         
    • 7372 PREPACKAGED SOFTWARE
    • 7373 COMPUTER-INTEGRATED SYSTEMS DESIGN      
    • 7374 DATA PROCESSING AND PREPARATION
    • 7375 INFORMATION RETRIEVAL SERVICES
    • 7376 COMPUTER FACILITIES MANAGEMENT
    • 7377 COMPUTER RENTAL AND LEASING   
    • 7378 COMPUTER MAINTENANCE AND REPAIR      
    • 7379 COMPUTER RELATED SERVICES, NEC
    • 7384 PHOTOFINISHING LABORATORIES
    • 7389 BUSINESS SERVICES, NEC   

     

    76: Miscellaneous repair services

    78: Motion picture

    79: Amusement and recreation services

    81: Legal services

    • 8111 LEGAL SERVICES

    86: Membership organizations

    87: Engineering, accounting, research, management, and related services

    • 8721 ACCOUNTING, AUDITING AND BOOKKEEPING
    • 8731 COMMERCIAL PHYSICAL RESEARCH
    • 8733 NONCOMMERCIAL RESEARCH ORGANIZATIONS
    • 8741 MANAGEMENT SERVICES
    • 8743 PUBLIC RELATIONS SERVICES
    • 8744 FACILITIES SUPPORT SERVICES
    • 8748 BUSINESS CONSULTING, NEC
    • 7371 COMPUTER PROGRAMMING SERVICES
    • 7373 COMPUTER-INTEGRATED SYSTEMS DESIGN
    • 7379 COMPUTER-RELATED SERVICES, NEC
    • 8732 COMMERCIAL NONPHYSICAL RESEARCH
    • 8742 MANAGEMENT CONSULTING SERVICES
    • 8611 BUSINESS ASSOCIATIONS
    • 8621 PROFESSIONAL ORGANIZATIONS
  • Countries and local policies
    Most countries are eligible for the Zurich Envoy Express tool. However, local insurance policies may only be available for the following countries and territories:
    • Austria
    • Belgium
    • Bulgaria
    • Canada
    • Croatia
    • Czech Republic
    • Denmark
    • Estonia
    • Finland
    • France
    • Germany
    • Greece
    • Hong Kong
    • Hungary
    • Iceland
    • Ireland
    • Italy
    • Latvia
    • Liechtenstein
    • Lithuania
    • Luxembourg
    • Malta
    • Mexico
    • Netherlands
    • Norway
    • Poland
    • Republic of Cyprus
    • Singapore
    • Slovakia
    • Slovenia
    • Spain
    • Sweden
    • United Kingdom
  • Terminology and definitions

    Three core pieces of an International Program:

    I. U.S. Master Policy:

    The U.S. Master Policy provides Difference in Conditions/Difference in Limits (DIC/DIL) coverage in countries where insurance for DIC/DIL is allowed on a non-admitted basis.

    The U.S. Master Policy provides ground-up coverage in countries where insurance for ground-up coverage is allowed on a non-admitted basis. 

    The U.S. Master Policy provides the first Named Insured with Financial Interest Coverage (FInC) in the U.S. for Prohibited Jurisdictions, i.e., countries of risk where DIC/DIL and/or ground-up coverage on a non-admitted basis is not permitted.

    II. Freedom of Services (FoS) Master Policy:

    Most European Economic Area (EEA) countries do not allow non-admitted or DIC/DIL coverage to be written by an out-of-territory insurer. To address this, the U.S. Master Policy wording has been localized and is our Good Local Standard FoS wording. The FoS Policy is issued by Zurich Insurance plc, UK Branch, and will cover your risk in the EEA either on a ground-up or DIC/DIL basis over locally issued policies within certain EEA countries.

    III. Local Policies:

    Coverage provided by any local policies issued as part of this program will contemplate Zurich Good Local Standard wording subject to any extensions or exclusions. Request for local coverage extensions granting coverage that is greater than Zurich’s Good Local Standard will be negotiated and priced separately.


    Additional definitions:

    Non-Admitted Insurance:

    A policy issued in one country that covers exposures in other countries where the Company has not filed for admitted insurer status with the Insurance Regulator of the country where the risk is located to provide insurance coverage.

    Restrictions on Insurance Activities: While certain jurisdictions may not prohibit covering a risk on a non-admitted basis, there may be additional restrictions as to what Insurance Activities may be conducted in a jurisdiction. Zurich is committed to ensure that the International Program is serviced in alignment with these limitations. Such restrictions include, but may not be limited to, Risk Engineering Activities, Premium Invoicing, Premium Reimbursement, Loss-Adjustment Activities, Claims Payments and Passing on of Claims Payments.

    Differences in Conditions/Difference In Limits (DIC/DIL):

    DIC: Difference in Conditions is a provision under the Master Policy which covers the difference in definitions, perils, conditions or coverage between the Local Policy and the Master Policy. The conditions of the Master Policy are generally broader than those of a Local Policy.

    DIL: Difference in Limits is a provision under the Master Policy which covers the difference between the respective limit of liability stated in the Local Policy and the Master Policy. The Master Policy provides for additional limits of liability when the limits of liability under the Local Policy are exhausted.

    Financial Interest Coverage (FInC):

    Based upon our standard of providing insurance that meets the legal and regulatory requirements of insurer licensing, we do not provide either DIC/DIL or non-admitted insurance in Prohibited Jurisdictions. A Prohibited Jurisdiction means any country or political subdivision, outside of the United States of America, its territories and possessions, in which the insurance laws and regulations in that country or political subdivision prohibit the Company from Insuring risks under either non-admitted or DIC/DIL insurance.

    To help avoid potential gaps in coverage across your International Program for risks located in Prohibited Jurisdictions, we have developed Financial Interest Coverage (FInC). This coverage provides that the Company will pay for the first Named Insured’s financial loss resulting from a loss in a Prohibited Jurisdiction. The loss must be sustained by a qualified entity. A qualified entity may be one that is registered, domiciled or has ongoing operations in one or more Prohibited Jurisdictions. Additionally, the qualified entity is an entity that would have qualified as an insured under the U.S. Master Policy except for the fact that the qualified entity is registered, domiciled or has ongoing operations in one or more Prohibited Jurisdictions. In such an event, FInC is provided to the first Named Insured as respects its insurable interest in such qualified entity and only to the extent the loss is not otherwise insured.

    Under FInC, we shall have no duty to investigate or settle claims or pay those sums that a qualified entity becomes legally obligated to pay. Additionally, we do not have the duty to defend a qualified entity against suits seeking a claim for damages. The most the Company will pay under FInC is the amount that would have been payable under the U.S. Master Policy if local law allowed coverage or payment for loss under non-admitted or DIC/DIL insurance. 

    Notwithstanding the coverage for FInC under the U.S. Master Policy, it is understood and agreed that any qualified entity registered, domiciled or with ongoing operations in one or more Prohibited Jurisdictions is not party to or a beneficiary under the U.S. Master Policy and has no rights under the U.S. Master Policy.