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Global insurance for Multinational Business Exposures

international

What is global insurance for a multinational business?

Global insurance can help protect a company with the coverage consistency, claims services and regulatory alignment you need when your business takes you beyond your national borders.

Companies of all sizes and complexity are being impacted by international exposures – not just traditional global corporations. Employees travelling outside of the U.S. for business, importing or exporting goods, or working with suppliers domiciled outside of the U.S. are just a few scenarios that can create international risks for your company. And, each country can have its own laws and regulations you need to account for. A holistic approach to your global exposures can help identify and mitigate your risks.

Why Zurich?

The world is more accessible than ever before and U.S. companies in foreign territories may face complex and even unforeseen risks. Insurance regulations and coverage requirements may vary significantly from one nation to the next, sometimes changing with little warning. Moving premiums and claims funds from one country to another can be equally difficult and confusing. All of this can make implementing a uniform, compliant risk management program a real challenge.

As one of a few truly global insurers (serving customers in 215 countries and territories), Zurich offers the knowledge, experienced and dedicated international underwriters, and the wide-reaching network needed to provide multinational businesses with insurance and risk management programs fully aligned across the countries where you may have exposures. We have underwritten international programs for more than four decades, providing Property, Casualty, Risk Engineering and Claims services around the globe.

 

 

2,200
Zurich professionals certified to manage international programs


215
countries and territories served through Zurich’s global network


9,600
Claims professionals in 32 countries


  • Large multinationals
  • Middle-market multinationals

Global Insurance Solutions

Complex global businesses often require creative, flexible solutions to address their risks. Zurich has invested in a global network and international specialists for over forty years. Today, we continue to invest in people, our network, thought leadership and technology to deliver international insurance program solutions that meet the risk challenges of multinational businesses across the globe.

Download our Global Insurance fact sheet

Download our Freedom of Services fact sheet for your European business


Property Insurance

Our single-policy approach is supported by a network delivering locally written policies and services in over 215 countries and territories. It combines flexibility, broad product choice and superior global servicing.

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International Casualty Insurance

Both bundled and unbundled casualty solutions are designed to address total cost of risk on a global basis through a single master policy supported by locally issued policies.

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Energy Insurance

A team of Zurich Energy professionals is experienced in the underwriting and servicing of oil and gas, petrochemicals, natural resources, power generation and other energy industries around the world.

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Marine Insurance

A wide range of products and services is available to help customers protect cargo and hull exposures, as well as international trade, marine construction, terminal operations and other marine-related businesses.

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Captive Services

Leveraging more than 25 years in the delivery of Captive Services, Zurich specialists apply global knowledge to help develop a variety of fronting and alternative risk management solutions – from single-parent captives to sponsored-cell captives, group captives and more.

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World-class Risk Engineering services

More than 800 experienced Zurich Risk Engineers in 40 countries are highly skilled in the identification, assessment and mitigation of risks facing your business. Our team members have specialized experience in the industry segments they serve because they have been recruited from those industries. And they are supported by leading-edge risk management tools and resources that provide critical guidance, reporting, benchmarking and other real-time insights.

Innovative tools delivering transparency and insights

Zurich’s convenient digital tools, many of which are accessible on mobile devices, provide a clear view of your global risk position.

My Zurich

A proprietary, customer portal that gives risk managers a single, comprehensive, online risk management information center for analysis and monitoring of program performance. My Zurich provides an up-to-the-minute, 360-degree view of everything from Risk Engineering site visit results to claims status.

Zurich MIA

A frequently updated online tool revealing local country insurance regulations and foreign-insurer premium tax laws – information that assures greater program alignment with foreign insurance requirements.

IPS (International Program System)

Zurich’s single global service platform connects our entire network to allow prompt and informed service when and where you need it.

Customer service report

A comprehensive summary of key data and performance metrics arms you with the information you need for your C-suite discussions.

Zurich Risk Room

A highly intuitive risk assessment tool that empowers risk managers to compare a variety of interconnected risks around the globe and to create and analyze risk scenarios that can help them make better strategic decisions.

Zurich Risk Advisor

A powerful yet user-friendly tool allowing customers to assess their own risks and optimize improvements that can help reduce total cost of risk.

Zurich Onsite

A special Zurich Risk Engineering tool that helps our professionals provide customers with insights and the potential to implement immediate risk improvements during regular site visits.

Global Insurance Solutions

As your business grows and expands, your ambitions and opportunities broaden. Zurich can provide a solution that is right for your company – from pre-packaged solutions that cover many of the most common exposures to a master policy program for the more nuanced and complex business operations.

Download our international exposures fact sheet

See why Zurich is the right choice

Learn about solutions for exporters


Zurich Envoy®

A packaged solution suited to domestic companies moving into the global arena; a single master policy modeled after your U.S. forms that offers over 30 coverage solutions to help meet your global needs.

Property

From a market leader in property coverage, Zurich Edge® offers flexible solutions and continuity to companies with exposures in more than one country. It can be used as the master policy governing local policies under a centrally managed international program.

Workers’ Compensation

Global Workers' Compensation exposure is one of the most challenging risks to manage. It's heavily regulated, varies by locale and can greatly impact a company's operations, productivity and profitability. Zurich coverage can help get your employees back on the job as quickly and safely as possible.

General Liability

The potential for accidents knows no borders. Zurich provides a broad range of bundled and unbundled casualty solutions to cover you reliably, both domestically and globally, and reduce your overall cost of risk.

Auto

Zurich’s vehicle protection products can help ease the burden of owning or leasing a vehicle overseas. Commercial customers can place a local primary Auto policy in virtually any country by coordinating with Zurich.

Business Travel

Zurich Travel Assist® offers Business Travel Accident coverage for your employees traveling overseas for business or short-term assignment. Zurich Travel Assist provides insurance for medical evacuation, repatriation, security evacuation and more.

Download the Zurich Travel Assist® card

Services and tools

Advantages of a Zurich International Program

Control: Our centralized insurance program offers a fuller view of risks, allowing more consistency and transparency.

Coverage: We work to protect your business by mitigating cross-border risks, while avoiding redundancies between domestic and international insurance.

Compliance: We use our experience and global reach to align your policy, claims reporting and payments with local legal, regulatory and tax requirements.

Convenience: We can scale and adjust quickly as your company grows to meet the evolving demands on conducting business in other countries.

World-class Risk Engineering Services

Zurich’s more than 800 experienced Risk Engineers in 40 countries are highly skilled in the identification, assessment and mitigation of risks facing your business. Our team members possess specialized experience in the industry segments they serve because they have been recruited from those industries. And they are supported by leading-edge risk management tools and resources that provide critical guidance, reporting, benchmarking and other real-time insights.

Innovative tools delivering transparency and insights

Zurich’s convenient digital tools, many of which are accessible on mobile devices, provide a clear view of your global risk position.

Zurich MIA

A frequently updated online tool revealing local country insurance regulations and foreign-insurer premium tax laws, information that assures greater program alignment with foreign insurance requirements.

IPS (International Program System)

Zurich’s single global service platform connects our entire network to allow prompt and informed service when and where you need it.

Zurich Risk Advisor

A powerful yet user-friendly tool allowing customers to assess their own risks and optimize improvements that can help reduce total cost of risk.

Zurich Onsite

A special Zurich Risk Engineering tool that helps our professionals provide customers with insights and the potential to implement immediate risk improvements during regular site visits.