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Commercial real estate industry

Real estate owners and management companies occupy a unique role in the business environment – investing in and maintaining rental properties that provide other businesses the facilities they need to thrive. Commercial Real Estate Insurance can be a great solution, but management of business risks can make the difference between a mediocre property and a great one.

Why Zurich?

Zurich understands the property and liability risks faced by commercial real estate managers. We provide single-source insurance solutions backed by market-leading Risk Engineering services geared to the commercial real estate business, backed by the rapid claims response your business deserves.

15.2K fires each year
caused $660M in property damage at office properties.1

10% of annual revenue is lost
due to poor contract management, which could devastate a company earning only 10% profit margins.2

Over 1B connected IoT
(Internet of Things) devices projected in Real Estate environments by 20193

Commercial real estate insurance solutions

Commercial real estate owners and management companies need property management insurance products and services provided by an insurer with a long history serving the industry. We offer broad experience protecting a wide range of occupancies, including Class A & B offices; lifestyle centers; light industrial locations (business parks, offices); and malls and strip centers. Our real estate team delivers the knowledge, experience and commitment to help property owners and managers safeguard great investments.

  • Real Estate

Insurance coverages for commercial real estate

Traditional coverages:
Property, General Liability, Automotive Liability, Workers’ Compensation, Umbrella

Commercial real estate industry coverages:
Zurich offers a full suite of insurance products and services customized to the needs of commercial real estate businesses, including:

Environmental Liability
Covers crisis management reimbursement, green remediation related to a cleanup, and replacement of property to comply with green standards

Directors & Officers (D&O)
Provides Integrated Employment Practices Liability (EPL) and fiduciary liability for privately held companies, and Errors and Omissions coverage (E&O) insurance for publicly traded companies.

Errors & Omissions (E&O)
Provided through a customized real estate endorsement for property managers, property management companies, investment managers, real estate agents/brokers, title agents and home inspectors.

Cyber risk coverage
Available through the Zurich Cyber Insurance Policy, integrating a variety of cyber coverages under one, simplified policy


Tools and solutions for commercial real estate

Complimentary Risk Engineering learning tools and resources available to Zurich policyholders include digital self-service risk assessment applications, such as Zurich Risk Advisor©; monthly e-newsletters; slip, trip and fall (STF) prevention resources; water mitigation recommendations; hazard communication; hearing conservation; respiratory protection and silica control; safety calendars; business risk reviews; and risk-reduction seminars and webinars.

Fee-based services provided by a professional Risk Engineering expert:

  • Property risk assessment
  • Water intrusion evaluation
  • Ergonomic reviews
  • Office ergonomics
  • Fleet program reviews
  • Slip, trip and fall (STF) assessment
  • Safety Source video on demand (VOD) and Learning Management System (LMS)
  • Cyber risk assessment

Download the Risk Engineering Solution Suite for Commercial Real Estate


1.Fires in Non Residential Properties, March 2013. National Fire Protection Association.(NFPA).
2.Earl, Collin. “Five Risks Exposed by Ineffective Contract Management.” Information Age. 7 February 2019,
3.Vaugh, Alan. “A/C, Plumbing and ... Data? Using the IoT in Commercial Real Estate.” Aprio. Accessed 14 January 2020.