Commercial Property Insurance
Helping protect business assets
Why choose Zurich for Commercial Property Insurance?
Zurich takes a holistic approach to commercial building insurance because the better you know your risk exposures and plan for them, the better you can help minimize the impact of an event and disruption to your business. We’ve developed approaches based on over a century of experience in North America and around the globe that can provide flexible risk transfer options and services that help cover you before, during and after an event.
Whether your property lies solely within the U.S., or you have international operations, we can support your traditional risk transfer needs with flexible, broad Commercial Property Insurance forms that are customizable for the needs of your industry and business. We are also an industry leader in fronting, reinsurance, and related services for clients with captive insurers.
But what if you could go beyond risk transfer to prevent or reduce damage and minimize the impact of an event on your business? Zurich can help you do this through Risk Engineering and Claims services that help you build resilience whether you are self-insured, manage your risks through a captive or utilize a more traditional approach to risk transfer. And with Zurich, our global footprint can provide you access to these services around the globe, providing a consistent level of service no matter where you conduct business.
Countries and territories in Zurich’s global network – one of the largest in the commercial property insurance industry
Claims professionals to help you address a claim no matter where it occurs
Global Risk Engineering professionals
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Risk Engineering Services
Insurance solutions for Commercial Property
Flip card to reveal more information!Commercial Property Coverage
As an established presence in the global property insurance marketplace, Zurich underwrites and services a broad range of customers, from midsized to large corporate and multinational organizations. Through a global network of Risk Engineers on our Zurich Resilience Solutions Team and Claims professionals, we help customers manage their property risks around the world through insurance, education, and mitigation services.
Flip card to reveal more information!Zurich International Property Damage and Business Interruption Policy
When your company has multinational exposures, a Zurich International Property Damage and Business Interruption Policy helps protect your property in a consistent manner around the globe. Coverage is written to align with Zurich’s worldwide standard wording for international property damage and business interruption coverage.
Flip card to reveal more information!Zurich Property Portfolio Protection Form
Built with middle market customers in mind, this modular form simplifies the insurance-buying process by providing insurance protection for the coverage you need to operate in today’s increasingly competitive markets and offering flexibility with customizable features. The streamlined form and policy enhancements utilize industry standard language and were developed based on feedback from both customers and brokers. Looking for a packaged policy? Talk to your underwriter about the Zurich Summit Package and get the advantages of Zurich’s Property Portfolio Protection (PPP) form combined with our General Liability coverage.
Flip card to reveal more information!Zurich Edge II Form
For customers with larger and more complex risks, our “all-risk” Property form is built to be broadly customizable and set the benchmark for Commercial Property Insurance needs. Built with both domestic and multinational clients in mind, Zurich Edge II helps provide greater alignment with applicable insurance regulations in all jurisdictions where we provide insurance.
When implemented as the commercial property component of an multinational program, the Zurich Edge II policy is the commercial property global master policy supported by Zurich Prime, providing coverage for non-U.S. risk exposures.
Zurich Prime is Zurich Insurance Group’s standard global property policy issued to countries outside of North America as part of a multinational program. Edge II is the U.S master policy and Prime would be the local property policies issued in the local countries for the multinational program.
Written in easy-to-understand language and simplified formatting, Zurich Edge II helps provide the contract certainty and broad, flexible coverage our customers have come to expect from Zurich.
Zurich Edge II fact sheet
Flip card to reveal more information!Excess and Surplus
Zurich’s Wholesale Property team works with wholesale distributors to deliver creative underwriting solutions for difficult-to-place commercial property risks. Our experienced professionals will leverage strategic Excess and Surplus (E&S) capacity designed to help brokers provide insurance solutions for challenging risks.
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Flip card to reveal more information!Property Programs
Zurich’s Property programs provide coverage for hard-to-place risks, including vacant properties, investor properties, historic properties, industrial property, city multi-family, manufactured housing communities and more.
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Flip card to reveal more information!Marine
Zurich provides Marine Insurance underwriting services for commercial properties on the move at sea, on land or in the air. For customers involved in water transportation and marine operations, we offer comprehensive coverage options such as Hull Insurance and Marine Liability coverage, as well as Ocean Cargo Insurance for property in transit. We also provide Inland Marine coverages insuring a broad range of risk exposures, including contractors’ equipment to warehouse liability.
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Flip card to reveal more information!Energy
Zurich Energy Property specializes in comprehensive energy risk solutions, Risk Engineering and Claims support. Our products are customized to meet the needs of customers involved with oil and gas processing; chemical production; mining; refining; power generation and utilities; onshore and offshore exploration and production; and alternative energy and renewables.
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Other insurance solutions
Flip card to reveal more information!Construction
As one of the leading insurance providers serving the construction industry, Zurich provides creative and differentiated solutions for construction firms designed to help reduce losses and protect workers. Specialized solutions are available for annual practice policies, projects, and wrap-ups.
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Flip card to reveal more information!Large CasualtyZurich provides large and multinational customers access to one of the broadest portfolios of products and services in the business. Along with General Liability, Workers’ Compensation, Commercial Automobile, Excess Liability and other Casualty Insurance solutions, we help deliver the claims features, flexibility and savings you need.
Flip card to reveal more information!Management LiabilityZurich’s Management Liability Insurance offers tailored protection for companies and their leaders—directors, officers, and managers—against legal and regulatory risks. Backed by Zurich’s global strength and experienced team, we provide flexible solutions that adapt as your business grows.
Proactive Risk Mitigation in Action
Working with Zurich means taking proactive steps to safeguard your assets. Our Risk Engineering services focus on collaborative evaluation and practical risk guidance. We help you move from understanding potential threats to evaluating practical mitigation options. For instance, in the face of increasing climate-related events, our specialists can conduct detailed site analyses to identify vulnerabilities to wind, flood or wildfires. This goes beyond a simple checklist. We use modeling tools and on-the-ground evaluations to provide actionable recommendations, whether it's reinforcing structures, improving drainage systems or developing a business continuity plan that accounts for specific weather-related scenarios.
This structured advisory approach is designed to help reduce potential for claims and minimize disruption. By identifying and addressing risks before a loss occurs, you can strengthen operational resilience and support long-term operational planning. This approach supports disciplined protection of your assets and operations.
Tailored Protection for Complex Industries
Every industry faces distinct property challenges, and a one-size-fits-all approach is not sufficient. For example, a real estate firm managing a diverse portfolio of commercial buildings has different needs than a manufacturer with a single, high-value production facility. Zurich works with organizations across real estate and manufacturing sectors to address these specialized requirements. For our real estate customers, we understand the importance of protecting not just the physical structure, but also the rental income stream. Our policies can be structured to address risks like tenant-caused damage, equipment breakdown of critical building systems like HVAC and the complexities of multi-tenant liability.
For manufacturers, we focus on the entire operational chain, from raw material storage to finished goods. A disruption at one point can have cascading effects. Our risk specialists work with you to understand your specific operational vulnerabilities and structure an insurance program aligned with your operational priorities, including critical machinery and inventory, helping you maintain business continuity even when faced with a covered loss. This industry-specific focus allows us to offer coverage structured to align with your business objectives.
Natural Hazards Hub
With the increase in the frequency and severity of major storms, wildfires and other severe weather events, property loss control has never been more vital. But property exposures exist for any business, whether natural hazards are the most pressing risk or not. Loss prevention is the ultimate mission for Zurich Resilience Solutions, and while our assessments are central to that mission, we also offer a variety of loss-control services.
FAQs
Commercial Property Insurance protects your financial interest in your building, equipment, stock, and other assets — the very things that enable you to deliver the products or services to your customers that generate business income and provide jobs. That’s why this coverage can be one of the most important business insurance products your enterprise can purchase. Commercial Property Insurance policies can also include vital business interruption coverage features that can help you maintain your business income stream should a loss temporarily halt your operations.
A holistic approach to Commercial Property Insurance also pairs Risk Engineering services that help reduce losses with insurance coverages designed to help manage your total cost of risk. Zurich Resilience Solutions’ Risk Engineering professionals understand your business, the risks you face and approaches to reduce and mitigate your risks.
Commercial Property Insurance helps protect your business’ essential assets from significant risks. When an unexpected event occurs and causes serious damage to your business’ physical assets, with the potential to disrupt your business, Commercial Property Insurance can provide financial assistance and services to help your company recover more quickly.
Commercial Property Insurance can provide flexible and broad coverage that is customizable for the needs of your industry and business before, during and after an event. Commercial Property Insurance offers protection for business assets that can include buildings, equipment, inventory, tools, furniture, and personal property.
