Excess and Surplus Lines Insurance with Zurich E&S

E&S insurance refers to coverage provided by non-admitted carriers for risks that standard insurers may not accept. These carriers operate with greater flexibility in underwriting and policy customization, making them suitable for businesses with unique or high-risk exposures.

Admitted carriers are licensed in the states where they operate and are subject to regulatory oversight, including participation in state guaranty funds. Non-admitted carriers, such as those in the E&S market, are not licensed in every state and do not typically participate in guaranty funds, allowing for more customized coverage options.

Excess coverage provides additional limits above a primary insurance policy. It activates once the primary policy’s limits are exhausted, offering extended financial protection.

E&S insurance is particularly valuable for businesses with non-standard risks, including:

• Wholesale distributors handling specialized or high-value goods
• Owners of properties with unique characteristics or in catastrophe-prone areas
• Businesses engaged in high-hazard operations
• Emerging industries with evolving risk profiles
• Companies requiring high liability limits
• Businesses with challenging claims histories
• Zurich E&S helps ensure that these businesses can access insurance coverage suited to their operational realities