Excess and Surplus Lines Insurance with Zurich E&S
Solutions for Wholesale Distributors
Zurich works with wholesale distributors to deliver broad insurance protection for complex and non-standard risks. In an evolving market, businesses need confidence to take optimistic action. Our dedicated E&S team offers the stability and financial strength1 you expect, combined with the flexibility of the excess and surplus lines market. We help you address complex challenges with structured solutions designed to meet the specific needs of your customers.
Why Choose Zurich E&S?
Zurich E&S is fully committed to empowering wholesale insurance distributors with the underwriting expertise and innovative solutions needed to support their retail partners and clients. We understand the fast-paced, complex nature of the E&S market—and we’re built to respond. Our team delivers customized coverage strategies designed to address emerging and hard-to-place risks. Whether it’s casualty, commercial property, construction, or financial lines, Zurich E&S offers flexible coverage options for various complex risks.
Meet Our Zurich E&S Team
Explore our Specialized E&S Offerings
From construction projects to specialized casualty needs, our experienced team understands the nuances of hard-to-place risks. We offer specific capabilities in:
- Construction: Project-specific and practice policies designed to address evolving contractor liabilities.
- Casualty: Flexible primary and excess coverage for a wide range of industries, including manufacturing and real estate.
- Financial Lines: Management liability solutions designed to address leadership risks in a complex regulatory environment.
Our approach is collaborative. We don't just provide capacity; we work with you to structure coverage solutions that align with your customers' business goals.
Benefits of Zurich E&S
Ready to do business, but don't have a retail agent?
Accessing our Excess and Surplus Lines products requires working with a licensed wholesale broker.
Frequently Asked Questions
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
1. Zurich Annual Report, 2025.
2. Zurich’s financial strength rating as of March 6, 2025. A.M. Best’s and Standard & Poor’s financial strength ratings are under continuous review and subject to change and/or affirmation. For the latest Best’s Ratings and Best’s Company Reports (which include Best’s Ratings), visit the A.M. Best website at www.ambest.com. For the latest Standard & Poor’s ratings, visit the S&P Global Ratings website at www.spglobal.com. The ratings represent the overall financial strength of the individual member companies of Zurich in North America, including Zurich American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of each issuing insurance company.