Excess and Primary Casualty Insurance with Zurich E&S
Solutions for Wholesale Distributors
Why Choose Zurich E&S Casualty Insurance?
Zurich E&S Casualty is a market dedicated to serving the wholesale distribution channel and creating customized solutions for complex casualty risks. Backed by experienced underwriters with the authority to make prompt decisions, Zurich E&S offers both primary and excess casualty capabilities across a broad range of industries and exposure sizes. Customers benefit from flexible coverage structures, meaningful excess casualty capacity, award-winning claims services and access to a global team of risk engineers. For organizations with international operations, Zurich's multinational network spans more than 210 countries and territories, helping support casualty programs wherever business takes them.
Coverage Options for Complex Casualty Risks
Zurich E&S Excess Casualty offers a range of excess liability solutions designed to help organizations address complex risk management challenges. Coverage options include Umbrella Liability, Straight (Lead) Excess Liability and Follow Form Excess Liability structures. Zurich E&S also offers supported excess placements, ventilated excess placements and monoline excess placements, providing flexibility to address a wide variety of risk profiles and program structures. With experienced underwriters empowered to make prompt decisions, Zurich E&S works with wholesale distribution partners to develop casualty solutions tailored to the unique needs of each insured.
Navigating Complex Risks Together
In today's unpredictable market, businesses require more than just a policy; they need a resilient strategy for unforeseen challenges. That's why we work closely with your wholesale broker to understand the specific risks your operations face. Our approach is built on communication and a deep understanding of industries from construction to manufacturing. For instance, a complex infrastructure project may face supply chain and on-site liability risks that standard coverage doesn't fully address.
Our experienced team collaborates with your broker to structure primary and excess casualty solutions designed to fill those gaps. We analyze potential exposures and develop a structured approach aligned to your risk profile, providing broad protection designed to support long-term resilience. This collaborative process helps your business make informed decisions in a changing risk environment.
Casualty Coverage and Capacity
Zurich E&S offers flexible primary and excess casualty solutions designed to address a broad range of liability exposures. For primary casualty risks, Zurich E&S offers ISO-based coverage forms with occurrence and claims-made options available. Coverage can be structured with defense costs inside or outside policy limits, with deductibles available up to $100,000 and minimum policy premiums starting at $7,500. For excess casualty placements, Zurich E&S provides meaningful capacity, including up to $10 million in lead and lower excess layers and up to $25 million available at higher attachment points depending on the risk profile. Combined with experienced underwriting and flexible program structures, Zurich E&S can support a wide range of casualty insurance needs.
Excess and Primary Casualty Resources
Key Benefits of Zurich E&S Casualty Insurance
Navigating the complexities of commercial liability requires solutions designed for unique needs. For wholesale distributors, understanding the options in primary and excess casualty insurance is essential for covering against significant risks. Zurich E&S offers specialized expertise and coverage options to help distributors face the future with greater confidence.
Building a More Confident Tomorrow
Helping your business prepare for the future is at the core of what we do. Our financial strength, reflected in strong ratings from independent agencies such as A.M. Best and S&P Global, provides a stable base in a volatile world. But our contribution goes beyond stability. We empower businesses to operate with greater optimism by offering flexible, non-admitted coverage capabilities for hard-to-place risks.
Consider a fast-growing technology firm expanding into new territories; its emerging risks may not fit within traditional insurance frameworks. Our E&S solutions are designed to address these unique situations, allowing the company to innovate and grow without being constrained by uncertainty. By working with Zurich E&S, you gain the support of a provider dedicated to helping you build confidence today to take optimistic action for tomorrow.
Claims and Risk Engineering Support
Zurich's support extends beyond underwriting and policy placement. Customers benefit from award-winning claims services and access to a global team of risk engineers who help organizations better understand, assess and manage casualty exposures. These resources complement Zurich's underwriting expertise and can help businesses strengthen risk management efforts while navigating complex casualty risks.
Already Appointed With Zurich?
Send your new business submissions to the email addresses below and CC your underwriter
Excess Casualty - ZurichEnS.XSCasualty.Subs@zurichna.com
Primary Casualty - ZurichEnS.Primary.Casualty.Subs@zurichna.com
FAQ
Both excess casualty and umbrella insurance provide extra liability coverage, but they are different. Umbrella insurance often covers more types of claims, even those not included in primary policies. Excess casualty insurance sticks to the terms of primary policies but offers higher limits.
1Admitted only applicable to Excess Casualty
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.