Multinational insurance for Middle Market companies
When going global, it’s critical to take a fresh look at your risk program, as domestic insurance policies may not cover international exposures. For example, many companies overlook exposures related to importing or exporting goods, workers who travel overseas, or conducting online, cross-national transactions.
As your business grows and expands, Zurich can provide the right global insurance solution — from prepackaged solutions that cover many common exposures to a Controlled Master Program for more nuanced and complex business operations.
Navigating Multinational Risks with Clarity
Expanding into new countries introduces complexities that go beyond typical business risks. You may face unfamiliar legal requirements for product liability, different standards for workplace safety or intricate local regulations that can affect your contracts and operations. For example, a product that meets safety standards in the United States may require significant modifications to be sold in the European Union, creating new liabilities. Similarly, navigating customs and supply chain interruptions requires a deep understanding of local infrastructure and geopolitical conditions.
Determining the right insurance structure for your business is a critical step, and you don't have to do it alone. We work closely with you and your broker to understand the specific risks your business faces in each market. By analyzing your operations, supply chains and growth plans, we can help you identify potential gaps in coverage. This collaborative process helps structure a multinational insurance program aligned to your specific global risk profile, giving you a clearer view of your exposures and the confidence to move forward with your expansion ambitions. This approach helps you focus on managing your business, knowing that your insurance structure is aligned with your global footprint.
Explore our coverages
Zurich’s package policies are designed for the diverse needs of growing Middle Market businesses.
Exporter Solutions and Zurich Envoy®
These packages provide a convenient, scalable risk solution for growing companies.
Both packages provide coverage for:
- General Liability
- Property
- Excess Auto
- Kidnap & Ransom
- Voluntary International Employee Compensation and Employers’ Liability
- Business Travel Accident coverage with Zurich Travel Assist®
Exporter Solutions
Exporter Solutions is designed for U.S. companies moving into the global arena, with no foreign legal entities or physical operations.
- The Exporter Solutions digital platform allows Zurich-appointed distributors to make a submission, get a quote, view the proposal and bind the policy in about 15 minutes. Learn more below.
Some of the benefits include:
- Intuitive platform auto-fills names, addresses and other data, encompassing risks from 400+ SIC codes
- 1-year, 2-year and 3-year coverage options offered, along with the corresponding premium adjustments
- Ability to see terms and conditions as well as commission rates before you bind
- Coverage deselection and renewal capabilities
Ready to try it out? Click below to submit a request for access. If you already have an account, simply log in.
Zurich Envoy
As companies expand, Zurich Envoy is there for larger international exposures including overseas legal entities, permanent employees working abroad, and physical premises in foreign countries. It includes over 30 coverage options and can be used as a Controlled Master Program for more complex risk needs, helping to help ensure consistent standards of protection and service.
Zurich Edge® Global Property
For larger and more complex risks, our “all risk” property form was built with both domestic and global clients in mind, providing flexibility and alignment with applicable insurance regulations in all jurisdictions where we provide insurance. Written in easy-to-understand language and broadly customizable, Zurich Edge is especially advantageous for customers with highly protected risk exposures.
When implemented as the property component of a multinational program, Zurich Edge is the property global master policy supported by Zurich Prime, providing coverage for non-U.S. risk exposures.
Zurich Travel Assist
Provided at no additional cost with Zurich’s Envoy and Exporter Solutions packages, ZTA has medical, travel and security professionals who offer assistance 24/7/365. ZTA also provides an app for travelers with timely updates as well as a portal risk managers.
Explore Zurich's Middle Market solutions
Middle market companies need scalable insurance solutions that can evolve as their needs change, with servicing that can help them avert, minimize and recover from loss events.
Zurich has the multinational expertise that Middle Market companies need — backed by Zurich’s leadership position in servicing, claims and compliance. Offering diverse program structures, broad coverages and a creative approach, we can grow with you as your multinational insurance needs evolve. And our financial strength and expansive global network ensure we will be there when you need us.
Zurich offers:
Risk consultants
who work alongside you to tailor and manage your global risk program, with local underwriting and servicing teams in each U.S. region.
Digital tools
that provide transparency into your program performance.
Additional resources
such as continuing education training and risk insights, designed to help Middle Market companies strengthen their risk management expertise.
A Connected Global Network for Your Business
A Controlled Master Program provides a centralized approach to managing your global risks. It typically consists of a master policy issued in the U.S. that works in concert with local policies issued in the foreign countries where you operate. This structure is designed to create more consistent coverage and reduce the potential for gaps that can arise when managing multiple, disconnected policies. It simplifies administration and gives you a single, clear view of your company’s risk management strategy, which can be monitored through our digital tools.
Our global network is more than just a map of locations; it is a connected system of Zurich professionals who understand their local markets. This network operates cohesively to provide timely service, from policy issuance to claims handling. Should a claim occur in another country, our local teams are there to respond promptly, navigating local laws and languages while coordinating with your central team here in the U.S. This integrated approach helps deliver a smoother claims experience and supports the resilience of your business operations. It allows your business to function globally with the efficiency of a local team, providing the support you need to thrive in the ever-changing global marketplace.