Multinational insurance solutions for large global companies

Complex global businesses often require creative, flexible solutions to address their risks. Zurich has invested in a multinational network and global insurance specialists for over 50 years. Today, we continue to invest in people, our network, thought leadership and technology to deliver multinational insurance program solutions that meet the risk challenges of global businesses around the world.

Contact a Zurich Multinational Programs team member today

Explore Zurich’s solutions for multinational companies

Do you want to develop better consistency, control and continuous improvement to your large, multinational global risk program?

Zurich can help. With over 50 years of multinational program experience, Zurich is a proven insurer that knows how to manage even the most complex global risks. Along with tailored, multiline coverages, Zurich provides deep multinational insurance expertise to help companies understand and manage the evolving needs of their global program. Consider what Zurich offers:

Along with our nearly 40 product offerings, Zurich’s diverse program structures are a key reason we can grow with our customers and help them adapt to changing business conditions. For example, along with traditional program structures, Zurich offers alterative risk solutions such as Captives and Loss Pooling, providing valuable options for companies navigating fast-changing economic conditions.

Zurich Loss Pooling Program

Zurich's Loss Pooling Program offers U.S. multinational corporations a flexible solution to manage global casualty risks by aggregating premiums and losses from foreign subsidiaries under a single master policy, enhancing flexibility, efficiency, and resilience in response to evolving risk exposures and shifting economic and regulatory landscapes.

Key benefits:

Tailored risk management strategies to address local compliance and performance needs.
Improved financial flexibility and optimized capital allocation for strategic growth.
Access to Zurich’s global expertise for proactive compliance, streamlined claims handling, and informed risk oversight.

Learn more about Zurich's Loss Pooling Program

Zurich has a strong track record of providing innovative solutions for multinational risks. For example, Zurich created Financial Interest Coverage (FInC), which amends a Master policy to cover all (or a portion of) a multinational’s financial interest in its worldwide subsidiaries, when non-admitted coverage is not permitted. FInC can help protect parent companies from losses suffered by a subsidiary that does not have sufficient local coverage. FInC has now become an industry standard.

Moving premiums and claims funds from one country to another can be confusing, because different countries have various premium and loss payment transfer taxes. Zurich is known for its ability to transfer funds promptly from our network to the Zurich office managing the Master program. This is powered by our global technology platform, International Programs System, which is used by all Zurich-owned offices, direct partners and network service centers around the world.

What’s measured is treasured. Zurich’s Customer Service Report includes key performance indicators (e.g., time to invoice, issue policies and receive local payments), as well as Zurich’s year-over-year performance and benchmark comparisons to help you continue strengthening your global program. In addition, during program placement, Zurich’s servicing team can provide consistent, proactive communications at every stage of the process, ensuring a smooth program transition and faster policy issuance.

Explore our coverages

Property

Our single-policy approach is supported by a network delivering locally written policies and services in over 200 countries and territories. It combines flexibility, broad product choice and superior global servicing.

Casualty

Casualty solutions are tailored to your needs by multinational insurance experts and designed to provide seamless coverage and address the total cost of global risk.

Energy

A team of Zurich Energy professionals is experienced in the underwriting and servicing of oil and gas, petrochemicals, natural resources, power generation and other energy industries around the world.

Construction

Zurich has a dedicated underwriting team for global construction exposures, which is one reason more than 85% of the top 100 contractors choose Zurich for insurance protection.

Marine

A wide range of products and services is available to help customers protect cargo and hull exposures, as well as international trade, marine construction, terminal operations and other marine-related businesses.

Financial Lines

From a traditional Directors and Officers (D&O) tower or standard Multinational program to our unique, stand-alone International Towers by Zurich offering, we deliver solutions to fit your evolving multinational needs in more than 140 jurisdictions.

Captive Services

Leveraging more than 30 years in the delivery of Captive Services, Zurich specialists apply global knowledge to help develop a variety of fronting and alternative risk solutions, from Single Parent Captives to Cell Captives, Group Captives and more.