Commercial Property Insurance

What is Commercial Property Insurance?

Commercial property insurance protects your financial interest in your building, equipment, stock and other assets, the very things that enable you to deliver the products or services to your customers that generate business income and provide jobs. That’s why this coverage can be one of the most important business insurance products your enterprise can purchase. Commercial property insurance policies can also include vital business interruption coverage features that will help you maintain your business income stream should a loss temporarily halt your operations.

A holistic approach to commercial property insurance also pairs Risk Engineering services that help reduce losses with insurance coverages designed to help manage your total cost of risk. Zurich Risk Engineering professionals understand your business, the risks you face and approaches to reduce and mitigate your risks through business property insurance.

Why Zurich?

Zurich takes a holistic approach to commercial property protection because the better you know your risk exposures and plan for them, the better opportunity you have to help minimize the impact of an event and disruption to your business. We’ve developed approaches based on over a century of experience in North America and around the globe that can provide flexible risk transfer options and services that help cover you before, during and after an event.

Whether your property lies solely within the U.S. or you have international operations, we can support your traditional risk transfer needs with flexible, broad commercial property insurance forms that are customizable for the needs of your industry and business. We are also an industry leader in fronting, reinsurance and related services for clients with captive insurers.

But what if you could go beyond risk transfer to prevent or reduce damage and minimize the impact of an event on your business? Zurich can help you do this through Risk Engineering and Claims services that help you build resilience whether you are self-insured, manage your risks through a captive or utilize a more traditional approach to risk transfer. And with Zurich, our global footprint can provide you access to these services around the globe, providing a consistent level of Risk Engineering and Claims service no matter where you conduct business.

215
Countries and territories in Zurich’s global network – one of the largest in the insurance industry

9,600+
Claims professionals to help you address a claim no matter where it occurs

800+
Risk Engineering professionals in 40 countries who can help mitigate your risk further

Solutions

Commercial property forms

Zurich Property Portfolio Protection

Built with middle market customers in mind, this modular form simplifies the insurance-buying process by providing insurance protection for the coverage you need to operate in today’s increasingly competitive markets and providing you some flexibility with customizable features. The form and policy enhancements are based on this philosophy and centered on feedback from both customers and brokers.

Zurich Edge^®

For customers with larger and more complex risks, our “all risk” property form is designed to set a coverage and flexibility benchmark for commercial property needs. Built with both domestic and global clients in mind, the Zurich Edge® is designed to provide greater alignment with applicable insurance regulations in all jurisdictions where we provide insurance. Written in easy-to-understand language and broadly customizable, the Zurich Edge is especially advantageous for customers with highly protected risk exposures.

When implemented as the commercial property component of an international program, Zurich Edge is the property global master policy supported by Zurich Prime, providing coverage for non-U.S. risk exposures.

Commercial property coverage

As an established presence in the global property insurance marketplace, Zurich underwrites and services a broad range of customers, from midsized to large corporate and multinational organizations. Through a global network of Risk Engineering and Claims professionals, we help customers manage their property risks around the world through insurance, education and mitigation services.

Construction

As one of the leading insurance providers serving the construction industry, Zurich provides creative and differentiated solutions for construction firms designed to help reduce losses and protect workers. Specialized solutions are available for annual practice policies, projects and wrap-ups.

Learn more about Zurich's Construction insurance solutions

Energy

Zurich Energy Property specializes in providing comprehensive energy risk solutions, Risk Engineering and Claims support customized to meet the needs of oil and gas, petrochemical, mining, refining, power generation and utilities, onshore and offshore exploration and production, and alternative energy and renewables.

Learn more about Zurich’s Energy insurance solutions

Marine

Zurich underwrites Marine insurance for commercial property on the move at sea, on land or in the air. For customers with water transportation and marine operations, we offer Hull and Marine Liability coverage as well as ocean cargo insurance for property in transit. We also provide a broad range of inland marine coverages insuring a broad range of risk exposures, from contractor’s equipment to warehouse liability.

Learn more about Zurich’s Marine insurance solutions

Excess and Surplus Property Coverage

Zurich’s Wholesale Property team works with Wholesale Distributors to deliver creative underwriting solutions for difficult-to-place commercial property risks. Our experienced team will leverage strategic excess and surplus capacity designed to complement and help brokers provide insurance solutions for challenging risks.

Learn more about Zurich’s Excess and Surplus solutions

Zurich International Property Damage and Business Interruption Policy

When your company has multinational exposures, a Zurich International Property Damage and Business Interruption Policy helps to protect your property in a consistent manner around the globe. Coverage is written to align with Zurich’s worldwide standard wording for international property damage and business interruption coverage.