Property Insurance Programs for Retail Agents

Zurich’s Property programs provide coverage for hard-to-place, catastrophe-exposed properties (wind/hail, earthquake), as well as traditional non-catastrophe business, including vacant properties, hotel/motel, industrial property, residential owner and tenant-occupied property, and more.

Non-catastrophic property

City Homes Insurance Program (CHIP)

The City Homes Insurance Program (CHIP) is designed for small urban multi-family buildings in designated cities across the country.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.

E&S assisted living, nursing homes and medical facilities

This Zurich program provides coverage for all types of assisted living facilities, nursing homes and medical buildings with no restrictions on construction or age. Coverage limits up to $25 million. Higher limits may be available depending on risk characteristics.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.

E&S industrial property

This program provides coverage for a variety of light industrial risks, from warehousing and distribution to light manufacturing. Coverage limits up to $25 million. Higher limits may be available depending on risk characteristics.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.

E&S retail property

From shopping centers and stores to malls and restaurants, our E&S retail property program does not have restrictions on construction or any minimum occupancy requirements. Coverage includes property and equipment breakdown with limits up to $25 million. Higher limits may be available depending on risk characteristics.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.

E&S vacant properties

Zurich’s E&S vacant property coverage has a broad appetite for all types of vacant buildings. Available nationwide with coverage limits up to $25 million. Higher limits may be available depending on risk characteristics.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.

Historic properties

Zurich’s Historic Properties program offers insurance coverage to qualified properties listed on the National Register of Historic Places or a state or local register. Targeted classes include museums, hotels or inns, theaters and other types of buildings constructed before 1950.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.

Investor property

A simplified approach to insuring investor property portfolios. The investor property program offers a package policy that includes both property and general liability coverage.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.

Owner- and tenant-occupied properties – NYC

This program provides specialized coverage for owner- and tenant-occupied brownstone, townhome, condo and coop properties located in the boroughs of Manhattan, Brooklyn and Queens in New York City. The program has been designed for the unique exposures in urban areas. Coverage limits up to $2 million.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.

Residential property flood

Zurich is helping close the flood coverage gap with a stand-alone residential private flood insurance program. This is the first admitted, customizable private flood insurance offering of its kind and is available in select markets.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.

Catastrophic property

California residential earthquake

The Zurich Residential earthquake Insurance program delivers insurance products with broader coverages, higher limits and lower deductibles. In California, Zurich insures newer structures or homes that have been retrofitted and built on flat or gently sloping lots. Coverage is available for single-family dwellings or condominium unit owners.

Agents: Access Program details

Customers: Contact your insurance agent or broker for access.

CAT4Home

Cat4Home covers 100% of your insured’s hurricane deductible. It is written over any personal lines property policy, except mobile homes.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.

E&S Property - CAT (wind) exposed

Zurich’s E&S property - CAT (wind) exposed program targets primary and excess, shared and layered programs, as well as ground-up placements.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.

Earthquake/DIC

Zurich also offers earthquake/difference in conditions (DIC) coverage, specifically for commercial businesses. The program is intended for medium-to-large commercial accounts constructed with steel, wood frame, reinforced concrete or joisted masonry. Coverage is written on primary or excess layers.

Agents: Access Program details

Customers: Contact your insurance agent or broker for access.

Residential property flood

Zurich is helping close the flood coverage gap with a stand-alone residential private flood insurance program. This is the first admitted, customizable private flood insurance offering of its kind and is available in select markets.

Agents: See appetite guide

Customers: Contact your insurance agent or broker for access.