E&S Retail Property Insurance

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.

shopping mall

Business owners: Contact your insurance agent or broker

Insurance agents

Call a specialist now 847-762-7151

Appetite

  • Shopping center
  • Stores
  • Malls
  • Restaurants
  • Other retail
  • Limited critical flood or earthquake

Geography

  • Nationwide except Alabama, Arkansas, Florida, Kansas, Louisiana, Mississippi, Oklahoma, and Texas

Ineligible risks

  • Windstorm and hail in Tier 1 or Tier 2 counties

Coverages offered

  • Property and Equipment Breakdown
  • Named Perils to All-Risk
  • ACV and RCV valuation
  • No coinsurance with proper insurance to value ratio

  • Submission forms available upon request from this Program Administrator.

  • Program limits up to $25 million for primary and excess. Higher limits may be available depending on the risk characteristics.
  • Minimum premium: $10,000
  • Minimum deductible: $5,000

  • This program does not have restrictions on construction or any minimum occupancy requirements. This Program Administrator will entertain accounts that have had losses or are being non-renewed for low occupancy rates.

  • Non-admitted

FAQs

E&S Retail Property Insurance from Zurich provides Excess & Surplus insurance solutions for retail properties with complex, distressed, or higher risk exposures that may not qualify for standard insurance markets. Coverage is designed to address unique property characteristics, occupancy risks or loss histories.

Zurich E&S Retail Property Insurance may be available for properties such as:

  • Strip malls and shopping centers
  • Stand alone retail buildings
  • Mixed use retail properties
  • Urban or older retail structures

Eligibility is determined based on construction, occupancy, location and risk profile.

Retail properties may require E&S insurance due to factors such as:

  • Prior losses or claims history
  • Vacancy or non standard occupancy
  • Older construction or unique building features
  • Location specific or urban exposures

Zurich E&S solutions provide underwriting flexibility to address these non standard risks.

Depending on underwriting approval, Zurich E&S Retail Property Insurance may include:

  • Property insurance
  • General liability
  • Business income coverage
  • Equipment breakdown (when applicable)

Coverage is customized based on property characteristics and operational exposure.

Yes. Zurich E&S Retail Property Insurance may provide coverage for partially vacant properties, subject to underwriting review. Vacancy levels and tenant mix are evaluated to determine eligibility and coverage structure.

Business income coverage may be available through Zurich E&S Retail Property Insurance, helping protect revenue if a covered loss disrupts normal retail operations.

Zurich evaluates E&S retail property risks based on factors such as building age, construction type, tenant occupancy, loss history and location specific exposures. This approach allows for flexible solutions tailored to complex retail risks.

Yes, except Alabama, Arkansas, Florida, Kansas, Louisiana, Mississippi, Oklahoma and Texas, subject to E&S eligibility, underwriting guidelines and state regulations.

Yes. Zurich works closely with insurance agents and brokers experienced in E&S retail property insurance to structure coverage aligned with property conditions and ownership goals.

To obtain Zurich E&S retail coverage, businesses can request contact through ZProgramsMatch.

Zurich E&S Retail Property Insurance may be a good fit for owners whose properties:

  • Do not meet standard market guidelines
  • Have complex or distressed risk profiles
  • Require flexible underwriting solutions

Zurich helps retail property owners access coverage when traditional options are limited.

Property owners choose Zurich because of:

  • Experience supporting complex E&S property risks
  • Flexible underwriting solutions
  • Strong claims and risk management support
  • Long term financial strength and stability

Zurich delivers tailored E&S solutions for challenging retail property exposures.