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Insurance
- Accident and Health
  What is Accident and Health Insurance? Accidental injuries and healthcare costs have climbed. Accident and Health Insurance products can help organizations and individuals manage those trends, by providing a financial safety net for expenses that other insurance may not cover.
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- Builders Risk
  Builders Risk insurance is a vital coverage solution for any construction project. It protects the insurable interest that midsized and large construction companies have in materials, fixtures and/or equipment during the construction or renovation of a building or structure.
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- Captives
  A captive is an insurance company owned and operated by an enterprise in an industry other than insurance. The parent company uses the captive to transfer risk as it might with a traditional insurer, placing premiums in the captive and paying claims. A captive can reduce the parent company’s total cost of risk, in addition to providing risk managers with better information and greater transparency for international exposures or complex risks.
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- Casualty
  Commercial Casualty Insurance from Zurich addresses losses from injuries to people and/or damage to their property and the legal liability from these accidents.
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- Commercial Fleet
  Operational risk is an unavoidable part of the automotive rental business.
  
  Auto liability and physical damage coverages are vital for auto and truck, recreational vehicle, contingent lease and customer service fleet rental enterprises of any size.
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- Cyber Insurance
  Zurich Cyber Insurance products and Risk Engineering services help protect customers’ networks, data and reputations in a world of intensifying cyber threats.
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- Environmental
  Environmental Insurance, aka pollution liability insurance, protects companies from unexpected pollution losses that may not be covered by standard policies.
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- Excess and Surplus (E&S)
  Zurich’s Excess and Surplus (E&S) insurance and Specialty Lines insurance for the wholesale market optimizes underwriting, Claims services and a global reach.
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- Life and Absence Management
  Life and absence management solutions make it easier for companies to manage employee absences and align with federal and state leave laws.
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- Management Liability
  Management Liability Insurance protects companies and their executives, including directors, officers and managers, from the challenges of doing business in today’s complex marketplace. Increased regulatory scrutiny as well as current and emerging risks can leave business leaders and their companies vulnerable to lawsuits.
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- Private Equity
  Zurich Private Equity Insurance can help investment firms protect against potential risks, including lawsuits, reputational damage and regulatory challenges.
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- Professional Liability
  Professional liability insurance, also called Errors and Omissions (E&O) insurance, protects specialized professionals from financial harm and reputational risks. High-profile industries often attract risks associated with the services they provide.
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- Programs
  Zurich Programs is a leading provider of specialty insurance programs, working with Program Administrators to offer tailored insurance for specialty markets.
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- Property
  Zurich can provide Commercial Property Insurance and risk mitigation solutions for companies in 215 countries and territories around the globe.
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- Strategic Risk Solutions
  Our Strategic Risk Solutions specialists work with customers to deliver highly customized multi-line, multi-year insurance packages that include Integrated Risk and Structured Risk programs. A skilled, interdisciplinary team of professionals in property and casualty insurance, management liability, finance and law specialize in helping to protect companies with difficult, hard-to-place risks.
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- Surety
  Zurich surety bonds provide financial and performance guarantees for construction, trade and other business needs. We’re a top 3 surety provider in the U.S.
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- Trade Credit & Political Risk
  Finding markets for your business to expand into requires an entrepreneurial strategy. Zurich delivers responsiveness and expertise to help you grow successfully.
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- Umbrella
  In today’s complex world, the primary limits protecting your company may not be enough.
  
  Commercial Umbrella coverage increases your limits, helps close gaps and provides greater protection against claims and peace of mind so you can concentrate on growing your business.
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- Workers’ Compensation
  Workers’ Compensation Insurance can help protect employees from the serious costs of work-related injuries while also helping shield employers from claims that could put their business operations in peril.
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Industries
- Agriculture
  A leading innovator of agricultural insurance, RCIS offers a full line of products and services that meets the unique requirements of agriculture producers across the U.S.
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- Automotive
  Zurich has been in the automotive industry almost as long as cars have been in America. And while the buying, selling—and even driving—of cars is changing in ways unimagined then, we’re still here—helping dealers adapt and grow their businesses, and making it easier for car buyers to handle the escalating cost of owning a car.
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- Construction
  Zurich provides contractor and construction insurance, including general liability, builders risk, workers’ compensation, property, environmental and more.
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- Energy
  Zurich Energy insurance helps energy companies manage the risks related to production, processing, logistics and storage of the world's important resources.
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- Financial
  With more than 125 years of providing financial services insurance, Zurich provides a full range of coverage solutions for the financial industry’s needs.
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- Healthcare
  Customized insurance solutions can help hospitals, clinics, nursing homes and other healthcare facilities, assess and mitigate these risks, allowing them to pursue their primary mission: delivering high-quality medical care.
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- International
  Zurich’s Global Insurance solutions provide coverages and risk mitigation approaches for companies with international operations and/or exposures.
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- Manufacturing
  With coverages like General Liability, Workers’ Compensation and Business Interruption, Manufacturers’ Insurance helps companies protect against growing risks.
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- Marine
  Marine insurance, which includes inland marine and ocean marine insurance, covers the loss or damage of goods and materials being transported around the world.
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- Real estate
  Zurich knows the risks of commercial real estate insurance and has the tools to help real estate management companies protect their investments.
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- Technology
  Zurich technology insurance specialists help hardware and software manufacturers protect against the often-unique and changing risks facing their organizations.
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Risk Engineering
About Us
- Awards and recognitions
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- Contact us
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- Community impact
  Protection isn’t just our product. It’s our passion. That’s why Zurich employees give beyond expectations.
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- Executive committee
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- Golf
  Why we truly love golf
  
  Golf is a game of risk management and resilience. That resonates in our business. In fact, that resonates for a lot of the businesses we insure. That’s why we are a proud supporter of the PGA TOUR. We became the title sponsor of the Zurich Classic of New Orleans in 2005, the year of Hurricane Katrina.
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- History and timeline
  Founded in Switzerland in 1872, Zurich expanded to North America in 1912. Over the years, our insurance and surety products have helped make it possible for innovators to execute. See how and where our protection has helped turn bold vision into breath-taking reality.
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- Zurich North America headquarters
  Built for progress.
  
  For over a century, Zurich North America has called the greater Chicago area home. We take pride in our past while always looking forward.
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- Purpose and values
  Putting you at the center of all we do
  
  Our purpose starts with protecting what you’ve worked hard for, so that you have the confidence to pursue opportunities that help you reach your full potential. Our people take an expansive view of this shared purpose. We carry it out not just with the businesses we insure but also in the communities where we live and work.
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- Sales & Distribution
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Brokers
- Appetites
  A simple approach to accessing Zurich’s risk appetite.
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- Zurich Academy for Select Brokers
  We offer a wide range of both CE-accredited technical training and non-technical skill-building programs, including sales and negotiation guidance, in a productive, highly interactive and engaging environment.
  - Zurich Academy Programs / course descriptions
    Develop your business and gain a competitive edge with our continuing education training.
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  - Sales and business development training
    A series of customizable programs from Zurich Academy for Select Brokers® to help sales teams gain a competitive edge.
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- Account development tips for brokers
  Our series of tips for Select Brokers® highlights opportunities to help grow your customer accounts.
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- Middle Markets
  Zurich’s middle market insurance solutions include a broad range of tailored property, casualty and specialty lines of insurance and risk mitigation services.
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- Success stories
  Zurich is helping to make a difference for customers across North America through our solutions, services and experienced team. Here are some examples that demonstrate our responsiveness and dedication.
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Claims
- Analytics and reporting
  Through advanced analytics, we deliver insights to our customers and improve our processes to help reduce the total cost of risk. Working with brokers and customers, our goal is to continuously optimize our customer data focus, provide consistency across touch points and deliver greater visibility and insight about trends and exposures.
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- Claims offices
  Locate a Zurich North America claims office
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- Customer care center
  Zurich’s award-winning Customer Care Center is staffed by a team of specialists trained to set up your claim. This facility is the central intake point for all new claims reported to Zurich and handles more than 750,000 transactions annually.
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- Enroll in Electronic payments
  For your convenience, Zurich is pleased to offer electronic payment options.
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- FAQs and claim reporting tips
  We want to help make your claim reporting experience as simple as possible.
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- Legal services
  Having the right claim management team can help decrease the uncertainty and costs associated with complex litigation.
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- Medical management
  Having the right people and programs in place can help ensure that your injured workers receive quality medical care while also effectively managing medically related costs.
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- Property claims and catastrophe management
  From a broken window to a catastrophic weather event, you rely on your insurance provider to help resolve property claims so you can focus on running your business.
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- Zurich RiskIntelligence
  Zurich RiskIntelligence is a powerful web-based system that provides daily updates of claims and loss information.
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- Special Investigations Unit
  Our Special Investigations Unit is at the core of all Zurich insurance fraud-fighting initiatives and is continuously taking action to help protect our customers. Services provided by the Special Investigations Unit (SIU) are available to policyholders as part of their policy with us.
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- Special reporting instructions
  Timely reporting and detailed information are key to the claim handling process.
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- State managed care
  There are several states which provide an MCO program or require specific documents be posted or provided outside of a program.
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- Vehicle owners claims
  Claims assistance for vehicle owners
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- Protect the environment. Think before you print.

What gravity can cost New York property owners

May 16, 2018

Understand your risks as a property owner when you hire a contractor for maintenance, renovations or construction.

construction worker blue hat

Property owners in New York who hire contractors for maintenance, renovations or construction may not realize they could be vulnerable to lawsuits under New York Labor Law Sections 240 and 241. These laws were enacted to protect workers from “height-related accidents,” which includes both workers falling and objects falling on workers.

This article explains why you need to understand these laws, offers some examples of what issues each law addresses, and presents some scenarios of potential liability for property owners.*

Read the article