Zurich E&S is fully dedicated to providing wholesale insurance distributors with the underwriting expertise and creative solutions they need to support their retail distribution partners and customers. Our quick and carefully tailored solutions enable us to build strong and enduring relationships and add value to your teams.
Our commitment to wholesale distribution includes Broker of Record (BOR) protection for our wholesale broker partners and we have the flexibility to offer both admitted and non-admitted solutions across commercial property (including meaningful CAT capacity), excess casualty, financial lines, and construction. This is enabled by our broad underwriting appetite and ability to deploy capacity on a 100% or shared layer basis.
Zurich E&S has the flexibility to offer both admitted and non-admitted property solutions, including meaningful CAT capacity. Our capacity offered can range from small quota share participation on difficult to place risks, to buffer capacity, to full ground up limits (determined by class of business and risk engineering information). Zurich’s expert engineering services allow us to distinguish between special hazards and traditional exposures for fire and explosion perils.
For all appointed brokers, please send all New Business submissions to ZurichEnS.Property.Subs@zurichna.com and CC your underwriter.
E&S Property
Our E&S Property offers property coverage solutions on both a primary basis and on an excess, quota share layered basis, and buffer layers, across a wide range of account types and locations. Recent coverage solutions have had average limits from $2.5M to $25M+ and premiums ranging from $100,000 to $1,000,000.
Zurich E&S Excess Casualty understands the significant risks customers face and can deliver the insurance protection options to meet the risk management needs of your insured. We combine excellent coverage options with the scale and capabilities to help protect our customers’ businesses where they operate with limits up to $25M, international coverage capabilities supported by a global network spanning over 210 countries and territories, and award-winning claims services.
For all appointed brokers, please send all New Business submissions to ZurichEnS.XSCasualty.Subs@zurichna.com and CC your underwriter.
Excess Casualty
Our Excess Casualty provides excess liability, umbrella liability and auto buffer solutions for a wide range of classes for our wholesale broker partners, with an average limit of $5M - $7.5M and attachment points up to $50M on larger excess casualty towers.
Zurich E&S’ Financial Lines team provides myriad solutions to customers looking to help mitigate their risk in areas such as management liability, employment practices liability, healthcare, fiduciary and crime. Also a part of this group is the Professional Liability & Cyber unit, which includes professional liability E&O, employed lawyers and security and privacy.
Financial Institutions
Zurich E&S provides professional liability coverages for our financial institution clients including, but not limited to, D&O, E&O, EPL, Fiduciary, and FI Bond on both a primary and excess basis. Recent accounts included smaller community-focused financial institutions like credit unions, to large publicly-traded financial intermediaries with account premiums ranging from $15,000 to $250,000.
For all appointed brokers, effective November 1, 2023, please send all New Business submissions to ZurichEnS.FinInst.Subs@zurichna.com and CC your underwriter.
E&O and Cyber Insurance
Our Errors and Omissions (E&O) and Cyber insurance cover a wide range of technology, manufacturing, and miscellaneous professional service providers. Our recent work has provided premiums averaging $130,000, with a range of $30,000 to $80,000 for insured revenues in middle market and corporate/national account bands.
Private/Non-Profit (PNP) Management Liability Solutions
Our Private/Non-Profit (PNP) Management Liability solutions include coverage options for private and non-profit entities including, but not limited to, D&O, E&O, EPL, Fidelity, and Crime coverage, with an average account premium of $15,000.
Public Management Liability Solutions
Zurich has recently provided Public Directors and Officers (D&O) coverage solutions to micro-cap to Fortune 500 firms across industries. Accounts with Primary D&O, Excess D&O, and Side A coverage have premiums ranging from $25,000 to $40,000 with Side A only coverage, to upwards of $750,000 to $850,000.
For all appointed brokers, effective November 1, 2023, please send all New Business submissions to ZurichEnS.PublicMgmtLiab.Subs@zurichna.com and CC your underwriter.
Zurich E&S can address the coverage needs for companies in the construction arena. Our suite of solutions provide coverage for all phases of building and construction. Whether your company is involved in non-residential construction; plumbing, heating and air conditioning; electrical work; plastering, dry wall and insulation; painting; carpentry or excavation work, our team of Construction specialists can help you manage your unique risks and exposures.
Zurich Excess and Surplus Contacts
Zurich Professional Liability and Cyber Fact Sheet
Zurich Public D&O Fact Sheet
Zurich Private Co. D&O Fact Sheet
Banking Industry Wholesale Fact Sheet
Financial Institutions Wholesale Fact Sheet
Asset Management Industry Wholesale Fact Sheet
The 2024 SAMA Excellence Award recognizes Zurich’s global customer relationship management as outstanding, not only in the insurance sector, but across industries. It’s the second win for Zurich.
Zurich North America’s Head of Large Casualty discusses industry challenges with commercial auto insurance and legal system abuse at Zywave Casualty Insights event.
Wholesale insurance brokers are an important intermediary when dealing with hard-to-place risks or working in a challenging market.
