E&S - Excess & Surplus Insurance

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 Casualty, a market 100% dedicated to servicing the wholesale distribution channel, excels in creating individual risk solutions. We cater to a broad range of industry segments and most exposure sizes, demonstrating our adaptability and customer-centric approach. Our Primary General Casualty capabilities include guaranteed cost programs ranging from first dollar to $100,000 deductible options. We also offer supported, ventilated, or monoline excess placements.

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.

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.