Commercial Property Insurance with Zurich E&S

Solutions for Wholesale Distributors

Excess Commercial Property Insurance (E&S)

Properties face increasing risks from natural catastrophes and market volatility. Zurich serves as a stable force, providing Excess Commercial Property Insurance designed to help businesses protect their physical assets. We work with wholesale brokers to deliver significant capacity and broad insurance protection, helping your customers maintain resilience in an unpredictable world.

Why Choose Zurich E&S for Commercial Property Insurance?

Zurich E&S distributes 100% of our commercial property capacity to the wholesale market. Our dedicated E&S team strives to deliver the quick turnaround time and tailored solutions demanded by our wholesale broker partners. Our commitment to exclusive wholesale distribution includes Broker of Record (BOR) protection for our wholesale broker partners. Zurich E&S offers non-admitted property solutions, to include 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 identify special hazards and traditional exposures from fire and explosion perils.

E&S Commercial Property Resources

Zurich E&S Property
Zurich E&S Property recent wins

Key Benefits of Zurich E&S Commercial Property Insurance

Finding insurance for high-risk commercial properties can be tough due to the unique challenges these properties present. Zurich E&S Commercial Property Insurance steps in to offer tailored solutions that go beyond the scope of standard policies. This specialized insurance covers properties that face greater risks and are thereby overlooked by traditional insurers, providing a vital safety net for property owners and managers who require strong coverage.

Claims

Recognized claims services

Distribution

100% wholesale distribution strategy

Coverage Type

Admitted and Non-admitted coverage capability

Financial Strength

A.M. Best (A+/Superior) and Standard & Poor's (AA/Stable)¹

Capacity & Flexibility

Zurich’s E&S Property team offers flexible solutions, from shared and layered programs to full ground-up limits. We understand that every property portfolio is unique. That's why our experienced underwriters collaborate with you to structure coverage that meets specific CAT needs and risk profiles, offering a tailored approach to property protection.

FAQ

E&S Commercial Property insurance gives extra protection beyond existing policy limits. It's crucial for entities needing more coverage than their primary policies offer, especially for businesses with significant property investments at risk from catastrophic events. This type of insurance is often used to protect high-value properties, managing potential losses effectively.

A commercial warehouse in a hurricane-prone area is an example. The high risk of wind or flood damage may require excess insurance to cover losses beyond primary policy limits.

¹Zurich’s financial strength rating as of March 6, 2025. A.M. Best’s and Standard & Poor’s financial strength ratings are under continuous review and subject to change and/or affirmation. For the latest Best’s Ratings and Best’s Company Reports (which include Best’s Ratings), visit the A.M. Best website at www.ambest.com. For the latest Standard & Poor’s ratings, visit the S&P Global Ratings website at www.spglobal.com. The ratings represent the overall financial strength of the individual member companies of Zurich in North America, including Zurich American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of each issuing insurance company.