
Global Insurance Solutions for Multinational Businesses
What is multinational insurance?
Doing business across borders offers tremendous business opportunity – and risk. A multinational insurance solution provides local coverage, claims servicing and regulatory alignment to help global companies mitigate cross-border exposures. Companies of all sizes have multinational exposures - from employees travelling outside of the U.S. and exporting goods, to warehousing and in-country manufacturing facilities encompassing non-traditional Property and Casualty like D&O and Cyber needs.
Zurich’s multinational insurance solutions help companies manage these risks at every stage of their journey, with proven expertise and broad offerings backed by our leadership position in service, claims and compliance.
Learn more about the different types of multinational business risks.
Why Zurich?
Zurich is among the few truly global insurers and has underwritten multinational insurance programs for over 50 years.
Zurich offers:
- A 100+ dedicated servicing team, for multinational programs providing proactive, flexible servicing solutions with real-time data and insights for your Zurich risk portfolio
- A globally consistent, uniform Claims experience to help you get back to business, with prompt money movement and a single Claims contact across all lines of business
- A robust global network, with more than 50 Zurich-owned offices managing 90% of premium and claims
- Comprehensive, innovative multinational solutions delivered by accredited Zurich specialists
3,000
Zurich professionals certified to manage multinational programs
200+
countries and territories served through Zurich’s global network
7,500
Claims professionals in 32 countries
What Multinational program structure is best for your company?
Every company is unique. A multinational insurance program should be tailored to a company’s specific needs and the diverse requirements of the countries where it operates. For Middle Market companies, a packaged solution such as Zurich’s Exporter Solutions or Envoy® is typically the best choice. For more complex risks, a Controlled Master Program should be considered.
Exporter Solutions: A company’s domestic insurance policies may not cover risks related to employees traveling abroad; importing and/or exporting goods; work with third-party manufacturers outside of the U.S.; or even online transactions crossing national boundaries. Zurich’s Exporter Solutions package delivers a solution for domestic companies moving into the global arena. This is a convenient, cost-efficient multiyear policy that lets you take a longer view of your company’s growth. Our convenient digital platform allows Zurich-appointed distributors to easily secure the incidental global insurance coverage their customers need — in minutes.
Envoy: Many companies moving into the global arena opt for a multiline package insurance policy designed for the broadest range of multinational risks, such as Business Travel Accident, Excess Auto, General Liability, Kidnap and Ransom, Property, Travel Assistance, Voluntary International Employee Compensation (VIEC) and more. Zurich’s Envoy package provides a single Master policy, modeled after U.S. forms, that offers over 30 coverage solutions so you can expand into the international arena with confidence.
For more complex needs, a Controlled Master Program (CMP) uses a policy for worldwide coverage outside a parent company’s country of domicile, combined with local admitted policies to help provide complete and uniform coverage. To supplement these local policies, the parent company also purchases a U.S. Master policy providing difference in conditions (DIC)/difference in limits (DIL) where legally permissible that sits above local policies, filling any coverage gaps. Where no local policies exist, the U.S. Master policy provides primary coverage. In most scenarios, premiums and losses are paid in the countries where the exposures are located via local policies. While the U.S. Master policy rarely comes into play, it ensures access to the company’s Umbrella policy and is available if coverage or limit shortfalls occur between the local admitted policies.
In addition to coverage, a Zurich CMP provides administrative benefits. The U.S. Master policy and the local policies can be purchased together, eliminating the need to buy each local policy separately and offering more control. Zurich stays abreast of local insurance requirements and assures that the program is compliant. In addition, our multinational technology platform ensures local policies and premium payments are coordinated, which enables centralized claims reporting.
Holistic, multiline solutions
Zurich offers Property, Casualty and Specialty coverages across almost 40 lines of business as well as Risk Engineering and Claims services.

Global insurance for large multinationals
Global insurance for large multinationals

Global insurance for Middle Market companies
Global insurance for Middle Market companies
Zurich’s multinational insurance solutions provide coverages and risk mitigation approaches for Middle Market companies with foreign operations or exposures.
How do you create a multinational insurance program?
Creating a holistic multinational risk program with the right insurance coverages and servicing, country by country, can be challenging. To help you navigate these requirements, Zurich’s International-certified specialists start by asking these key questions:
It’s critical to have a clear understanding of your company’s exposures as well as the insurance requirements in each of the countries where those exposures are located. Zurich’s cross-functional team of specialists works closely with you to tailor a broad, multi-line multinational solution to meet your needs. By taking a holistic approach and offering diverse program structures, Zurich will be there for you as your insurance needs and global footprint evolve.
Insurance premium tax and legal requirements vary by country and can change with little warning. Since 2006, Zurich has been recognized for our ability to structure uniform, compliant global insurance programs that help protect your business from potential fines, penalties and reputational damage. In addition, Zurich will administer local insurance premium taxes on behalf of the insured where permitted. Furthermore, when a local regulator requests proof of tax payment, we can provide a detailed out-of-territory tax report showing when and where premium taxes were remitted.
Keeping track of a global program’s local policies, premium payments and servicing can be daunting. As a Zurich Multinational customer, you have access to real-time, global data and on-demand reporting. The My Zurich platform provides 24/7 access to comprehensive risk and financial insights, claims history, payments, and prepopulated insurance certificates for customers and brokers. Zurich also provides a Customer Service Report: a comprehensive summary of performance metrics (e.g., time to invoice, time to receive local payments) and Zurich’s year-over-year performance. This transparency helps risk managers analyze and strengthen their Multinational programs.
In addition to risk transfer, your program structure determines how Risk Engineering services, premium payments and claims handling can legally be managed. Zurich’s specialists know how to structure compliant programs and work with you to determine the best approach for each country — so that, should you have a claim, you receive the support you need. Additionally, we are transparent about what services we are legally allowed to provide in-country based on the program structure.
As you chart new territory, you can count on Zurich’s strong record of global innovation, from introducing Financial Interest Coverage (FInC) to our unique Global Program Support (GPS) system, an industry leading tool for regulatory and premium tax compliance. Since the launch of our International division in 1975, Zurich has been focused on leading the market. We adapt to changing business needs and can help you prepare for whatever comes next in every corner of your world.
Your Zurich Multinational team: We’re here for you
With Zurich backing your multinational insurance program, you have access to proven resources, transparency and ease of doing business to help you manage your risks and get back to business after a loss event.
Zurich's multinational servicing team is dedicated to global programs. They have deep knowledge and are dedicated by line of business to guide you through the complexities of insurance placement and what to expect across the globe. Our proactive engagement is industry leading to both advise and address issues, ensuring continuous improvements year over year or a smooth transition from another carrier.
In the event of a loss, you’ll have a single point of contact to manage the Zurich Claims process. Zurich has industry Claims specialists with technical expertise in local servicing requirements and market conditions, as well as a global network of our Multinational Programs Claims Coordinators to engage if needed.
Zurich Resilience Solutions, our team of over 950 Risk Engineers in 40 countries, with many recruited directly from their industry enhancing their level of expertise. They are supported by leading-edge risk management tools that provide critical guidance, reporting, benchmarking and other real-time insights.
These Zurich offices are staffed by local insurance experts and native speakers who are responsible for local partner selection and management based on strict criteria (e.g., local knowledge, financial stability, competitive position). This ensures global partners adhere to Zurich’s strict standards — and you receive the servicing you need.
Zurich uses centralized technology solutions across all offices and with partners in more than 200 countries and jurisdictions to manage account details and special instructions. With this holistic view of each account, Zurich can create customized reports at the push of a button. Customers and brokers also have 24/7 access to My Zurich portal which offers ability to create claims loss runs or certificates of insurance, policy status, premium and claims payments, and much more. GPS offers comprehensive tax and regulatory information. (see Customer and Broker Resources below).
Customer and Broker Resources
My Zurich: Our customers and brokers have 24/7 access to valuable risk and financial insights for their Zurich portfolio, including claims history (loss runs), payments, risk assessment data, natural catastrophe (CAT) information and risk scenarios. My Zurich also features each account’s claims status, risk improvement actions, insurance premium tax and regulatory details, and captive and reinsurance documents. And, with a focus on continuous improvement and innovation, such as the ability to track and customize pre-populated certificates of insurance, we are helping customers and brokers achieve proof of insurance more timely than ever.
Global Program Support (GPS): GPS includes a “guided experience” that can assist with program structuring. One of the industry's most comprehensive tax and regulatory information tools, GPS has a database of insurance requirements that apply in countries around the world, compiled from over 140 independent external legal and tax professionals and updated regularly. GPS is accessed via the My Zurich portal for customers and brokers.
Zurich Risk Room: With data for more than 170 countries, Zurich’s proprietary country risk analysis and visualization tool helps companies cut through the complexity of ever-changing risk environments and make better-informed risk management and strategic decisions. Zurich Risk Room is accessed via the My Zurich portal for customers.
Exporter Solutions digital platform: An award-winning2, convenient platform that allows Zurich-appointed distributors to browse a growing library of SIC codes to get a quote, view the proposal and bind a single or multi-year policy in about 15 minutes.
Virtual Risk Engineering services: Zurich’s award-winning Remote Collaboration tool enables you to communicate directly with one of our Risk Engineers, who can conduct virtual visits of your locations around the world.
1. Zurich Risk Advisor: Business Insurance Innovation Awards 2020
2. Exporter Solutions digital platform: Business Insurance Underwriting Team of the Year 2023