Real estate business solutions

Risks associated with commercial real estate vary greatly across the industry — from hotels and REITs to office and retail spaces. Customize an insurance solution specifically for your business and the unique risks it faces. Zurich offers a broad range of products designed to support one another to create integrated and tailored insurance solutions.

Why Zurich?

Zurich offers a deep understanding of the commercial real estate industry and a dedicated team of specialists with real estate management experience. Our specialists understand the risks your business faces, whether new or emerging. This insight, combined with our broad range of insurance offerings, helps Zurich create innovative solutions customized to your specific business needs.

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Real estate business solutions


Zurich offers hotel companies the risk guidance of property and casualty risk engineers with a dedicated real estate focus. This team of experienced professionals helps manage the potential risks of growing hotel companies such as:

  • Cyber liability: As the technology becomes more complex and sophisticated in hotels, Zurich’s security and privacy insurance protection helps address issues such as protection of customer data and payment card information.
  • Slips, trips and falls: This is a serious and costly issue for both workers and guests on a hotel property. Having the proper workplace control measures in place can reduce the frequency of incidents and level of financial losses. And Zurich’s workers’ compensation services can help get employees back on the job quickly and safely.
  • Water damage: Whether the cause is a storm or negligence by an employee or guest, water can create some of the most costly damages for a hotel property. Zurich’s water damage protection program assists hotels in determining the proper engineering controls and emergency procedures to help reduce the likelihood of a more severe incident of an intensive water intrusion.
  • Specialized property: Each hotel property has its own unique set of risks, which is why Zurich’s proprietary Property Portfolio Protection (P3) provides for flexible coverage options, including no vacancy provision. For global companies and large franchises, the Zurich Edge® is designed to meet the specific needs of over 120 countries and territories.

Real estate investment trusts (REIT)

The strengthening economy and increased demand for high-quality real estate is driving growth for REITs both domestically and abroad. Zurich understands the risks an investment trust faces, and is experienced across all the diverse sectors a REIT may invest in, including industrial, healthcare, retail, office, hotel and resort.

Our REITs operate in all sectors and regions, and have the specialized guidance and resources available to manage property and financial risks in order to expand business plan and meet goals. Zurich offers:

  • Deep understanding of D&O risks: Zurich provides REITs the benefit of corporate D&O coverage that is responsive to today’s REIT risk environment.
  • Geographically diverse coverage property: REITs have their own unique location requirements, whether in a single metropolitan area, a region, the U.S. or anywhere in the globe. Zurich’s Property Portfolio Protection (P3) provides for flexible coverage options, including no vacancy provision. For global companies, the Zurich Edge® is designed to meet their specific needs in each country it operates.
  • Coverage breadth and capacity: REITs require certain insurance protection and Zurich offers the ease of a single point of contact and a broad range of coverages. Zurich offers significant capacity including single location limits of $400 million. 

Office, retail and industrial

Owners of multiple types of properties — retail, industrial and office — operate in a complex market environment. Juggling different risk issues among the multiple asset classes can be challenging. Zurich’s experienced team of real estate risk professionals help multiple asset class owners navigate their disparate risk needs through:

  • Customized coverage options: Zurich offers the ability to customize coverage to match each specific commercial real estate exposures. Our Property Portfolio Protection (P3) features a modular format, and goes beyond traditional property coverage to offer many additional options including contingent real property coverage, tenant relocation coverage, and even a Better Green™ property endorsement to help offset green upgrade costs

  • Single form: Zurich’s P3 form is flexible enough to handle various solutions needed, no matter how large the number of assets or how diverse the needs

  • Efficient claims service: Zurich’s dedicated real estate claims professionals offer expertise in premise operations exposures. Our claims team is spread throughout the U.S. in key geographical locations to provide quick claims reporting and resolution

International exposures

Zurich’s international platform has solutions for real estate customers operating domestically and with locations abroad. Our package policy program, Zurich Envoy®, offers expanded coverages including property, general liability and business travel accident. These solutions help companies with global exposures to manage extensive and complicated risks. 

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