Real estate insurance solutions

The risks of your commercial real estate business are unique and changing. Get more control of risk with flexible solutions. Zurich specialists can tailor an insurance approach to your business.

Learn more about property insurance, casualty insurance, specialty coverages and challenging exposures.

Why Zurich?

Zurich offers flexibility that goes beyond traditional coverage, and unparalleled customer service. In a recent Zurich Claims Customer Satisfaction Study, we received high ratings in both how quickly we acted when the claim was first reported (96%) and the professionalism of the adjustor (96%).

building with construction elevator

Real estate insurance solutions

Property insurance

Zurich’s property insurance options help guard against the risks of your commercial real estate business by allowing you to expand your coverage beyond the traditional limits. Options include:

  • Zurich’s Property Portfolio Protection (Zurich PPP) insurance policy features a modular format that can be easily customized to address the needs of small to mid-sized businesses
  • The Zurich Edge® policy is designed to help meet the needs specifically faced by large and multinational businesses, or any sized company that has global exposures, providing a high degree of flexibility in options

Casualty insurance

Zurich’s casualty coverages are tailored for the risks faced by commercial real estate owners, lessors or property managers. Casualty insurance options include:

  • General liability offers 25 supplemental coverage endorsements including automatic additional insured, broadened liability for personal and advertising injury, and increased medical payments.

  • Umbrella liability combines A/B coverage with casualty business crisis expense (Coverage C) up to $250,000 to help reduce the gaps in insurance protection and mitigate reputational risks.

  • Worker’s compensation provides coverage in all non-monopolistic jurisdictions and, through our Stop Gap coverage and global capabilities, service no matter where your employees are located.

  • Commercial auto offers a proprietary coverage extension endorsement that features the 20 extensions that customers most often request, in addition to standard physical liability and physical damage coverages.

Specialty coverages

Your commercial real estate business faces unique exposures. Zurich provides a broad range of specialty coverages to ensure the most effective solution can be customized for your business. Specialty coverages include:

  • Environmental liability covers crisis management reimbursement for public relations expenses in response to a pollution event, green remediation related to cleanup of a covered pollution event and repair/replacement of property damaged during pollution cleanup to comply with green standards. Policyholders get complimentary access to Zurich's Environmental Emergency Response (ZEER) to connect with professionals in environmental emergency response and remediation.

  • Directors & Officers (D&O) coverage provides integrated employment practices liability (EPL) and fiduciary liability for privately held companies and integrated D&O and errors and omissions (E&O) insurance for publicly traded companies. Zurich also offers EPL loss control services, retired independent directors and environmental mismanagement.

  • Errors and omissions insurance offers coverage designed for property managers and investment managers. Real estate exposures are provided through custom tailored endorsements including real estate agents/brokers, property managers, title agents and home inspectors.

  • Security and privacy protection insurance policy offers first and third-party coverage to respond to many types of losses associated with security and privacy risks. It also includes access to eRisk Hub®*, a valuable resource that can help you prepare for, and respond to, a data breach.

*NetDiligence, Inc. is not a subsidiary or affiliate of Zurich and use of their products and services are independent of, and not included within, Zurich’s products or services. Zurich expressly disclaims any and all damages and other costs that may arise related to the use of or reliance upon the products, services, representations or warranties made by or on behalf of NetDiligence, Inc..

Challenging exposures

Addressing challenging exposures — such as flood zones, high-wind areas, earthquake regions and occupancy rates — can help your commercial real estate company reduce impact to your balance sheet. Let Zurich guide you through the right level of coverage for your businesses’ unique risks including:

  • Risks specific to the hospitality industry and market
  • Habitational buildings
  • Dangers and risks of real estate and builder’s insurance in CAT zones
  • Vacant property risks
  • eBusiness outages
  • Environmental issues