Ideal Accounts and Appetite
This program is well-suited for brokers seeking to place challenging property accounts. Zurich has a strong appetite for a variety of property types, including:
- Vacant buildings and land
- Retail operations and strip malls
- Shopping centers and commercial condos
- Light industrial and warehousing facilities
- Medical offices and assisted living facilities
- Churches and other institutional properties
- Lessors Risk and Excess Habitational exposures
- Distribution and wholesale operations
Whether you're working with a property manager with large vacant retail space, or a client with a portfolio of aging assisted living buildings, Zurich’s underwriting team can help craft tailored solutions.
Coverage Highlights and Advantages
- ISO-based property coverages, forms, and extensions
- Up to $15 million in primary capacity and $25 million excess authority
- No Total Insured Value (TIV) restrictions
- Minimum premium of $10,000
- Access to Zurich’s experienced E&S property underwriting team
- Supported by Zurich’s nationwide property claims professionals
- Non-admitted paper provides greater underwriting flexibility
The program is ideal for insureds who need property coverage but don’t meet admitted market criteria due to location, occupancy, claims history, or unique exposures.
Underwriting Notes and Minimum Premiums
Zurich’s E&S underwriting team brings deep expertise in evaluating complex risks and crafting coverage for non-standard properties. The minimum premium starts at $10,000, and underwriting decisions are guided by risk quality, property condition, and occupancy. Agents should be prepared to provide detailed submissions to help facilitate efficient underwriting decisions.
Territories and Availability
This program is available in most U.S. states, excluding Florida, Kansas, Oklahoma, and Texas. Coverage is offered on a non-admitted basis through individual member companies of Zurich North America, including Zurich American Insurance Company.
Why Work With Zurich North America
Zurich North America is a trusted name in the insurance industry, known for its strength, stability, and specialized E&S property expertise. With this program, brokers gain access to a top-tier underwriting team and a flexible coverage solution that can accommodate a variety of challenging property risks. If you're looking for a reliable partner to help place hard-to-place commercial property accounts, Zurich’s E&S Property Program delivers the tools and support you need.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for vacant buildings, retail spaces, strip malls, warehousing, light industrial properties, and other non-standard commercial risks.
Is this coverage available on an admitted basis?
No, the Excess and Surplus Property Program is offered on a non-admitted basis through Zurich North America member companies.
What is the minimum premium for this program?
The minimum premium starts at $10,000, depending on the risk characteristics and underwriting review.
Are there any state restrictions for this program?
Yes, coverage is not available in Florida, Kansas, Oklahoma, or Texas. It is available in all other U.S. states and the District of Columbia.
Who underwrites this program?
The program is underwritten by Zurich North America's E&S Property team, with coverage provided by member companies such as Zurich American Insurance Company.
Need help placing an account? Connect with a market specialist.