Search CompleteMarkets

...all-to-mid-size full-service and boutique properties Extended-stay and econo...operties, and small full-service or boutique inns. It works best for single-lo...

...all roadside motel or a mid-size boutique hotel, our program provides tailored...is program?Independent and franchise hotels, motels, extended-stay properties,...

...ed Umbrella Insurance Program for Hotels and Motels Overview — Hotel & Motel ...la program?Independent and franchise hotels or motels with standard on-site am...

... you represent a single-location boutique hotel or a multi-state resort group,...is program?This program is ideal for hotels, resorts, spas, restaurants, casin...

...s. Whether you're working with a boutique skincare line or a global cosmetics ...

...d occasional acoustic music or a boutique bistro with a prominent sommelier pr...

Zurich North America’s Excess and Surplus Property Insurance Program offers brokers and agents a flexible solution for hard-to-place or non-standard property risks. This non-admitted program provides broad ISO property coverage and extensions tailored to a wide range of commercial property classes. Designed for businesses that fall outside traditional underwriting guidelines, it is available nationwide—excluding Florida, Kansas, Oklahoma, and Texas. 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.

Zurich North America’s Lawyers Professional Liability Program delivers tailored malpractice protection designed for a wide range of law practices — from part-time or moonlighting attorneys and solos to mid-sized firms with up to 100 lawyers. Underwritten with nearly 30 years of experience in Lawyers Professional Liability (LPL), Zurich combines deep underwriting expertise, claims handling by former practitioners, and risk management support to help protect legal professionals against malpractice, disciplinary actions, and related exposures. Limits are available up to $5 million per claim and aggregate, with flexible deductible and limit options. Ideal Accounts and Appetite This program works well for agents placing accounts such as: Solo practitioners and small law firms Part-time attorneys working 26 hours per week or less Moonlighting attorneys who maintain full-time employment outside private practice Mid-sized firms up to 100 attorneys across common practice areas Commonly accepted areas include general civil litigation, real estate, family law, criminal defense, and estate planning. High-risk or specialty practices typically ineligible include: Patent law Tax-shelter related work Investment counseling Class action litigation Example placements you might write with this program: a solo estate-planning attorney seeking retired-lawyer extended reporting protection, or a part-time municipal prosecutor who needs affordable E&O limits while maintaining primary employment elsewhere. Coverage Highlights and Advantages Zurich’s LPL program offers broad, practice-focused protection to address the professional exposures lawyers face: Professional liability / Errors & Omissions coverage for alleged malpractice Disciplinary proceedings coverage up to $50,000 Supplemental payments — $1,000 per day for attendance at trials, hearings, or depositions, up to $50,000 Pre-claim subpoena assistance (subpoena support) Third-party cyber coverage for security and privacy wrongful acts for eligible risks Additional program benefits include unlimited free extended reporting period for qualifying retiring attorneys, worldwide coverage for acts committed anywhere, coverage for former attorneys and staff for work performed on behalf of the firm, a broad definition of legal services, new attorney discounts and innocent insured protections, and access to a risk management hotline and online resources. Claims are handled by experienced Zurich attorneys who understand legal practice nuances. Underwriting Notes and Minimum Premiums Zurich offers a range of limits and deductible structures to meet different firm needs. The program is particularly cost-competitive for part-time and moonlighting attorneys through reduced pricing options. Minimum premium specifics are not listed here; contact Zurich or your market specialist for state-specific minimums and appetite exceptions. Territories and Availability This Lawyers Professional Liability program is available on an admitted basis in most states, including AL, AZ, CA, CO, CT, FL, GA, HI, IL, KS, KY, MA, MD, ME, MI, NC, NH, NJ, NM, NV, NY, OH, PA, RI, SC, TN, TX, VA, VT, WA, and DC. Coverage is underwritten through individual member companies of Zurich North America, such as Zurich American Insurance Company. Why Work With Zurich North America Zurich brings nearly three decades of dedicated LPL underwriting and claims experience. For agents and brokers this program offers: Deep underwriting knowledge and flexible terms for small to mid-sized firms Claims handled by former practicing attorneys familiar with legal practice risks Competitive options for non-traditional practitioners (part-time and moonlighting attorneys) Comprehensive coverage features—disciplinary defense, subpoena assistance, and cyber protection where eligible Risk management resources to help reduce exposures before they become claims If you need assistance placing an account or confirming state availability and pricing, use the Connect with a market specialist link on this page to get direct support from Zurich’s placement team. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for solo practitioners, small to mid-sized law firms (up to 100 attorneys), part-time and moonlighting attorneys, and firms engaged in common legal practice areas such as real estate, family law, civil litigation, criminal defense, and estate planning. Are there any practice areas that are not eligible?Yes. Practices involved in patent law, tax-shelter work, investment counseling, and class action litigation are generally not eligible under this program. Is this program available in all states?The program is available on an admitted basis in most states listed above (including CA, FL, NY, TX, IL). Availability can vary by state and firm size—contact a market specialist for state-specific details. What benefits are available for retiring attorneys?Qualifying retiring solo attorneys may receive a free unlimited extended reporting period, helping preserve protection for prior acts after they leave active practice. Who handles claims for this program?Claims are managed by Zurich attorneys, many of whom are former practicing lawyers, providing claims handling with an understanding of legal practice and professional exposures. Need help placing an account? Connect with a market specialist.