commercial markets - zurichna.com

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About Zurich

Sales and Distribution

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ontacts and Resources

Commercial Markets

Construction overview As one of the leading insurers in the construction industry, Zurich delivers product and

service solutions that help our customers reduce injuries, minimize their total cost of risk

and become better managers of construction risk.

Appetite Most preferred

• Commercial general contractors

• Commercial trade contractors

• Contractors with international exposures

• Design professionals

• Environmental contractors and consultants

• Owners or sponsors of construction projects

Least preferred

• Demolition contractors

• Geotechnical professionals

• Hazardous haulers

• Real estate developers

• Residential trade contractors

Product breadth • Casualty

– Commercial auto

– Commercial general liability

– Commercial excess umbrella

– Consolidated Insurance Program (CIP)

– Workers’ compensation

• Property

– Builder’s risk

– Build Transfer Operate (BTO)

– Civil works

– Contractors equipment

– Property and inland marine

– Property Portfolio Protection (P3)

• Specialty Lines

– Accident and health

– Architects & engineers (A&E)

professional liability

– Contractor’s pollution liability

– Contractor’s Protective Professional

Indemnity (CPPI®)

– Environmental services package

– Owner’s Protective Professional

Indemnity (OPPI)

– Professional environmental

consultant’s liability

– Subguard®

– Supply chain

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Middle Market Commercial Construction Appetite (Growth Target)

• Trade Contractors with revenue less than $35M

• General Contractors revenue less than $100M

Target growth

• Carpentry

• Concrete

• Electrical

• Excavation

• Floor work

• General contractor commercial

• General contractor industrial

• Heavy construction

• Highway and street

• Painting

• Special trade

• Water, sewer and utility

Selective growth

• Bridge and tunnel

• Building equipment installation

• Drywall

• Glass and glazing

• Plumbing

• Roofing

• Terrazzo and tile

Limited growth

• Demolition

• Masonry

• Structural steel

• Water well drilling

• Fire resistive

• Low crime areas

• Monitored alarms

• New construction to 15 years old

• Public protection class 1-5

• Sprinklered

Work comp:

• Management and leadership commitment

• Hazard identification and risk assessment

• Employee selection, orientation and training

• Substance abuse prevention

• Fall management

• Slip, trip and fall prevention

• Soft tissue injury prevention

• Fleet management

• Return-to-work/ Absence management

• Accident/incident investigation

General liability:

• Quality management

• Subcontractor/vendor pre-qualification

• Contract review

• Third-party exposures: injury and traffic

Auto:

• Driver qualification

• Driver development, training and supervision

• Vehicle selection, repair and maintenance

• Trade contractors with revenue less than $35M • General contractors revenue less than $100M

Preferred casualty characteristics

Preferred property characteristics

Most preferred Least preferred

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Environmental contractors

Environmental contractors overview Zurich’s environmental contractor practice is dedicated to providing innovative solutions

to reduce costs, manage risk and provide superior coverage. Our extensive product set,

services and global capabilities address all the exposures to help your company mitigate

risks, save lives and reduce total cost.

Appetite Most preferred

• Asbestos, lead and mold abatement contractors

• Commercial general contractors

• Commercial trade contractors

• Environmental consulting or engineering

• Environmental impact statements

• Environmental project management

• Environmental testing laboratories

• Hazardous material handling and clean up

• Industrial cleaning

• Lab packing

• Owners or sponsors of construction projects

• Remedial design

• Soil and ground water remediation

• Waste handling/management

Coverage features and policy benefitsContractor’s pollution liability

• Blanket non-owned disposal locations

• Diminution in property value

• Fungus/ Legionella

• Policies are available on a practice or project-specific basis

• Restoration costs

• Transportation of materials

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Professional environmental consultant’s liability

• Combines professional and CPL coverages

• Punitive damages, fines, penalties or treble damages included where insurable by law

• Restoration costs

• Waste brokering

Environmental services package policy

• Combines general liability with contractor’s pollution liability and professional liability

• Contractor’s pollution liability (CPL) provides coverage on an occurrence basis

• ISO-based general liability coverage

Casualty: (ISO form)

• Full range of workers’ comp programs from guaranteed cost to retrospective rate and

large/medium deductible

Excess/Umbrella

• Lead and excess umbrella up to 25M

Property coverages Claims excellence

• Our customers consistently rank Zurich’s claims handing high on fairness and

response time

Risk engineering

• Zurich Environmental Emergency Response (ZEER)

• Assistance with coordination of clean-up activities from the initial response through

release closure

• Coordination and filing of reports with regulatory authorities

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Key contacts for environmental contractorsSteve Goebner – Vice President Environmental Contractors Segment Leader [email protected](610) 727-5634

Tucker McNulty – East [email protected](617) 570-8910

Deana Greenough – South [email protected](404) 851-3553

Dean Prince – Midwest [email protected](312) 496-9413

Wendy Nystrom – West [email protected](213) 270-0733

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Consultative construction services available to qualified customersOur Construction Risk Engineers are dedicated to understanding the operational needs unique to the construction industry. We offer a variety of risk management programs specifically designed to address the leading exposures inherent to construction.

Our value to customers • With a consistent market presence of 20 years, Zurich’s North America Construction

group has more than 1,000 professionals who work collaboratively with our customers to deliver risk management solutions1

• Leadership and influence through active participation in industry associations such as American Subcontractors Association (ASA), Associated Builders and Contractors (ABC), Associated General Contractors of America (AGC), Construction Financial Management Association (CFMA) Construction Industry Institute (CII), Construction Users Roundtable (CURT), Design-Build Institute of America (DBIA)

• The only insurance carrier to collaborate with the Associated General Contractors of America (AGC) to develop programs designed to address industry leading issues such as Soft Tissue Injury Prevention and Highway Worker Safety2

• National Construction Roundtable (NCR) brings together safety and risk management professionals to share best practices and propose solutions for industry-wide issues

• Only insurance carrier invited for membership in the Construction Industry Institute (CII) and Construction Users Roundtable (CURT) and to have a strategic alliance with FMI, a leading construction management consulting firm

• Customized solutions designed to fit the unique risk appetite and coverage needs of the construction customer including consultative Risk Engineering services

1 Information as of January 2013

2 Inception of AGC programs; Soft Tissue Injury Prevention Program -- 1/1/2005, Highway Worker Safety Program -- 1/1/2009

Contact

Scott Rasor

Head of Construction Industry Practice

(847) 605-1491

[email protected]

zurichna.com/construction

• Absence, health and productivity services/return-to-work

• Accident scene investigation

• Construction risk assessment review

• Fleet management

• Highway work zone safety

• Quality management

• Slip, trip and fall prevention

• Soft tissue injury prevention

• Substance abuse prevention

• Subcontractor selection and pre-qualification

• Supply chain risk assessment and insurance

• Total Risk Profiling (TRP)

• Zero injury techniques

• Zurich X-ray

• Zurich Hazard Analysis (ZHA)

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Financial institutions overview (growth target)

Zurich’s financial institution products, services and dedicated team expertise can help

financial institutions prosper in a more regulated, competitive and risk-filled world. With

over 100 years of experience insuring U.S. financial institutions, we can help them preserve

capital, protect collateral property and address highly specialized risks.

Appetite

Most preferred

Product breadth

All lines approach (financial lines and P&C lines)

• Banks

• Depository institutions

• Savings and loan

• Credit unions (All line approach >

$500 million in assets -P&C > $100 million in assets)

• Insurance companies

• Real Estate Investment Trust (REIT)

• Trust companies’ property

• Investment advisors

P&C lines approach

• Insurance agents/brokers

• Investment bankers/dealers

• Stock brokers

• CPA’s

• Mortgage banks

• Loan servicers

• Accident and health

• Directors & Officers

• Employment practices liability

• Fiduciary liability

• Financial institution bond

• Lender environmental

collateral protection

• Lenders property reporting policy

(Lender placed property & REO P&C)

• Management liability – (excluding

accountants, finance companies,

investment bankers/dealers, stock

brokers, mortgage banks, loan servicers,

insurance agents/brokers)

• Agents E&O

• D&O Side A Coverage

• Errors and omissions insurance

(bankers professional liability)

• Insurance company professional liability

• Investment adviser & mutual fund

D&O/E&O

• Lenders liability insurance

• Multinational insurance programs

• Property and casualty:

Property, General liability, workers’

compensation, auto, umbrella

• Lender protection policies

– Force-place & REO

– Mortgage protection policy

• Security and privacy

• Trust property protection

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Mark A. DeLawterFinancial Institutions Practice Leader(704) [email protected]

Value-added services available to qualified customers

• Zurich’s online Lenders Property Reporting tool helps lending institutions quickly

and easily manage insurance coverage on foreclosed properties and lender-placed

insurance properties

• The Enterprise Risk Management (ERM) Online Healthcheck Assessment, supported by

a complimentary consultation, is designed to help financial institutions address their risks

and opportunities

• Total Risk Profiling (TRP) to provide customers with a holistic view of all of their business

risks and risk interconnections

• Online risk management tools help identify and assess property and casualty losses, as

well as security and privacy risks

• An EPL Hotline offers legal advice on employment practices issues

• In-depth, educational risk management and prevention guides are available for D&O,

Employment Practices Liability and ERISA Fiduciary Liability

Our value to customers

• We provide a full set of property, casualty and specialty insurance solutions to help

financial institutions navigate the risks they face today

• Zurich has been underwriting financial institutions for over 100 years

• We are one the largest insurers of property trusts, a key need for financial institutions

• Zurich has more than 100 financial institutions underwriters, claims and risk

management professionals with a focus on the financial institutions marketplace

• Our in-house financial institutions claim specialists are licensed attor neys with an

average of 15 years of experience

Contacts for P&C lines Contact for financial lines

Christopher A. TaylorHead of Financial Institutions Practice(410) 559-8800 (office) (410) 409-4396 (cell)[email protected]

Keith BeachSVP, Diversified Financial Group(312) 496-9586 office(847) 687-5020 [email protected]

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Healthcare overview (growth target)

The Zurich Healthcare Practice Group understands the emerging risks and challenges of

today’s evolving healthcare industry. We offer numerous products and services to help

healthcare organizations manage and minimize their risks, so they can focus on what

matters most – their patients.

Appetite

Preferred industries

• Academic medical centers

• Ambulatory surgery centers

• Children’s hospitals

• General/acute hospitals

• International healthcare facilities

• Large physician groups (employed by or affiliated with insured hospitals)

• Multi-hospital systems

• Out-patient facilities

• Rehabilitation hospitals

• Senior housing facilities (for most products)

• Specialty hospitals

Product breadth

• Additional solutions – Products to address the unique risks of medical facilities, including:

– Accident and health, such as accidental death and dismemberment and

medical stop loss

– Environmental

– Security and privacy

– Surety

• Casualty – Excess and loss sensitive workers’ compensation programs and automobile

coverage, including private passenger, patient transport and ambulance

• Construction – Offers customized insurance programs to help meet the needs of major

construction project owners from initial planning and design through operation and

maintenance, including casualty, property/builder’s risk and other specialty coverages

• Healthcare professional liability – Offers abusive acts coverage, crisis management,

subpoena response assistance, good Samaritan acts and more

• International – Helps reduce the risk of coverage gaps and overlaps by using the same

base wording as our domestic forms. This is applicable for virtually all lines of coverage

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• Management liability – Not-for-profit hospital reimbursement endorsement covers infant

event, EMTALA fines and penalties, HIPAA fines and penalties and credentialing claim

coverage

• Property – Multiple proprietary property policies offer greater flexibility and coverages,

including decontamination expense, patient evacuation, communicable disease

suspension of operations and more

• Security and privacy liability – Provides coverages for notification expenses and regulatory

proceedings defense costs, plus access to vendors and services like eRisk Hub® from

NetDiligence1, which is an online portal for cyber risk resources to help customers reduce

the chance of a data breach and recover from attacks or data breaches

The Zurich Edge® – Healthcare

• Healthcare-specific coverages to better tailor Zurich’s leading-edge property form to

the needs of the healthcare industry

• Communicable disease coverage without physical damage

• Cost of removal and return of patients due to impending damage

• “New for old” valuation for life support equipment and medical monitors

• Mobile Medical Equipment coverage now with Time Element coverage


• Absence management and return-to-work programs

• A water and liquid damage prevention program

• Assessments of risk management programs and high-risk clinical department operations

• Education programs

• Enterprise Risk Management (ERM) consultations

• Environment-of-care focused property assessments

• Slip, trip and fall evaluations

• And many more to help customers effectively manage their property, professional,

general liability, construction, machinery breakdown and fleet risks

• Supply chain assessment and mapping

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• Zurich offers a dedicated healthcare practice with specialized underwriters across

healthcare professional liability, property and casualty, plus dedicated in-house claims

and risk management professionals averaging more than 15 years of experience

• Zurich has been providing healthcare professional liability coverage for over 20 years

• Our experienced Healthcare Risk Engineering team helps clients reach their

Joint Commission objectives including Environment of Care. They routinely

conduct focused risk assessments of specific clinical areas, evaluate policies and

procedures, benchmark best practices and provide yearly seminars to help our

customers reduce exposures

• Many of our 34 healthcare trained Risk Engineering professionals have direct clinical,

facility engineering or corporate safety experience

• In 2011 alone, Risk Engineering completed over 5,000 assessments and consulting

projects within the Healthcare Industry that addressed challenges such as specific

clinical areas, policies and procedures and best practices deployment to name a few

1 NetDiligence is not a subsidiary or affiliate of Zurich and use of their products and services are independent of, and not included within, the Zurich Security and Privacy Protection policy or any other Zurich product or service. 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 this vendor.

ContactMichael Halvey (Interim)Head of Healthcare Practice(847) [email protected]

Patrick MoylanHospital Professional Liability(212) [email protected]

Cecil MaxwellHead of Healthcare Casualty(212) [email protected]

Annette Konieczka Head of Healthcare Property (214) 866-1335 [email protected]

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International (middle market) overview

Zurich offers International products and services to U.S. commercial customers with export

sales, foreign locations and/or whose employees travel overseas. Our customers range from

businesses with exposures in one foreign country to those whose activities span the globe.

Appetite

• Large and multinational corporations

• Mid-size business

Industry focus

Zurich Envoy® for middle market customers

• Zurich Envoy® is a package program especially designed to help middle market

businesses move confidently into international markets

• Envoy’s new Controlled Master Program (CMP) policy form pairs differences in

conditions (DIC) and differences in limits (DIL) forms with local policies where required to

provide consistent standards of protection and service wherever business is conducted

• The international form helps to reduce the risk of both overlaps and gaps in coverage.

It mirrors our domestic U.S. forms, making it easy for customers to understand exactly

what is covered

• Zurich Envoy® includes:

– Property/business interruption

– Security evacuation expense coverage/crisis event management

– Incidental cargo

– General/products liability

– Employee benefits liability

– Excess auto/motor

– Foreign voluntary workers’ compensation/employer’s liability

– Business travel accident

– Industry specific endorsement (e.g. Technology)

• Local primary auto can be coordinated with Zurich upon request

• An exporters package policy (EXPAK) for limited exposures, such as no physical locations

overseas, is also available

• Construction

• Energy

• Environmental

• Technology

• Real estate

• Manufacturing

• Financial institutions

• Business services

• Healthcare

• Wholesale and retail

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Product breadth


• Environmental impairment/Pollution liability

• Professional indemnity

• Property/Casualty:

– General liability

– Auto liability/International motor

– Foreign voluntary workers’ compensation/employers’ liability

– AD&D/Travel assistance

In addition, Zurich offers more than 30 other coverages to help meet our customers’

international needs. Product offerings include Directors & Officers, environmental,

employment practices liability, professional indemnity, political risk, trade credit, supply

chain assessment and insurance, marine cargo and surety, to list a few.


• A single master policy supported by locally issued policies

• A leading global network of underwriting, risk engineering and claims professionals who

deliver the services you need everywhere you need them

• A leading-edge, global data network that connects all Zurich operations worldwide

and promotes consistent, efficient service

*This is intended as a general description of certain types of insurance and services available to qualified customersthrough World Travel Protection Canada Inc. WTP operates as a third party travel insurance administrator forCanadian life insurance companies and banks, and is expanding its travel assist capabilities internationally.

Contact

Roslyn Galbo

Head of International (Middle Markets)

o: (847) 330-4783

[email protected]

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Manufacturing overview (growth target)

Zurich understands that manufacturing is about inputs, outputs and processes. Our

world-wide solutions and expertise combined with our product breadth will help you focus

on what you do best to manage those inputs, outputs and processes. With our practical

risk engineering solutions, responsive claims handling and absence management program

we can offer solutions to help you protect your people, assets, products and processes.

Manufacturing focus defined

Product breadth


• Core property & casualty

– Property Portfolio Protection

(P3 and EDGE)

– Workers’ compensation

– Commercial excess umbrella

• Environmental – Z Choice®

• International

– Core property & casualty

(Property, GL & auto)

– Crime

– Foreign voluntary workers

compensation/employer’s liability

• Management liability

– Crime

– Directors & Officers (D&O)

– Employment practice liability (EPL)

– Fiduciary

Most preferred

• Machinery and

equipment

• Metals (including forging,

stamping, fabrication)

• Rubber & plastics

• Electronic/Electrical/

Computers (including

instruments and tools)

Evolving focus

• Food (dried or prepared)

• Auto parts MFG

Least preferred

• Fresh food (meat, poultry,

dairy, vegetables)

• Mills - lumber, wood,

paper or textile

• Stone, clay and concrete

• Metal foundries

– Commercial general liability

– Manufacturer’s errors and omissions (E&O)

– Product withdrawal expense

– Marine & cargo

– Political risk insurance

– Supply chain risk assessment and insurance

– Trade credit insurance

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• Global supply chain risk analysis

• Zurich Hazard Analysis

• Enterprise Risk Management (ERM) solutions and services to help manufacturers

proactively address risks and opportunities

• Business resiliency to help manufacturers identify and correct hazards to continuing

business when a loss occurs



• Custom levels of risk mitigation integration from online E-Services to full

in-person programs

• Over 60 loss control professionals to collaborate with customers on:

– Workplace safety – material handling, sprains and strains; slips, trips and falls;

ergonomics, PPE assessments

– Specialty risk services – dedicated service teams for supply chain, product liability,

injury prevention, six sigma and food processing

Contact

Cindy Slubowski

Head of Manufacturing

o: (847) 706-2585

c: (847) 373-9175

[email protected]

zurichna.com/manufacturing

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Property (middle market) overview

Zurich’s commercial property practice is built from an industry-focused perspective.

Whether your client is in real estate, healthcare or manufacturing, Zurich’s professionals

have the industry knowledge to help you develop the right program.

AppetiteP3 Capacity: $400M/location

Account TIV: Up to $1B

Critical CAT capacity is available

Most preferred Least preferred

Construction • Fire resistive • Frame

• New construction to 15 years old • Over 60 years old

Protection • Sprinklered, designed for use • Non-Sprinklered

• Adequately controlled • Public protection class 8-10

• Public protection class 1-5

Exposure • Monitored alarms • No alarms

• Owned free-standing building • Adjacent to hazardous

• Low crime area structure

• Located in high crime area

Middle markets package appetite

Most preferred Moderate preference Least preferred

Construction • Contractors

Financial • Mid-Sized banks

Institutions • Insurance companies,

agents, brokers and services

• Mid-Sized credit unions

• Depository and

non-depository institutions

• Security and commodity brokers

• Holding and other

investment offices

General • Higher education

Industries • Retail operations

Healthcare • Hospitals • Laboratories • Accountable care

• Behavioral health • Senior care facilities organizations (ACO’s)

facilities • Home health

• Ambulatory

surgery centers

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Most preferred Moderate preference Least preferred

Hospitality • Private and semi- • Tribal casinos • Public golf courses

private golf courses and racinos • Motels

• Business hotels • Fast food restaurants

• Chain restaurants

• Commercial casinos

Manufacturing • Metal stamping • Apparel, leather, wood • Chemicals, food

and fabrication • Printers, plastics and • Pulp and paper

• Commercial machinery rubber • Primary metals, textile mills

• Finished metal • Furniture and fixtures

products

Real Estate • Office • Retail lessors risk only

• Industrial

• Condominiums

and apartments

Technology • Software firms • Chip fabrication • Printed circuit board

• Hardware firms • Manufacturing

• Data processing and

co-location centers

• Circuit board assembly

Product breadth

Property solutions for mid-sized businesses

Property Portfolio Protection (P3) features:

• Broad definition of real property − Includes foundations, concrete surfaces, retaining

walls, and improvements and betterments of the tenant resulting in broader coverage

at full limits

• Ordinance or law − Replacement cost coverage automatically included with

no sublimit, alleviating worry about the impacts of frequently changing laws

• Equipment breakdown − Automatically built into form, resulting in seamless coverage and

lower administrative costs for the insured

• Original information property − Coverage goes beyond covering valuable papers in today’s

digital world, resulting in reduced coverage gaps

• No vacancy clause − No reductions in coverage based on reduced occupancy at time of loss

• Water and sewer backup − Coverage is expanded through a narrow definition for flood

• No coinsurance clause − Regardless of size of loss, insured’s contribution is known in advance

• Supply chain risk assessment and mapping − Services designed to help customers develop a

clearer picture of their potential for financial loss due to interruptions of critical supply chains

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We understand that customers’ insurance needs are unique, and we try to deliver tailored

solutions to align with our industries of focus.

Industry Select P3 coverage features

Construction • Contractors’ equipment − Solutions for contractors’ equipment

that is owned, non-owned or leased/rented, including boom/jib,

waterborne and expediting coverage

• Installation property − Coverage for insured property that is to

be installed by the contractor, extending to the project location,

temporary location and in transit

• Riggers’ liability − Specialized coverage for contractors who

perform hoisting, rigging, millwright work, etc., with property

of others in their care, custody or control

Financial Institutions • Original information property – Having coverage that extends

beyond valuable papers is important for an institution handling

the money and securities of others

• Newly acquired premises − Automatically extends coverage to

newly acquired premises, reducing potential for coverage gaps

• No vacancy exclusion – Customers experience no reduction in

coverage as a result of vacant property, especially important in

times of heightened regulatory oversight and restructuring

Healthcare • Communicable disease suspension of operations − Provides

business income coverage in the event that a public health

official or governmental authority shuts down access to the

facility due to a communicable disease or threat of the spread

of a communicable disease

• Spoilage malfunction − Covers the cost of spoiled medical

supplies or body parts inside coolers, chillers or refrigerators due

to equipment breakdown

• Decontamination expense − Covers the expense to clean up and

decontaminate property if damaged by a pollutant as a result of

a covered cause of loss

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Industry Select P3 coverage features

Manufacturing • Boiler, machinery & equipment breakdown − There is no need

for a separate policy to cover business critical machines

and equipment

• Transit − Physical loss or damage to goods in transit covered any

where in the world while transported by aircraft as long as the

origination or destination is in the coverage territory (U.S.,

Puerto Rico or Canada)

• Selling price on finished stock − Covers for the selling price

of finished stock including profit margin

Real Estate • Increased tax assessment − Covers the increased real estate tax

as a result of repairs, replacements or improvements to the

property after a loss

• Tenant relocation − Coverage for relocation expenses

incurred by tenants in returning to the premises after being

temporarily evacuated

• Extended period of indemnity − Covers loss of business income

beyond the period of restoration of the damaged property

Technology • Electronic vandalism − Covers direct loss or damage to certain

data as a result of network and data attacks

• Electrical injury − Covers for damage to sensitive electronic

equipment from surges, blackouts or brownouts

• Worldwide dependent business income – Provides for loss of

business income occurring due to physical loss or damage to

property of a key supplier


• In 2011, nearly half of all the property claims Zurich handled for commercial

accounts closed in under 30 days

• Zurich’s large loss adjusters average 29 years of insurance industry experience

• 90 percent* of all claims customers are satisfied with the fairness of Zurich’s

claims payment

*Zurich’s Annual Claims

Contact

Michael Halvey

Head of Middle Market Commercial

(847) 605-7710

[email protected]

zurichna.com/property

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Real estate overview (growth target)

Appetite

Most preferred

• Class A and B office

• Lifestyle centers

• Shopping centers

• Malls

• Light industrial parks

Moderate preference

• Class C office

• Strip centers

• Public warehousing

• Industrial with light manufacturing tenants

• Heavier high hazard storage

• Well constructed/protected apartments and condominiums

Least preferred

• Non-sprinklered residential

• Geographically challenged (e.g., high percentage of heavy wind/earthquake exposure)

Product breadth


• Auto

• Director’s & Officers/EPL/Crime

• Environmental

• Errors and omissions

• General liability

• International

• Property

• Umbrella

• Workers’ compensation

With global reach and localized industry focus, Zurich offers real estate customers a bundled

insurance solution with customized products, flexible limits and strong capacity.

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• Emergency preparedness and disaster recovery planning

• Fire loss prevention assessment

• Property valuation services

• Virtual consulting


• Deep industry knowledge, expertise and dedicated real estate unit: A single point

of contact within a dedicated real estate team of underwriters, risk engineers and

claims professionals

• Significant CAT capacity to handle diversified portfolios

• Reach of a Global Real Estate practice and dedication to real estate industry with

underwriting professionals located across all major cities in the U.S. and Canada

• Ability to find solutions on mixed portfolios with limited challenging exposures

including hospitality, non-sprinklered residential, CAT, vacancies and terrorism

• 200 property and casualty risk engineering professionals with real estate risk

management experience in North America

• Dedicated Risk Engineering team working to create tailored service programs including:

– Vacancy working plans

– Water damage assessments

– Retail premise operations safety

– Real and personal property appraisals from professionals averaging

25 years of experience

Contact

Patrick Healey

Head of Real Estate

(847) 240-8174

[email protected]

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Technology overview (growth target)

Our dedicated team of technology underwriters delivers customized risk transfer and

risk management solutions that keep pace with the ever-changing business needs of

technology companies, whether the business is in the U.S. or overseas.

Appetite

Most preferred

• Electronics

• Software developers

• Data processors

• Value added resellers

• Communication equipment suppliers

• Service providers

• Factory automation

• Alternative/Clean energy technologies

• Smart grid technologies

• Non-invasive; diagnostic medical devices

• Federal government contractors

Least preferred

• Life sciences/biotech

• Invasive medical products

Product breadth

• Property & casualty (Property, GL, auto, umbrella, WC)

• Errors and omissions including privacy coverage

• International (Property, auto, E&O, umbrella, FVWC/EL/Travel assist/DBA/ocean cargo/

political risk, trade credit)

• Management Liabilities (Crime, D&O, EPL, fiduciary)

• Global marine

• Environmental


• Global supply chain

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• Countrywide technology specific expertise assignments in underwriting,

risk engineering and claims

• eRisk Hub® supported by NetDiligence1

• RiskIntelligence® loss management tool and RiskImage® system

• Web-based – Enterprise Risk Management (ERM) Healthcheck Tool

• Enterprise Risk Management (ERM) consultations

• ZNEP®

• Zurich’s replacement Value Cost Trends bi-annual survey

• Supply chain risk assessments



• Dedicated technology underwriters stay abreast of current trends and emerging risks in

the technology industry to help customers prepare for and respond to changing needs

• Our seamless, multiple lines approach features over 20 risk transfer solutions, including

E&O, property, general liability, international and specialty products (e.g., accident and

health, D&O, surety, marine, pollution liability and more)

• A global network covering 200 countries and territories — one of the largest in the

industry — provides seamless insurance solutions wherever a technology business

decides to grow

• We are committed to technology thought leadership via webinars, white papers, videos,

participation in industry events and our LinkedIn group, Tech Risks Exposed

1 NetDiligence is not a subsidiary or affiliate of Zurich and use of their products and services are independent of, and not included within, the Zurich Security and Privacy Protection policy or any other Zurich product or service. 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 this vendor.

Contact

Gregg Fergot

Head of Technology Practice

(415) 538-7110

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