Zurich Business Insurance

Having accumulated more than 140 years of expertise, Zurich has established itself as a prominent figure in the business, cyber, and marine insurance sectors worldwide.

They take great satisfaction in offering dependable protection and efficient risk management solutions to businesses of every scale.

Their dedication to achieving excellence motivates them to provide exceptional service and customised insurance coverage that fosters the growth and resilience of your enterprise.

Insurance solutions for various occupations and businesses

They understand the diverse needs of different occupations and businesses. That's why they offer a wide range of insurance policies designed to protect against material damage, business interruption, liability, and more.

Their goal is to provide you with the right coverage that protects your assets and ensures your peace of mind.

Shielding your business against claims of bodily injury, property damage, or personal injury arising from your operations, products, or services is also a priority, along with mitigating risks associated with errors, omissions, or negligence in professional services.

Purpose-driven values: Shaping a thriving future

Their purpose and values are at the core of everything they do, they’re driven by the vision of a future where everyone can thrive. Their values of optimism, caring, and reliability guide them in their mission to be a responsible and impactful business, making a positive difference in the lives of their clients and communities.

They operate in New Zealand through Zurich Australian Insurance Limited (ZAIL), which underwrites their general insurance products.

ZAIL boasts a robust financial position, with a solvency margin and capital ratio that exceed regulatory requirements. Their insured financial strength rating of AA- from Standard & Poor's is a testament to the very strong financial security they provide to you.

Community engagement and sustainability

Community engagement and sustainability are fundamental aspects of their strategy. Through their foundation, they invest in community programs worldwide, focusing on climate change adaptation, improving mental well-being, and enabling social equity.

In New Zealand, they actively collaborate with organisations like Variety - The Children's Charity and the Sir John Kirwan Foundation, supporting initiatives that benefit disadvantaged children and enhance mental health education in schools.

Empowering their employees

They encourage employee engagement in community activities and provide support for fundraising efforts and volunteering.

They foster a vibrant culture of giving back, aiming to make a positive impact on society beyond their core business activities. In times of disaster, Zurich and its foundation are actively involved in disaster preparedness and support.

Building resilient communities together

Their ultimate goal is to be a responsible, reliable, and impactful insurer, actively contributing to building resilient communities and creating a brighter future together.

With their business insurance, you can trust that your business is in capable hands, and together, a secure and thriving future can be achieved.

Ongoing support and policy management

Count on Zurich’s continuous assistance in managing your policy, encompassing tasks like incorporating changes, endorsements, or renewals.

Keeping contact with their dedicated customer service team proves valuable for addressing any inquiries or keeping them updated regarding your policy.

It's crucial to remain updated about shifts within your business operations and promptly notify them about any alterations that might impact your insurance coverage.

This collaborative approach ensures a well-maintained and responsive insurance solution tailored to your evolving needs.

Zurich’s offerings include protection for your business premises, equipment, and inventory against perils like fire, theft, and natural disasters, as well as coverage for income loss and ongoing expenses during periods of business interruption due to insured events.

Let’s take a closer look

• Building and contents: Safeguard your business premises, equipment, and inventory against perils such as fire, theft, and natural disasters.
• Business interruption: Protect your income and cover ongoing expenses during periods of business interruption due to insured events.
• General liability: Shield your business against claims of bodily injury, property damage, or personal injury arising from your operations, products, or services.
• Professional liability: Mitigate risks associated with errors, omissions, or negligence in professional services, offering financial protection and peace of mind.

Marine insurance

• Annual Marine Cargo insurance
• Goods in Transit insurance
• Goods in Transit (own vehicles) insurance   
• Single Transit insurance (within New Zealand)
• Single Marine Cargo insurance
• Goods in Transit (carriers) insurance
• Carriers Cargo liability insurance
• Specified items in transit insurance

Cyber insurance

• Protect your business from the financial impact of data breaches, including notification expenses, legal costs, and potential customer compensation.
• Cyber extortion: Safeguard against ransom attacks and cyber extortion attempts, with coverage for ransom payments and professional assistance.

Commercial auto insurance

• Insure your business vehicles against accidents, theft, or damage, ensuring seamless operations and protection for your assets.
• Liability protection: Cover your legal liabilities arising from auto accidents, including bodily injury, property damage, and legal defence costs.

Solutions for industry-specific needs

Construction and engineering insurance

• Contractors all risks: Provide comprehensive coverage for construction projects, including materials, equipment, and third-party liabilities.
• Professional indemnity: Protect architects, engineers, and other professionals against claims arising from design errors or professional negligence.
• Product liability: Safeguard against claims related to manufacturing defects, faulty products, or inadequate warnings, ensuring your reputation and financial stability.
• Machinery breakdown: Cover the repair or replacement costs of critical machinery and equipment due to sudden breakdowns, minimising downtime and productivity losses.

Retail and hospitality insurance

• Guard against potential accidents or injuries that occur on your premises, protecting your customers and your business.
• Liquor liability: Cover liabilities arising from the sale or service of alcoholic beverages, addressing potential claims related to intoxication or accidents.

Risk management

Loss control and prevention

• Their experts identify potential risks and provide recommendations to minimise losses and enhance safety in your business operations.
• Safety training: Access comprehensive training programs to educate your employees on risk mitigation techniques, fostering a culture of safety within your organisation.
• Dedicated claims handling: Benefit from their efficient and responsive claims handling process, ensuring timely resolutions and minimising disruptions to your business.
• Risk engineering services: Receive expert guidance and support in managing claims, reducing the frequency and severity of future losses through proactive risk management strategies.

International capabilities

• Leverage their extensive network of offices and partners worldwide, enabling seamless insurance coverage and risk management solutions for your global operations.
• Multinational programs: Streamline your insurance programs across multiple countries, ensuring consistent coverage, compliance, and risk management standards.
• Regional expertise: Benefit from their deep understanding of local regulations, market dynamics, and industry-specific challenges, allowing for tailored solutions that meet your needs.