Zurich American Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Zurich American Insurance Company’s current U.S. commercial appetite is centered on broker-distributed middle market and national accounts business, with a stated emphasis on industry-led underwriting, disciplined risk selection, and proactive risk engineering. Zurich says it prefers midsize companies that show commitment to risk improvement and loss prevention, are open to risk engineering engagement, have strong management cultures, want to simplify program structure through multiline placement or tailored single-carrier solutions, may need loss-sensitive or alternative risk structures, and value longer-term carrier relationships. Core scalable coverages promoted for this segment include property, general liability, workers’ compensation, commercial auto, specialty lines such as cyber and D&O/management liability, and multinational solutions. Zurich also highlights package capability through its Zurich Summit Package, combining its property and GL forms. Published target industries include financial institutions, life sciences, manufacturing, private equity-backed risks, and professional services, with broader Zurich broker materials also referencing automotive, agriculture/crop, construction, manufacturing, and technology. The most explicit currently posted class-level middle market appetite located was for Professional Services on admitted paper, nationwide, with a minimum premium of $25,000. Listed preferred professional services classes are law firms, accounting firms, management consultants, business and professional associations, architect and design firms, and advertising companies. Available coverages for that segment include property, GL, workers’ compensation, umbrella, commercial auto, and multinational. Restricted/declined guidance publicly posted is limited, but Zurich does give at least some clear exclusions within its industry overview: in Life Sciences, targeted segments include biological products, healthcare products, medical devices, pharmaceuticals, and CROs, while dietary supplements, cannabis, and CBD are specifically noted as not a market. More generally, Zurich’s public materials suggest it is oriented toward quality, controllable commercial risks rather than distressed, poorly managed, or non-cooperative accounts; however, detailed declination lists were not found on the public official pages reviewed. Geographically, Zurich’s posted middle market/program guidance reviewed here is generally U.S. nationwide, with the professional services page specifically stating nationwide availability on admitted paper. Zurich also emphasizes multinational capability for clients with international exposures. Broker support is organized regionally across East, Midwest, New York Metro, South Central, Southeast, West, and Excess & Surplus contacts. Submission and producer notes: business is broker/agent distributed. Public guidance directs agents to request coverage for clients through Zurich contacts and regional teams rather than through a single universal public submission portal for standard middle market business. For program business, Zurich does provide an official online ‘Submit a Program opportunity’ form. For ongoing servicing and submission visibility, Zurich promotes My Zurich Broker Concierge, which provides brokers real-time access to loss runs, policy documents, Zurich team contacts, submission status tracking, and visibility into open subjectivities. New accounts for that platform are set up through the broker’s Territory Leader or Underwriter. Zurich also offers broker training/resources through its Zurich Insurance Academy and regional contact sheets. No separate publicly verified standard submission checklist with required underwriting documents was found on the official P&C appetite pages reviewed, so brokers should expect account-specific submission requirements through the assigned underwriter or territory team.