Zurich’s real estate insurance solutions offer comprehensive, bundled offerings

The Real Estate Advantage includes a bundle of property coverages specifically designed for real estate customers:

• Tenant Relocation Expense – applies to necessary relocation expenses incurred by tenants who need to be temporarily evacuated from the damaged property.
• Tenant Replacement Expense – if the loss or damage to the property results in the cancellation of a tenant’s lease, Zurich will pay the necessary costs of advertising and broker fees to obtain new tenants.
• Emergency Evacuation Expense – if an authorized government agency orders the emergency evacuation of residents from a “premise” due to a covered cause of loss emergency, Zurich will cover the necessary expenses incurred.
• Crisis Event Management – Zurich will reimburse expenses paid to minimize negative publicity and restore customer reputation as a result of a crisis event.
• Terrorism – limit provided for direct physical loss or damage caused by acts of terrorism.
• Unintentional Errors and Omissions – provides a limit of insurance for loss or damage resulting from an unintentional error in the description, address or failure to include a premises as of the effective date of the policy.

Learn more about Zurich's bundled real estate solution

Zurich Protect® is a suite of commercial policy wordings designed to provide coverages that are tailored to your business. With its clearly written wordings, updated declaration pages, flexibility and ease of use, Zurich Protect is a platform for innovation and market leadership. It includes:

• 35 optional property extensions
• Bylaws and demolition
• Debris removal
• Decontamination
• Newly acquired property
• Sewer back-up
• Business income loss
• Equipment breakdown
• Replacement cost
• Earth movement and flood

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Additional liability protection
Enhanced Pollution Liability – a limit for environmental impairment liability when claims are first made against the insured and reported to us in writing within the policy period or extended reporting period.

Optional property coverages specifically for real estate (available at additional cost):
BetterGreen™ – designed for customers that are or are in the process of becoming “green” compliant. It gives customers the option to upgrade property without tying those upgrades to a “green” certification level.

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Zurich’s newly designed Z Choice™ Real Estate Environmental Liability (REEL) policy includes three new coverages to protect against the environmental liabilities associated with ownership, operation, development and management of commercial real estate properties.

Learn more about the key benefits of Z Choice REEL.