Real estate insurance solutions

The risks of your commercial real estate business are unique and changing. Get more control of risk with flexible solutions. Zurich specialists can tailor an insurance approach to your business.

Why Zurich?

Zurich offers flexibility that goes beyond traditional coverage, and unparalleled customer service. We provide multinational property coverage, international casualty arrangements, and financial lines protection, and all of the above can be designed to fit your specific requirements. Zurich’s global scope combined with local know-how means Zurich offers the peace of mind and responsiveness that you and your customers are looking for.

Real estate insurance solutions

  • Property
    Zurich’s property insurance options help guard against the unique risks of your commercial real estate business by allowing you to expand your coverage beyond the traditional limits. Features include:

    • Zurich Protect®: a suite of commercial policy wordings that features an easily-customizable modular format to address the needs of small to mid-sized real estate businesses. It also offers optional property extensions including business income loss, bylaws and demolition protection, and debris removal coverage.
    • A Real Estate Advantage endorsement that goes beyond traditional property coverage, to offer property owners many additional options including tenant relocation and replacement expense coverage, crisis event management, and emergency evacuation expense coverage.
    • 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. 
    • Contingent Building Insurance, which covers payments for loss or damage to property in the event a tenant – contractually obligated by lease to carry insurance – failed to obtain it, cancelled it or had insufficient limits of insurance.
  • Environmental liability
    Z Choice™ Real Estate Environmental Liability (REEL) policy includes three coverages to protect against the environmental liabilities associated with the ownership, operation, development and management of commercial real estate properties. Coverages include:

    • Crisis management reimbursement for public relations expenses in response to a pollution event 
    • Green remediation related to cleanup of a covered pollution event and repair
    • Replacement of property damaged during pollution cleanup to comply with green standards

    > Learn more about Z Choice™ REEL

    > Learn more about Z Choice™ REEL coverage highlights


    Policyholders get complimentary access to Zurich’s Environmental Emergency Response (ZEER) to connect with professionals in environmental emergency response and remediation.

    > Learn more about ZEER

  • Security and privacy
    Owners and managers of hotels, office buildings, residential apartments, and condo associations have access to sensitive customer and tenant information. Our security and privacy protection insurance policy offers first and third-party coverage to respond to many types of losses associated with security and privacy risks, including:

    • Privacy breach costs
    • Internet media liability
    • Business income loss
    It also includes access to eRiskHub®*, a valuable resource from NetDiligence™, that can help you prepare for, and respond to, a data breach.

    > Learn more about Zurich’s security and privacy solutions

    * eRiskHub® is a trademark of NetDiligence™. NetDiligence, Inc. is not a subsidiary or affiliate of Zurich and use of their products and services are independent of, and not included within, Zurich’s products or services. 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 NetDiligence, Inc.
  • Directors and officers
    Directors and officers (D&O) coverage provides integrated employment practices liability (EPL) and fiduciary liability for privately held companies and integrated D&O and errors and omissions (E&O) insurance for publicly traded companies. Zurich also offers EPL loss control services, retired independent directors and environmental mismanagement.

    Standalone D&O, fiduciary liability and EPL are available for publicly traded companies.
  • Errors and omissions
    Errors and omissions insurance offers coverage designed for property managers and investment managers. Zurich’s custom tailored endorsements for real estate exposures include real estate agents/brokers and property managers.
  • Challenging exposures
    Addressing challenging exposures — such as flood zones, earthquake regions and vacancy rates — can help your commercial real estate company reduce the impact to your balance sheet. Zurich provides information to help address your business’s unique risks including:

    • Water damage
    • Habitational buildings
    • Dangers and risks of real estate and builder’s insurance in CAT zones
    • Vacant property
    • Environmental issues

Knowledge Hub: Real estate