Zurich Builders Risk

Zurich North America's construction practice underwrites builder's risk and the coverages that sit around it for midsize to large commercial construction projects, written as monoline or multiline programs and placed through a broker.

The core offering is builder's risk covering property damage from fire, wind and other covered perils for the life of a project, with specialised forms for mass timber and completed-value mass timber work and a fronted master builders risk program. Around it sit casualty for third-party bodily injury and property damage claims, workers' compensation including a dividend plan, commercial auto liability and physical damage, commercial excess umbrella, property and inland marine, and environmental coverages such as the Environmental Services Package and Professional and Environmental Coverage.

For larger and more complex work the practice writes wrap-up liability programs, owner-controlled and contractor-controlled, and consolidated insurance programs, surety bonds, contractors pollution liability, and professional indemnity including owner's and contractor's protective professional indemnity. Project-specific offerings include construction weather parametric insurance, Data Center Project Guard, MBR 360 with its own project enrollment questionnaire, and a Trusted Estimated Maximum Loss service. Risk engineering and sustainability services, Zurich RiskIntelligence and claims management support the policies.

Zurich U.S. employs nearly 9,000 people and serves over 90% of the Fortune 500; it is part of Zurich Insurance Group, which serves over 82 million customers in more than 200 countries and territories and is listed on the SIX Swiss Exchange as ZURN. Coverage is not sold direct: the site routes buyers to their own broker or to a Zurich preferred agent or broker, so terms, limits and eligibility depend on the project and on the placement.