Read our review to find out all you need to know about Zurich's business insurance cover, including its pros and cons and whether it's right for your business.
Zurich Insurance Group is one of the biggest global insurers, with around 55,000 employees in more than 170 countries worldwide.
The company offers a range of insurance products, including car, home, life and business insurance.
What company underwrites business insurance from Zurich?
Zurich’s policies are underwritten by the Zurich Intermediary Group Limited, which is authorised and regulated by the Financial Conduct Authority.
What types of business insurance policies are available?
Zurich splits its cover into categories by sector. These include:
Casualty
Construction
Energy
Industry specialisms
Motor
Property
Engineering
Specialty lines
Corporate life and pensions
Captive services
Cover for major customers
Practice insurance for healthcare professionals
Each category includes different elements to suit the needs of the specific business.
What does Zurich business insurance cover?
As Zurich offers tailored cover for a range of professions and sectors, cover varies depending on the requirements of your business.
However, typically, business insurance can include the following:
Public liability. Public liability insurance is a type of cover that protects you if your business becomes legally liable if someone is injured or their property is damaged. It protects your business against legal costs and compensation claims if your business is to be found at fault.
Product liability. Product liability insurance provides cover for people who manufacture, distribute or sell products and protects you against any resulting financial damages. It’s often bundled with public liability cover.
Employers’ liability. Employers’ liability insurance covers you and helps you to protect your employees in case one of them is injured or becomes ill as a result of the work they do for your business. You are legally required to take out this cover if you employ one or more people.
Business contents insurance. Business contents insurance covers the equipment and furnishings you use for your business against theft, loss or damage. This includes having your tools stolen or your premises (or home office if you work from home) damaged by a variety of reasons, such as water leaks and fire.
Professional indemnity. Professional indemnity covers you against claims of negligence by clients, if they’re not happy with your work. This type of policy can help with legal costs and compensation payments, up to the limit of your policy (this can vary from a few thousand pounds to several millions).
Cyber insurance. Cyber insurance is a form of specialty cover designed to protect your business from a wide range of Internet-based risks such as data breaches, malicious cyber hacks and email forgery.
Healthcare professional insurance. Superscript offers specialist insurance cover for a whole range of healthcare professionals, including nurses, technicians, carers and complementary therapists. It covers medical malpractice, professional indemnity and public liability.
Zurich also offers a range of employee benefits, such as group life insurance and income protection.
How much cover do I need?
Zurich’s policies are all so different, so this will depend on your requirements.
Here are a few things to consider when deciding how much cover to take out:
What type of business do you run and in what industry?
How many employees do you have?
Do you need cover for yourself, your staff or your shareholders?
Do you deal with members of the public?
Do you own or lease vehicles (including vans)?
Do you work in public spaces?
Do you have dedicated business premises? Do you own or rent these?
How much equipment and tools do you have and how expensive are they?
Do you use or sell products?
Do you or your staff engage in dangerous activities at work?
Do you store stock?
Do you provide financial advice?
How much does business cover from Zurich cost?
The cost of business insurance is an individual thing and will vary depending on your circumstances and the type of cover you require.
Online Trading (Zurich Online) For technical assistance and password queries relating to Zurich Online (not including claims reporting) Email: Etrade.support@uk.zurich.com Call: 0800 916 0626
What is the claims process for Zurich business insurance?
You can make a claim online through Zurich’s online portal.
You can also call Zurich’s claims on 0800 302 9055. Some claims will require going through different channels, but you will be advised of this by the Zurich staff if this is the case.
For liability claims, call 0800 783 0690 or email commercialcasualtyclaims@uk.zurich.com.
Zurich business insurance customer reviews
On Trustpilot, Zurich as a company has 2.7 out of 5 stars and a rating of “Poor”, based on more than 300 reviews.
Pros and cons for Zurich business insurance
Pros
A very wide variety of sectors and professions covered
Flexible cover you can tailor to your needs
Employee benefits like group life insurance available
Cons
The amount of information and options on the website can be overwhelming
Verdict
Navigating Zurich’s website is no easy task, but if you know what kind of cover you’re after, you will likely find what you need in the wide range of options.
Get started by visiting Zurich’s website and sign up for a policy. If you have read this review and decided that Zurich is not for you, you can also compare other business insurance policies on the market.
Frequently asked questions
Yes. Zurich customers get access to My Zurich, which allows you to manage your policy, as well as explore, manage and react to your risk information and global regulations.
Business insurance is tax-deductible and, along with accountancy and legal fees, counts as allowable business expenses. Insurance is VAT exempt but subject to insurance premium tax at a lower rate.
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Ronny Lavie was a deputy editor at Finder, specialising in insurance content. She has almost a decade of experience writing about financial topics, including five months spent as the interim managing editor for the Fintech Times newspaper. Ronny has a Master of Arts in Creative Writing from London Middlesex University. See full bio
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