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Why should I consider insuring my business with Zurich?

In these uncertain times, it is more important than ever that you are insured with a trusted global insurer. Zurich is one of Ireland’s leading insurance companies, providing a wide range of commercial and personal insurance products to over 550,000 customers. We are also part of the global Zurich Financial Services Group, serving the needs of 35 million customers in more than 170 countries.

Zurich combines strong market positions in personal, commercial and corporate insurance across the globe. Among our strengths are our extensive customer knowledge and risk insights, our global network and local expertise.

When you insure your business with Zurich you benefit from:

  • the strength and scale of a global insurer (among the top five insurers in the world)
  • a global brand that is trusted and respected by customers and brokers
  • skills and expertise across specialised markets
  • financial strength: rated -AA by Standard & Poor’s as at October 2010.
What types of business insurance policies can Zurich provide?

Zurich provides a wide range of business insurance products to cater for businesses of all sizes and industries.

Small Business – Shops

We provide comprehensive insurance solutions for all types of shop owners across Ireland. So whether you are the owner of a Newsagent, Boutique or Optician – together we can tailor a solution that protects your property and business investment.

Small Business – Offices

We have significant expertise in the provision of tailored insurance solutions for office proprietors, from Solicitors and Accountants to Architects and Engineers. This tailored package provides cover for Buildings, Contents, Business Interruption and optional covers, such as Personal Accident.

Medium-Size Business

Our Commercial Combined Policies are suitable for small to medium size Manufacturers, Wholesalers, Distributors and Property Owners. This extensive package includes cover for Buildings, Contents, Business Interruption, Employer’s Liability, Public and Products Liability.

Motor Fleet

Our Motor Fleet Policy offers a comprehensive motor package for businesses with five or more vehicles. For smaller business owners, our Light Commercial Vehicle Policy covers up to four vehicles. Some of the core offerings include a free 24-hour, 365-day emergency helpline, windscreen cover and personal belongings cover up to %euro;500.


Zurich has a long established presence as a global construction insurer covering prestigious projects in all corners of the globe. We have insured sports stadiums, metros, motorways, bridges and large commercial developments throughout Europe, Australia, the Middle East and Asia. We are in a position to provide insurance solutions across a wide range of construction areas including:

  • General Builders
  • Civil Engineers
  • Electrical/Mechanical Engineers
  • Formwork or Shuttering Contractors
  • Piling Contractors
  • Quarry Owners and Operators
  • Sand & Gravel Pit Operators
  • Scaffolding Contractors
  • Steel Erectors

Professional Indemnity

Our Professional Indemnity Insurance provides essential financial protection across a range of professions such as: Advertising/Marketing, Architect, Auctioneer, Design & Construction, Engineer, Estate Agent and IT Consultant. With limits of indemnity of up to €10 million – you can be assured that you and your business are fully protected.

Real Estate

At Zurich we have built up significant expertise in Real Estate. We are in a position to provide comprehensive, fully compliant solutions, bespoke to your requirements – whether you are a small property owner, large property investor or property management company. Our Real Estate offering extends from small single units to larger portfolios located in Ireland and the UK incorporating the following areas:

  • Business/Industrial/Retail Parks
  • Office Blocks
  • Residential Accommodation
  • Shopping Centres
  • Warehouses
  • Apartment Blocks
How do I decide on the level of cover I require for my business?

We recommend you seek advice from your broker. Depending on your business size and industry you may be able to take out a package policy which provides a range of covers under one policy (including Property, Contents, Liability and Business Interruption) or alternatively for larger businesses your broker can liaise with us to develop a tailored solution with higher limits to meet your specific business needs.

What type of covers are typically available with a business insurance policy?

Examples of cover available with Zurich include:

Material Damage

Covers your premises against damage caused by events such as Fire, Flood and Storm.

Business Interruption

Protects against loss of income and extra expenses that are a result of interruption or interference to your business caused by damage to buildings or contents, e.g. following flood or fire.

Public and Products Liability

This cover enables you to pay compensation, where you or any of your employees causes injury, death or damage to property arising out of your business operations, activities or products.

Employer's Liability


Protects against any liability for injury or disease to your employees arising from their employment.


Motor Fleet/Commercial Van

Provides all your motoring insurance needs, from light commercial van to a fleet of heavy commercial vehicles.

Computer Cover

Covers accidental damage to hardware, loss of data and reinstatement of data.

Tenants Liability

Covers your legal liability as a tenant for damage to the buildings, and the landlord's fixtures and fittings.

Goods in Transit

Covers damage to goods in transit in the course of collection and delivery.

How do I get a Zurich business insurance quotation?

To get a business insurance quote from Zurich, we recommend you contact your nearest broker, and ask about our wide range of business insurance solutions – which can be adapted to meet your specific needs.

Where can I find a list of brokers in my area?

You can find your nearest broker by clicking in to our Broker Finder facility.

What details should I provide my broker in order to get the best quote possible?

The details will depend on the type of insurance policy you are taking out. Examples of the type of details that you should provide include:

  • Construction details of the building
  • Security surrounding your premises (CCTV, security guards, 24hr surveillance, alarms, alarms linked to a security company, locks.)
  • Location of the business in question
  • Occupancy i.e. vacant, all floors occupied some floors vacant.
  • Accurate business description (to enable us to fully understand your specific insurance needs)
  • Past claims experience
  • Depending on cover required – you may be asked to provide details on your business Annual Turnover and Employee Number
  • Flexibility around Excess Limits (you may be able to avail of a reduced premium if you agree to higher excess limits on your policy)