Mid-Market Insurance

About our Mid-Market proposition

Designed for the varied needs of commercial businesses, our Mid-Market proposition caters for enterprises with an annual turnover above £5 million.

To make a Mid-Market enquiry, please submit your presentations to us by emailing broker@uk.zurich.com. One of our local underwriters will be in touch within 24 hours, excluding weekends and bank holidays. 

Why should Mid-Market brokers choose to work with Zurich?

At Zurich, we live and breathe insurance. Our people are experienced, driven and passionate about protecting what matters most to your clients.

Reach throughout the UK

We're committed to regional trading and have offices across the UK, including Belfast, Birmingham, Cardiff, Glasgow, London and Manchester.

Locally-made underwriting decisions

Our experienced underwriting and claims teams are empowered to make decisions and are trained across our full range of products.

Quick response

We can bind and issue your Mid-Market quote within 24 hours, with policy wordings issued instantly.

AI-enhanced underwriting

We use artificial intelligence to help us respond more efficiently, so we can adapt quickly to changing market needs.

Claims expertise

Our expert underwriters are available to answer your queries over the phone, via live chat or email.

Industry news and expertise

You can share in our insurance industry expertise, with access to risk resources and insights, insurance news and tips for brokers and businesses. You can also benefit from our work with the Chartered Institute of Insurers by accumulating learning hours.

We’re a 5-star rated commercial lines insurer

We’re delighted to have been given a 5-star rating in the Insurance Times 2026 Commercial Lines survey.

This rating reflects our unwavering commitment to excellence in service delivery and our dedication to meeting the needs of our broker partners. It's also a testament to the enhancements we’ve made in our offerings and service over the last couple of years, including expanding our regional network, focusing on delivering efficient responses, and introducing our modular Commercial Combined proposition to the market.

Our core products and cover

Find out more about the products available to your Mid-Market clients.

Commercial Combined

Our Mid-Market Commercial Combined product offers a series of covers designed to meet businesses’ main insurance needs, including material damage, business interruption, public liability and more.

Commercial Crime

Our Commercial Crime product includes employee dishonesty (core/compulsory cover) third-party computer fraud (optional) and forgery (optional). 

Construction

We provide construction insurance solutions for a wide variety of businesses, including commercial builders, residential developers, building allied and finishing trades, and others.

Cyber

Our Cyber product includes a range of covers designed to protect organisations against some of the financial impacts of a cyber incident, including lost income and costs involved in responding to a breach. 

Employers’ Liability

Our Employers’ Liability cover includes limits of indemnity of up to £25 million. We also offer guaranteed renewal on Employers’ Liability business. 

Excess of Loss

Our Excess of Loss product offers combined or standalone Excess Public and Products Liability and Excess Employers’ Liability.

Executive Risk Solutions

Our Executive Risk Solutions is a modular product and includes a range of covers for personal and other liabilities (in relation to running a business) for directors, officers, supervisors, managers and others.

Financial Institutions

We provide risk management solutions for a wide range of financial institutions, including banks, private equity firms, financial advisers, trading platforms and more. 

Fine Art and Specie

We provide solutions for individuals and corporations, delivering tailored financial protection for a wide range of high-value items - from gemstones and precious metals to paintings and classic cars. 

Management Liability

Our Management Liability solutions offer financial protection for some of the personal and other liabilities that directors, officers, managers, supervisors, trustees and other key individuals may face in relation to their business duties.

Marine Cargo

Our Marine Cargo solution includes cover for goods lost or damaged in transit, cargo  liabilities/freight, stock throughput, and project cargo (critical components of construction/infrastructure projects). 

Motor Fleet

Our Motor Fleet product is designed for customers with at least 21 vehicles. We aim to cover all kinds of vehicles.

Personal Accident and Business Travel

Our product includes an extensive range of benefits and services, including a GPS-supported travel tracker to allow for real-time risk identification.

Professional Indemnity

Our policies cover professionals globally and domestically. We have a broad appetite that includes architects, surveyors, engineers, IT consultants, solicitors, accountants and more.

Property Insurance

We offer standalone Material Damage Insurance and combined Material Damage and Business Interruption Insurance, with both cover types also available on an all-risks basis. 

Public and Products Liability

Our Public and Products Liability product offers worldwide coverage, and includes indemnity for directors, employees and principals. 

Real Estate

Our Real Estate product is designed for a wide range of customer types, including residential associations, property developers, buy-to-let owners, investment and pension funds, and more.

Get a quote

Our experienced underwriters are fully empowered to write a broad range of risks. 99% of our underwriting decisions are made locally.

To discuss your clients' needs, contact one of our regional offices.

Zurich Multinational

Zurich Multinational has a global network and we work with it to offer insurance solutions in 200 territories. Our cross-territory programmes are designed to avoid language, cultural and business barriers, leaving customers in control of their overseas coverage.

More about our Mid-market offering

Download our brochure to find out how our dedicated underwriters can create tailored and seamless solutions for your clients. Discover more about our products, including our appetite, policy cover and benefits, approach to claims and more. Our document library includes policy documents, summaries and factsheets.