Insurance for small and medium-sized enterprises (SMEs)
Why should SME brokers choose to work with Zurich?
At Zurich, it all starts with our people. We’re powered by a team who live and breathe insurance.
We're a forward-thinking, proactive partner, and we take care to listen to and understand the priorities of our brokers.
Ease of trading
We’ve been given a five-star rating from brokers for both our in-house trading platform (Zurich Online) and trading through a software house (Acturis).
Access to expert underwriters
Our dedicated SME underwriters are available to answer your queries, whichever way you want - on the phone, via live chat, email, or through the platform.
Quick to respond
In 2025, we handled over 490,000 eTrade broker queries. We aim to respond to platform referrals in under 60 minutes.
Our core products and cover
We offer the capability to trade across multiple lines of business for SMEs.
Commercial Combined
We've combined 15 key business insurance covers into a single policy.
Excess of Loss
Our Excess of Loss product provides combined or stand-alone Excess Public and Products Liability, and Excess Employers' Liability.
Executive Risk Solutions
Our Executive Risk Solutions product is designed for UK-based companies with up to £200 million annual turnover.
Marine Cargo
We consider all types of organisations globally, covering project cargo and delay in start-up (DSU) risks.
Office and Surgery
Designed for SMEs with surgery and clerical trades, our Office and Surgery package product provides cover against property damage, loss of revenue, and legal claims.
Personal Accident and Business Travel
Our product has a range of useful travel-related enhancements, including our LiveWell wellbeing app and a GPS tracker with our Zurich travel health and security app.
Property Owners
We provide cover for those who own anything from a single buy-to-let to a portfolio of up to 30 commercial or residential properties.
Shop
Our Shop package product covers a wide range of shop and salon trades and is designed for independently-owned retail businesses with up to £5 million turnover.
Small Fleet
Our Small Fleet policy is designed for businesses with between two and 20 company vehicles.
Tradespeople and Homeworkers
Our flexible product caters for a variety of homeworking, professional, contracting and mobile trades.
We're a five-star rated eTrading insurer
We’ve been named Best Software House Insurer three years’ running (2023-25) in the Insurance Times eTrading Star Ratings report.
Our SME products can be accessed either via our own eTrade platform, Zurich Online, or through Acturis. Brokers have given us an Insurance Times five-star rating for both.
If you don't have an account and would like to trade with us:
If you have an account with us already, just log in to get a quote.
Get instant support with SME live chat
Our experienced SME underwriters are on hand to help through our accessible and easy-to-use live chat, available on Acturis and Zurich Online. We aim to respond to all queries via live chat within 120 seconds, within business hours.
Take one! So the quickest and most efficient way to speak to us is through live chat. It's accessible. It's quick. It's definitely easier for the brokers and for us because you can get the instant answers to the questions that you need to ask. So if a broker wants to access live chat, they just need to log on to their policy. From there, they'll have an option then to speak to an underwriter via our live chat system. Live chat does allow brokers to populate a lot of the information, so prior to them even coming on to the chat, I've got information about the policy. I could get that sorted for you on the spot.
Latest news and insights for SMEs
Visit Zurich Insider for expert guidance, stories and updates on SME insurance.
