Commercial insurance

What is the purpose of this product?

This product offers commercial entities where there is not an employee/employer relationship, the capacity to provide an insurance benefit in the event of a member / insured person suffering an accident that causes death or disablement.

Additional benefits enhance the offering and provide financial support and assistance services in the event of a claim. It allows our clients to provide cover and meet their duty of care needs to their members, either on a mandatory or opt-in basis.

Suitable for member or committee associations and recruitment companies as the wording refers to an individual rather than a corporate entity.

The benefits on offer are for accidents that cause bodily injury leading to the member's death or disablement.

What is the target market?

Commercial entities (employers, mutual or affinity organisations) that have an interest in giving their 'members' some financial benefit in the event they suffer an accident whilst working with or taking part in activities arranged by them.

The target market made up of organisations that have a need for personal accident insurance for individuals who may subscribe to their services as a member, such as a sports organisation or a motor club. Therefore, they have some duty of care to provide cover, even if only to enhance the membership benefits.

The target market is wide, and we will consider most activities and trades.

What is the non-target market?

Corporate clients looking to cover employees that would more suitably be covered by a commercial personal accident product.

How is the product distributed?

This product can be distributed by Brokers, direct to customer face to face or it can be sub-broked.

Does the product demonstrate fair value?

The outcome of the Fair Value Assessment (FVA) conducted in accordance with Zurich's published FVA Methodology confirms that the product provides fair value. All products listed have all passed the Fair Value Assessment and are valid until 31/08/2026.

What is the purpose of this product?

This CABT product provides group policyholders with Personal Accident covers that will provide an insurance benefit in the event of an employee/insured person suffering an accident that causes death or disablement. Additional benefits enhance the offering and provide financial support and assistance services in the event of a claim. The benefit is paid to the insured person, their family or the insured group policyholder.

The Business Travel cover provides financial protection and assistance services to a group policyholder’s travelling employees, protecting them from financial loss and fulfilling their duty of care obligations. Covers include overseas medical expenses and assistance, and trip cancellation etc.

What is the target market?

Large corporate and SME, commercial entities in a wide range of trades and company sizes.

Clients that want to enhance their people protection policies and compliment their employer’s liability programme, covering staff in the workplace and whilst travelling for business.

Core appetite is for large, multinational corporations with a large global workforce. Smaller local companies are also in appetite.

What is the non-target market?

We cannot cover individual persons unless part of a wider group. Appetite is broad and most customer types can be considered.

Opportunities for Air crew and pilots, mining, professional sports, medical staff, blue light services and municipal style customers, although not core appetite, can be considered.

How is the product distributed?

• Brokers
• Other intermediary
• Direct to customer face to face
• Sub-broked

Does the product demonstrate fair value?

The outcome of the Fair Value Assessment (FVA) conducted in accordance with Zurich's published FVA Methodology confirms that the product provides fair value. All products listed have all passed the Fair Value Assessment and are valid until 30/09/2026.

What is the purpose of this product?

Commercial liability product designed to protect Directors, Officers and others in a similar managerial or supervisory role for Charities and Not for Profit Organisations and Trustees.

What is the target market?

UK domiciled businesses ranging from sole traders to public quoted companies and charities and not for profit organisations and Trusts.

What is the non-target market?

Non-UK domiciled Trusts, Businesses and Charities.

How is the product distributed?

This product can be distributed by Brokers, MGA or online purchase by a broker.

Does the product demonstrate fair value?

The outcome of the Fair Value Assessment (FVA) conducted in accordance with Zurich's published FVA Methodology confirms that the product provides fair value. All products listed have all passed the Fair Value Assessment and are valid until 31/07/2026.

What is the purpose of this product?

This is a Commercial Insurance product to cover the professional liability exposures of firms.

What is the target market?

UK domiciled professional services firms ranging from sole traders to publicly quoted companies.

Each product is designed to specifically meet the needs of the corresponding designated professional sector.

For the Solicitors Professional Indemnity Insurance product, the target market is SRA (Solicitor’s Regulated Authority) regulated law firms.

What is the non-target market?

Non-professional service firms.

Companies not based in, the UK, Channel Islands, or Isle of Man

How is the product distributed?

This product can be distributed by Brokers only.

Does the product demonstrate fair value?

The outcome of the Fair Value Assessment (FVA) conducted in accordance with Zurich's published FVA Methodology confirms that the product provides fair value. All products listed have all passed the Fair Value Assessment and are valid until 30/09/2026.

What is the purpose of this product?

To indemnify the issuer of a replacement share certificate where the owner of the shares cannot find the original certificate in perpetuity.

What is the target market?

Shareholder administrators.

What is the non-target market?

Parties who do not own shares. Where the issuer of the replacement certificate is not UK based.

How is the product distributed?

Distribution of the product is via legal firms and insurance intermediaries.

Does the product demonstrate fair value?

The outcome of the Fair Value Assessment (FVA) conducted in accordance with Zurich's published FVA Methodology confirms that the product provides fair value. All products listed have all passed the Fair Value Assessment and are valid until 30/09/2026.

What is the purpose of this product?

To protect and indemnify lenders and the owners of real estate from claims arising from defects in title.

What is the target market?

Owners of, or any parties with an interest in, real estate Lenders taking real estate as security.

What is the non-target market?

Parties who do not own, or have no interest in, real estate and who are not lending upon security of real estate Real estate outside of the EEA.

How is the product distributed?

The distribution method is via legal firms, brokers and in house legal teams of direct customers.

Does the product demonstrate fair value?

The outcome of the Fair Value Assessment (FVA) conducted in accordance with Zurich's published FVA Methodology confirms that the product provides fair value. All products listed have all passed the Fair Value Assessment and are valid until 30/09/2026.

What is the purpose of this product?

To protect and indemnify administrators / executors of a will from claims from certain parties upon the distribution of the estate assets.

What is the target market?

Executors and administrators of an estate.

What is the non-target market?

Parties who are not executors and administrators of an estate Any business which is not UK-based,

How is the product distributed?

Distribution of the product is via legal firms and insurance intermediaries.

Does the product demonstrate fair value?

The outcome of the Fair Value Assessment (FVA) conducted in accordance with Zurich's published FVA Methodology confirms that the product provides fair value. All products listed have all passed the Fair Value Assessment and are valid until 30/09/2026.