1CORPORATECORPORATE

CORPORATE

APPETITE

WHY ZURICH FOR CORPORATE?

KEY RISKS

COVER

CORPORATE MAJOR CUSTOMER

CONTACTS

CLAIMS

ADDING VALUE

Zurich has been in the business for more than 135 years, so your customers can rely on our expertise and insight to provide tailored products and solutions to meet their risk needs.

Our local development underwriters are based in our branches across the UK and are experienced in writing sustainably priced, complex risks. And when your customers come to claim, our UK based team of claims professionals will help your customers through their claim whether it’s a major loss or something smaller with prompt, fair and easy-to understand assistance giving them security and stability should the worst happen.

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EXPERTISE | INSIGHT | SECURITY

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MARKET STRENGTH AND KNOWLEDGEZurich has a broad knowledge and expertise of the corporate market and we bring that strength and knowledge to bear for every customer to provide the best possible insurance solutions. Since we launched Corporate Focus we’ve delivered real value to our customers through our knowledge, insight and expertise.

SUPPLY CHAIN

We understand how critical a supply chain is to a manufacturer and how disruptive interruptions can be if a supplier cannot deliver. The challenges of managing an increasingly complex network of suppliers can threaten business resilience.

INSIGHT

Zurich is committed to sharing our understanding with both brokers and customers about the risk environment we face today through Zurich Insider.

WHY ZURICH FOR CORPORATE?

SECURITY & STABILITY Zurich is one of the strongest Global Insurers with AA- security rating. This gives you absolute confidence that you will receive a comprehensive proposition and expert claims service both now, and in the future.

CLAIMS SERVICEOur extensive claims capability is delivered by our UK based claims teams who provide a prompt, fair and easy to understand service. Our Specialist teams deal with major property losses, catastrophe, personal injury, fraud prevention and identification, or simply a small claim that requires speedy resolution and settlement, all supported by a large team of in-house inspectors.

EXPERTISE & FLEXIBILITY Our teams of experienced Market Underwriters have deep knowledge and expertise within our trade sector appetite and are tasked with bringing our propositions alive. Our propositions strike at the heart of what your customers require and are backed up by bespoke, focussed risk management support and guidance.

DELIVERING WHEN IT MATTERSEXPERTISE | INSIGHT | SECURITY

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KEY RISKSSUPPLY CHAINSupply chains are increasingly complex and global, and disruptions can have a huge impact on profit, brand and reputation. According to the Business Continuity Institute’s (BCI) fifth annual Supply Chain Resilience Survey, 76% of organisations reported significant disruptions to their supply chain last year, citing IT glitches, adverse weather, outsourcer failures, product quality and transport disruption. 44% of these disruptions are actually caused by a suppliers’ supplier. EEF, the Manufacturers’ Organisation, warned its members that security of supply is a “threat to growth.”

BUSINESS INTERRUPTION / UNDERINSURANCESome customers are significantly underinsured leaving them at risk of a shortfall in claims payments. If a business has significantly under-declared the amount of insurance it needs, then the insurer may not pay out on the claim because the business has not disclosed the true level of its risk exposure to the insurer (which can invalidate the insurance contract). Alternatively, the insurer may make a proportionate reduction: for example, if the gross profit figure supplied to the insurer is only 50% of the actual gross profit, then only 50% of the loss will be covered.

HEALTH AND SAFETYIn today’s increasingly litigious society, the vast number of personal injury scenarios slip, trips and falls, manual handling; workplace transport; being struck or injured by objects, tools or equipment can lead to claims. Managing a claim can cause significant disruption to a business. Risk management minimises danger to the public and employees, wherever possible, before an accident occurs. Claims defensibility ensures the right evidence exists and insurance provides finance should the worst happen.

MORE INFORMATIONMORE INFORMATIONMORE INFORMATION

ENVIRONMENTALEnvironmental legislation has mandated that companies clean up, reduce carbon, control pollution and become more energy efficient. Environmental risk improvement may also be driven by cost pressures, customer expectations and a company’s own approach to Corporate Social Responsibility.

GLOBAL SOLUTIONSIn a world of globalisation, UK-domiciled companies are increasingly expanding their presence into overseas territories as they seek growth through new revenue streams and operational efficiencies. Expansion brings increased requirements to an insurance program to ensure both adequate protection of property and people, and compliance with local legal licensing and insurer foreign premium tax (FPT).

MORE INFORMATION MORE INFORMATION

4CORPORATE

APPETITE

APPETITE

MANUFACTURING

PROFESSIONAL AND BUSINESS SERVICES

SPORTS, LEISURE AND ENTERTAINMENT

WHOLESALE AND RETAIL

FOOD AND BEVERAGE

TECHNOLOGY AND COMMUNICATIONS

To help you get the most out of Zurich’s products and services we’ve clearly defined our underwriting appetite within the key industry areas below. Our expertise in bringing Corporate Focus to the market brings benefits to brokers and utilises the depth of our underwriting expertise. If your customer isn’t listed here or you have an unusual risk please contact us.

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MANUFACTURERS OF TEXTILES

• Manufacture, preparation and finishing of all textiles including cotton and wool

• Manufacture of textile articles including carpets and rugs, rope and cord and other fabrics

MANUFACTURERS OF WOODEN FURNITURE AND PRODUCTS

• Milling/planning/impregnation, builders’ carpentry and joinery, wooden containers, furniture and other wood products

MANUFACTURERS OF CLOTHING & FOOTWEAR

• Manufacturing of all clothing, handbags, underwear and footwear

MANUFACTURERS OF PUBLISHING, PRINTING & REPRODUCTION OF RECORDED MEDIA

• Publishing and printing of books, newspapers, journals and reproduction of sound recording

MANUFACTURERS OF PLASTICS

• Packing goods, builders’ ware and other plastic products

MANUFACTURERS OF GLASS, BRICKS, TILES, CONCRETE & CEMENT

• Shaping and production of glass, production and manufacture of household ceramics and bathroom fixtures

• Cutting finishing and shaping stone

MANUFACTURERS OF MACHINERY & EQUIPMENT

• Tools, gearing and driving elements, furnaces and burners, lifting and handling equipment

• General purpose machinery, portable power tools, machine tools, mining and construction

• Food and beverage processing, paper and paperboard production, insulated wire and cable

MANUFACTURERS OF BASE METALS & FABRICATED METAL PRODUCTS

• Precious metals, metal structures, tanks/reservoirs/containers of metal, metal forging and processing

• Metal treatment and coating

• Light metal packaging, wire products, fasteners/ screw machine products/chains/springs

• Engines and turbines, vehicle and cycle engines, pumps and compressors, taps and valves, steel tubes, cold drawing and wire drawing

• General mechanical engineering

MANUFACTURERS OF ELECTRICAL & OPTICAL EQUIPMENT

• Electric domestic appliances

• Electric motors, generators and transformers

• Lighting equipment and electric lamps, other electrical equipment

APPETITE MANUFACTURING

MANUFACTURING

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WHOLESALE & RETAIL

WHOLESALERS OF MACHINERY & EQUIPMENT• Machinery tools

• Mining, construction and civil engineering machinery

• Machinery for the textile industry

• Agricultural machinery, accessories and implements

WHOLESALERS OF METALS & ORES• Metal ores, concentrates and refined metal,

primarily copper, lead and zinc

• Fittings and pipes, made of stainless steel and other metals

• Steel reinforcements and accessory products to the civil engineering and construction industry

WHOLESALERS OF CONSTRUCTION MATERIALS & SANITARY EQUIPMENT• Building materials and allied products

• Sale of timber and wood products

• Bricks and building supplies

• Bathroom and sanitary ware products

WHOLESALERS OF HARDWARE, PLUMBING & HEATING EQUIPMENT• Power tools, electrical goods and hardware

• Plumbing and heating goods and equipment

• Industrial engineering products and ironmongery

WHOLESALERS OF INDUSTRIAL ELECTRONIC PARTS & EQUIPMENT• Amusement machine and vending machines

suppliers

• Alarm systems lighting fixtures and electrical appliances

WHOLESALERS OF COMPUTERS, COMPUTER EQUIPMENT AND SOFTWARE• Office machinery and equipment

• Entertainment software and games consoles

WHOLESALERS OF HOUSEHOLD GOODS• Electronic household goods and other

household goods

• Records, CDs, DVDs and equipment on which these are played

• Radios and televisions

WHOLESALERS OF TEXTILES, CLOTHING & FOOTWEAR• The sale of textiles, clothing and leather goods

• Adult, children’s and infant clothing

WHOLESALERS OF FRESH FOODS, FRUIT AND VEGETABLES & FLOWERS• Processing/Packaging and distribution of fruit

and vegetables

• Fresh and chilled products for food services sector

OTHER WHOLESALE• Storage and warehousing

• Sports equipment

• Games and toys (excluding soft toys)

• Stationery and office supplies and equipment

RETAILERS OF GROCERIES• Newsagents

• Green grocer

• Butcher

• Fishmonger

• Bakers

• Off licence

• Other specialist foods

RETAILERS OF FURNITURE & HARDWARE• Carpet, wall and floor coverings

• DIY

• Ironmongers

RETAILERS OF ELECTRICAL EQUIPMENT• Computers hardware and software

• Household appliances

• Multimedia and technology

RETAILERS OF CLOTHING & LEISURE• Clothing

• Shoes

• Sports goods, fishing gear, camping goods, boats and bicycles shop

• Coffee shop

• Musical instruments

• Toys, arts and crafts

RETAILERS OF PERSONAL CARE• Cosmetics and toiletries

• Opticians

• Personal aids

SPECIALISTS • Cards and stationery

• Florists

• Pets

• Art galleries

• Online and mail order retailers

WHOLESALE & RETAIL

APPETITE

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FOOD AND BEVERAGEPRODUCERS AND PRESERVERS OF MEAT & POULTRY• Manufacture and processing of bacon, ham,

poultry and other meat (but not slaughtering)

FISH PROCESSING PRESERVING AND PRODUCTS• Processing, packing and supply of fish and

seafood

• Wholesaling of fish including shellfish and molluscs

FRUIT & VEGETABLES PROCESSING AND PRESERVING• Manufacture of chilled/frozen food and drinks

and ready meals

• Preparation of fresh and chilled salad products

• Pre-packing of vegetable and salad crops for sale to retail outlets

OPERATIONS OF DAIRIES, ICE CREAM & CHEESE MAKING• Manufacture and supply of cheese, butter and

dairy related products for the retail and food service markets

MANUFACTURE OF BREAD, PASTRY, CAKES, BISCUITS & RUSKS• Manufacture and sale of biscuits

• Manufacture of bread and confectionery products

• Manufacture and sale of flour confectionery, hot and cold desserts and other food products

• Baking of frozen foodstuffs

MANUFACTURE OF COCOA, CHOCOLATE & SUGAR CONFECTIONERY• Manufacture and sale of chocolate products

and confectionery

BEVERAGES• Processing and distribution of fruit and fruit

juice drinks

• Manufacture and sale of soft drinks

• Brewing, bottling, canning and processing of beers

• Production, distribution and sale of alcoholic spirits

• Production of malted barley and the distillation of malt and grain whisky and neutral spirit

CATERING• Provision of contract catering services including

catering and vending equipment

WHOLESALE OF FOOD & BEVERAGE• Wholesaling of fruit and vegetables, dairy,

meats, fish and beverages

• Wholesaling of other foodstuffs including sugar, tea, coffee and deli products

• Wholesaling of packaged and frozen foods

FOOD AND BEVERAGEAPPETITE

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PROFESSIONAL AND BUSINESS SERVICES

PROVIDERS OF PROFESSIONAL SERVICES• Provision of Audit, Tax, Consulting and

Corporate

FINANCE SERVICES• Forensic Accounting and Financial Planning

• Bespoke policy wording: Accountants (ICEAW compliant cover)

PROVIDERS OF SOFTWARE CONSULTANCY• Supply, implementation, support and

management of information technology systems

• Marketing, design, production, integration and maintenance of software and associated hardware systems

• Computing and Consultancy services

• Bespoke policy wording: Technology

PROVIDERS OF PROPERTY RELATED SERVICES• Property Consultancy and Agency services

including Property Management and related financial services

• Surveyors and Quantity Surveyors

• Surveying advice including Property and Construction Consultancy and Land Auctioneers

• Bespoke policy wording: Surveyors (RICS compliant cover)

PROVIDERS OF CREATIVE SERVICES• Advertising and associated products and

services

• Media Planners and Buyers, Marketing and Promotional services

• Public Relations and Communications Consultancy services

• Advertising, Marketing and PR Accountants Technology (ICEAW compliant cover)

• Bespoke policy wording: Advertising, marketing and PR

PROVIDERS OF MARKET RESEARCH• Research, Consultancy and Direct Marketing

• Market opinion and Attitude Research services

• Bespoke policy wording: Advertising, marketing and PR

PROVIDERS OF BUSINESS & MANAGEMENT CONSULTANCY• Management Consultancy and Outsourcing

• Facilities Management

• Information, Records Management and Administrative services

• Broad range of other consultancy services

PROVIDERS OF ARCHITECT & ENGINEERING SERVICES• Engineers and Architects

• Urban Planning and Landscape Architects, Engineering consultative activities, Engineering design activities for industrial process and production, Engineering related scientific and Technical Consulting activities and other Engineering activities

• Engineering Management and Development Consultancy

• Construction Management, Project Management and Consultancy

• Bespoke policy wording: Architects & Engineers Design & Construct

PROFESSIONAL AND BUSINESS SERVICES

APPETITE

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SPORTS, LEISURE AND ENTERTAINMENTHOTELS & ACCOMMODATION• Ownership, operation and management of

hotels and related facilities

OTHER LODGING PROVISION• Holiday parks (excluding caravan parks and

mobile homes)

• Residential facilities

• UK holiday destinations

RESTAURANTS• Eating establishments

BARS• Ownership, management and development of

bars

• Public houses and bar restaurants

THEATRES• Theatre owners and proprietors

• Professional producers

• Impresarios and performing companies

PHYSICAL WELLBEING ACTIVITIES• Operating for-profit health and fitness facilities

including spas and gymnasiums

OPERATIONS OF SPORTS ARENAS & STADIA• Modern sports stadia for football, cricket,

rugby, racecourses, greyhound tracks, golf courses, athletics stadia, bowling, snooker/pool halls, ice rinks and bingo halls

VISITOR ATTRACTIONS• For-profit museums

• Art galleries

• Historical buildings or collections

• Zoos, safari parks, gardens, conservation and preservation wildlife habitats

• Leisure park operators and recreational provision

• Casinos

SPORTS, LEISURE AND ENTERTAINMENT

NEXT: TECHNOLOGY AND COMMUNICATIONS

APPETITE

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TECHNOLOGY AND COMMUNICATIONS

HARDWARE• Manufacture of computers, hardware

equipment, professional/arcade games and toys

• Wholesale of computers, software and peripheral equipment

ELECTRONIC COMPONENTS• Manufacture of electronic components,

switches, connectors and chips

• Manufacture of electricity and control apparatus, wiring devices, fibre optic cables and loaded electronic boards

ROBOTICS• Manufacture of process control equipment

and engineering design for process control equipment

• Manufacture of robots for industrial use

• Manufacturing and configuration of control panels and developers/writers of process control software

OUTSOURCING• Data warehousing/storage, computer

consultancy advice on system requirements (hardware and software) and consultancy project management, web design and web/data hosting

• Business process/data processing services and SAAS (Software As A Service) provision and computer facilities management

• Private training, contract staff supply, equipment rental and leasing

• Installation of electronic equipment, apparatus and computer machinery

• Repair and maintenance of electronic equipment, apparatus and computer machinery

ELECTRONIC COMMUNICATION• Manufacture of electronic and

telecommunications equipment, reseller of electronic and telecommunications equipment, airtime provision and telecommunications network maintenance

• Data network management and support services, virtual network operators, network operators and BSS/OSS (Business/Operational Support Systems)

• Internet service provider, internet access provider, dial up internet access provision, repair of communications equipment and central office switching equipment

• Transmission of media including television/radio programmes, distribution of media including television/radio programmes, satellite communication activities and music downloads

SOFTWARE• Distributors of third party software, package

writers including business and domestic software

• Customisation and tailoring of software, bespoke made to order software and SCADA (Supervisory Control and Data Acquisitions)

• Electronic industrial process control software, CAD/ CAM (Computer Aided Design/Manufacturing) systems, PKI (Public Key Infrastructure), leisure and entertainment software and web portals

TECHNOLOGY AND COMMUNICATIONS

APPETITE

11CORPORATE

COVER

COVER

MANUFACTURING WHOLESALE AND RETAIL

FOOD AND BEVERAGE

PROFESSIONAL AND BUSINESS SERVICES

LIABILITY PROPERTYSPORTS, LEISURE AND ENTERTAINMENT

TECHNOLOGY AND COMMUNICATIONS

FLEET PRODUCT SAFETY & RECALL INSURANCE

MARINE PERSONAL ACCIDENT & BUSINESS TRAVEL

Bespoke cover for companies with a turnover of £5 – 300 million. Our local development underwriters are based in our branches across the UK and are experienced in writing sustainably priced mid-market risks. Utilising the depth of our underwriting expertise, we were first in the insurance market to move to a trade vertical to meet the changing demands and landscape of business in the UK.

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MANUFACTURING

POLICY BOOKLET

TRADE SPECIFIC COVER EXTENSIONS

BUSINESS INTERRUPTION• Patterns – £50,000 Limit

• Property Stored – £50,000 Limit

• Unspecified Suppliers (UK) – £50,000 Limit

• Unspecified Customers (UK) – £100,000 Limit

• Essential Personnel – £20,000 Limit

• Public Utilities – £100,000 Limit

• Research & Development (at additional charge)

• Exhibition Expenses (at additional charge)

PROPERTY DAMAGE• Brands & Labels – Unlimited

• Pairs & Sets – £50,000 Limit

• Exhibitions – £10,000 Limit

• Trace & Access – £25,000 Limit

• Metal Workers Extension – £250,000 Limit

– Computer Breakdown (at additional charge)

– Mechanical Breakdown (at additional charge)

PRODUCT LIABILITYFirst party product recall – £100,000

COMPREHENSIVE COVER AS STANDARD

PRODUCT RECALLUp to £100,000 included as standard in Product Liability cover. Provides financial assistance with costs incurred recalling a product that is faulty or maliciously tampered with.

COVER MANUFACTURING

Manufacturing is one of the largest economic sectors in the UK. Using our specialist underwriting and risk management experience in Manufacturing we have focused on specific groups of trades where we want to grow our presence and help your customers safeguard their business and address the challenges they face.

BRAND PROTECTIONAutomatically included where Property and Casualty cover are both purchased. Helps your customer to post-manage an incident, allowing the cost of experts where required. No Limits.

ESSENTIAL PERSONNELCover for additional expenditure due to death or total permanent disablement of any key person at work.

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NEXT: FOOD AND BEVERAGE

POLICY BOOKLET

WHOLESALE & RETAIL

WHOLESALE & RETAIL

Wholesale is a growing and evolving sector in the UK economy, covering enterprises from local distribution depots to substantial centralised national hubs. Retail is the UK’s largest private sector employer, employing over three million people and generating sales of over £300 billion.

TRADE SPECIFIC COVER EXTENSIONS

BUSINESS INTERRUPTION• Unspecified Suppliers (UK) – £100,000 Limit

• Unspecified Customers (UK) – £100,000 Limit

• Property Stored (UK) – £50,000 Limit

• Public Utilities – £100,000 Limit

• Prevention of Access – £50,000 Limit

• Accumulated Stocks – £100,000

• Loss of Attraction – £50,000

• Transit Extension (UK) – £50,000

• Essential Personnel – £20,000 Limit

• Public Utilities Full Internet – £5,000 Limit

• Action of competent authorities – £50,000 Limit

• Seasonal Stock – £500,000 Limit

• Exhibitions – £10,000 Limit

• Money/Assault including counselling

• Fines and Damages – £100,000

PRODUCT LIABILITY• 1st Party Product Recall – £100,000 Limit

MATERIAL DAMAGE• Trace & Access – £25,000 Limit

• Mitigation of Inevitable & Imminent Damage – covers the costs of any measures that are taken to reduce Mitigation of Inevitable and Imminent Damage. £25,000 limit in the aggregate. Silent about limit once damage has occurred.

• Brand Labels – No specific limit

• Sprinkler Upgrade

• Adaption Clause 1

• Refrigerated Stock – £10,000 Limit

PUBLIC LIABILITY• Environmental Clean Up Costs – sudden and

unforeseen (not gradual) extension to Public Liability. LOI up to £1million (any one period) and will form part of the LOI in the schedule

BRAND PROTECTIONAutomatically included where Property and/or Casualty are purchased. This helps your customers to manage their reputation following a major loss in excess of £1 million under the Property and/or Casualty covers – £50,000 Limit.

Motor Fleet, Marine Cargo, Engineering Insurance and inspection services are also available for your Wholesale and Retail customers.

COVER

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FOOD AND BEVERAGE

FOOD AND BEVERAGE

The Food & Beverage industry is a growing part of the UK economy. Defined as Food & Beverage manufacturers, caterers, wholesalers and retailers the £92 billion industry employs just under 400,000 people.

NEXT: PROFESSIONAL AND BUSINESS SERVICES

POLICY BOOKLET

TRADE SPECIFIC COVER EXTENSIONS

BUSINESS INTERRUPTION• Unspecified Customers – £50,000 Limit

• Unspecified Suppliers – £50,000 Limit

• Public Utilities (with 24 hour access) – £100,000 Limit

• Denial of Access – £50,000 Limit

• Notifiable Diseases – £50,000 Limit

• Fines & Penalties – £50,000 Limit

• Essential Personnel – £20,000 Limit

PROPERTY• Trace & Access – £25,000 Limit

• Exhibitions – £10,000 Limit

• Adaptation Clause 1 – the Adaptation Clause that Zurich offers provides cover over and above the additional costs of complying with European Community or UK building regulations, by allowing the policy holder to conform to Energy Performance Certificate assessments and use sustainable materials in the reinstatement of the property

PRODUCT LIABILITY• First Party Product Recall – £100,000 Limit

PRODUCT RECALLFirst party cover with up to £100,000 is included as standard in Product Liability cover. Providing financial assistance to deal with the cost incurred in recalling a faulty product or one that has been maliciously tampered with.

BRAND PROTECTIONAutomatically included where Property and/or Casualty are purchased. This helps your customers to manage their reputation following a major loss in excess of £1 million under the Property and/or Casualty covers – £50,000 Limit.

ESSENTIAL PERSONCover for additional expenditure due to death or total permanent disablement of any key person at work.

CRISIS CONTAINMENTCover is automatically included for Crisis Containment support where both the Property and Casualty lines of business are purchased via Zurich. The cover is triggered on any insured Property or Casualty claim over £1 million. Helping to manage an incident and support the subsequent PR approach to it, through access to appropriate

experts may minimise the risk to your customer’s brand and reputation.

SUPPLY CHAINThe only ‘all-risks’ supply chain insurance available in the market. Reflecting the increasing reliance of Food & Beverage companies on the quality, integrity and continuity of their suppliers. This cover can be purchased at an additional cost.

DISASTER RECOVERYNow available as standard in all Business Interruption cover. Our disaster recovery suppliers, First Recovery get companies back up and running quickly after an insured loss by finding alternative office space and setting up phone and internet connections to local networks as quickly as possible.

COVER

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PROFESSIONAL INDEMNITY• There is a variety of Zurich Professional

Indemnity (PI) policies, each tailored to give comprehensive cover for a specific sector.

• Solicitors

• Accountants

• Advertising, Marketing and PR Consultants

• Architects and Engineers

• Design and Construct Contractors

• Technology and Communications Consultants

• Surveyors and property professionals

• General miscellaneous professions. Our Underwriters are in your local branch with the authority to make quick decisions.

• The majority of policy wordings are written as Civil Liability cover which includes, but is not limited to:

• Breach of professional duty

• Libel or slander

• Loss of documents.

• Breach of confidentiality

• Dishonesty of employees.

WE ALSO PROVIDE COVER FOR:• First party copyright infringement

• Replacing or restoring lost documents

• Compensation for court attendance

• Innocent non-disclosure

• Legal representation costs

• First party copyright infringement cover (UK) – £25,000 Sub Limit

• Costs of proceedings cover (UK) – £1 million Sub Limit

• Increased Sub Limits for loss of documents (£1 million), representation costs (£25,000) and court attendance costs (£25,000)

• Wider cover available for Asbestos and Pollution covers

NEXT: SPORTS, LEISURE AND ENTERTAINMENT

POLICY BOOKLET

PROFESSIONAL AND BUSINESS SERVICES

PROFESSIONAL AND BUSINESS SERVICES

Defined as any office based organisation that gives advice, the Professional & Business Services sector is a major UK employer, representing a significant part of the UK economy.

TRADE SPECIFIC COVER EXTENSIONS

MATERIAL DAMAGE• Trace & Access (UK) – £25,000 Limit Business

Interruption

• Public Utilities (UK) – £100,000 Limit (water, gas, electricity and telecommunications)

• Full Internet (UK) – we now provide full internet cover as an extension of Public Utilities up to a £5,000 Limit in any one period

• Prevention of Access (UK) – £50,000 Limit

• Property Stored (UK) – £50,000 Limit

• Essential Personnel (UK) – £20,000 Limit

PUBLIC LIABILITY• Environmental clean-up costs – sudden and

unforeseen extension to PL. LOI up to £1 million (in any one period) and will form part of the LOI in the schedule

ESSENTIAL PERSONNEL • Cover for additional expenditure due to death

or total permanent disablement of any key person at work – £20,000 limit UK only.

COVER

16CORPORATE

SPORTS, LEISURE AND ENTERTAINMENT

SPORTS, LEISURE AND ENTERTAINMENT

The UK Sports, Leisure & Entertainment industry is very diverse, covering areas such as sports, accommodation, bars and restaurants, theatres, stadia, visitor attractions and gambling.

NEXT: TECHNOLOGY AND COMMUNICATIONS

POLICY BOOKLET

TRADE SPECIFIC COVER EXTENSIONS

BUSINESS INTERRUPTION• Public Utilities – £100,000 Limit

• Essential Personnel – £20,000 Limit

• Loss of Attraction – £50,000 Limit

• Prevention of Access – £50,000 Limit

• Notifiable Diseases – £50,000 Limit

PROPERTY DAMAGE• Exhibitions – £10,000 Limit

• Trace & Access – £25,000 Limit

BRAND PROTECTIONAutomatically included where Property and/or Casualty are purchased. This helps your customers to manage their reputation following a major loss in excess of £1 million under the Property and/or Casualty covers – £50,000 Limit.

ESSENTIAL PERSONNELCover for additional expenditure due to death or total permanent disablement of any key person at work.

CRISIS CONTAINMENTCover is automatically included for Crisis Containment support where both the Property and Casualty lines of business are purchased via Zurich. The cover is triggered on any insured Property or Casualty claim over £1 million. Helping to manage an incident and support the subsequent PR approach to it, through access to appropriate experts may minimise the risk to your customer’s brand and reputation.

ADDITIONAL RELEVANT COVERS AND SERVICES:

THEATRE MANAGERS & THEATRICAL ACTIVITIESCover is available on a combined “all risks” basis for Theatre Proprietors and on a “bespoke” basis for Theatre Producers, Impresarios and Performing Companies. Policies provide extended cover including loss of revenue following the failure of a safety curtain, closure through action of a competent authority and cancellation cover. Business Interruption cover for Producers and our Amateur Theatres Policy is available exclusively through a specialist Theatres Intermediary Gordon & Co. Contact Robert Israel on 020 7251 2255.

COVER

17CORPORATE

POLICY BOOKLET

TECHNOLOGY AND COMMUNICATIONS

TECHNOLOGY AND COMMUNICATIONS

A combination of Professional Liability, Employers Liability and Public Liability covers in one policy wording. Cover customised for the industry including key protection such as Privacy Liability, Network Security Liability, Worldwide Jurisdiction as standard, Worldwide Infringement of Intellectual Property Rights, Extended Reporting Period and Automatic cover for Acquisitions (subject to limit).

TRADE SPECIFIC COVER EXTENSIONS

BUSINESS INTERRUPTION• Research & Development – £50,000 Limit

• Unspecified Suppliers (UK) – £100,000 Limit

• Unspecified Customers (UK) – £100,000 Limit

• Essential Personnel – £20,000 Limit

• Public Utilities – £100,000 Limit

• Property Stored – £50,000 Limit

• Prevention of Access – £50,000 Limit

PROPERTY DAMAGE• Offsite Prototype cover – £10,000 Limit

• Trace & Access – £25,000 Limit

• Metal Work Extension – £250,000 Limit

PRODUCT LIABILITYFirst Party Product Recall - £100,000 Limit

PRODUCT RECALL Up to £100,000 included as standard in Product Liability cover. Provides financial assistance with costs incurred recalling a product that is faulty or maliciously tampered with. Stand Alone Product Recall is also available.

BRAND PROTECTIONAutomatically included where Property and Casualty cover are both purchased. Helps your customer to post-manage an incident, allowing the cost of experts where required. No Limits.

ESSENTIAL PERSONNELCover for additional expenditure due to death or total permanent disablement of any key person at work.

BLENDED TECHNOLOGYA combination of PI, EL and PPL covers in one policy wording.

OPTIONAL – PROPERTY DAMAGE• BI overseas customers and suppliers extension

• Goods in Transit for Prototypes

• Exhibition Expenses

OPTIONAL – BUSINESS INTERRUPTION• Cover at higher levels is available Additional

relevant covers and services

NEXT: PROPERTY

COVER

18CORPORATE

PROPERTY

PROPERTY

MATERIAL DAMAGE & BUSINESS INTERRUPTIONCover provides the company with financial compensation following an insured loss under the Material Damage policy.

We offer two types of Material Damage cover:

• Fire & perils

• All risks (Fire & perils plus accidental damage from any other cause, subject to certain exclusions)

DISASTER RECOVERYDisaster Recovery is now available as standard in all Business Interruption cover. Our disaster recovery suppliers First Recovery get office based companies back up and running quickly after an insured loss by finding alternative office space and setting up phone and internet connections to local networks as quickly as possible.

OPTIONALFor depreciation in value of the business’ interest in the premises should the licence for the supply of alcohol be lost.

POLICY BOOKLETS

NEXT: LIABILITY

COVER

MATERIAL DAMAGE ALL RISKS

MATERIAL DAMAGE

PREMISES LICENCE

MATERIAL DAMAGE AND BUSINESS INTERRUPTION

19CORPORATE

POLICY BOOKLET

LIABILITY

LIABILITY

Zurich’s liability insurance solutions and services range from general liability to public and product liability, personal accident and travel, even data protection and product recall insurance. Our teams are trained to manage complex situations, and we can work with your managers to improve workplace conditions.

EMPLOYERS’ LIABILITY• Covers damages and legal costs anywhere in

the world in respect of employees who have suffered injury or disease arising from, and in the course of, their employment

• Limits of indemnity of up to £25 million available

• Corporate Manslaughter extension up to £5 million aggregate limit

• Policy without conditions

• No standard height or depth restrictions

• We guarantee renewal on EL business

• EL bonus for premium over £25,000

PUBLIC & PRODUCTS LIABILITYThe possibilities of large claims for legal liability are endless and extend beyond the workplace, to any place or situation where work is being carried out or for which the company is responsible. Where products are concerned the smallest design or manufacturing fault can also leave the company in a very vulnerable position.

• Indemnity limits up to £10 million available.

• Corporate Manslaughter extension up to £5 million aggregate limit.

• Environmental statutory clean-up costs (Bartoline) can be included up to £1 million aggregate limit.

• No standard height or depth restrictions.

POLICY BOOKLETS & SUMMARIESEmployers’ Liability

Excess Employers’ Liability

Public & Products Liability

Excess Public & Products Liability

NEXT: FLEET

COVER

20CORPORATE

FLEET

FLEET

FLEET POLICY BOOKLET

FLEET POLICY SUMMARY

EMPLOYEE OWNED FLEET POLICY BOOKLET

EMPLOYEE OWNED FLEET POLICY SUMMARY

• Cover for fleets of 15 vehicles or more, for all vehicle groupings from cars to lorries

• Courtesy cars when being repaired by an Approved Repairer following an accident

• A 24-hour recovery service

• Repairs through an authorised network and Uninsured Loss Recovery as the result of a non-fault claim

• No increased excess for young or novice drivers

• No minimum premiums

• Fleet discount available based on the overall book of vehicles

• Market-leading limit for Third Party Property Damage of £50 million (in respect of cars only)

NEXT: PRODUCT SAFETY & RECALL INSURANCE

Zurich brings speed, agility and efficiency to corporate fleet management. Our corporate fleet insurance provides cover for fleets of 15 vehicles or more.

COVER

21CORPORATE

NEXT: MARINE

Zurich’s Product Safety & Recall Insurance provides a market leading combination of recall planning and preparation advice, broad coverage, plus post-loss crisis consultancy to help minimise the impact of these risks.

HOW ZURICH CAN HELP• Competitive product recall cover designed to

meet the needs of corporate organisations in challenging times.

• Flexible, unbundled coverage options including standalone accidental contamination and accidental defect cover.

• Greater balance sheet protection with indemnity periods of up to 24 months for loss of gross profits.

• Variable single loss limits and aggregate loss limits.

• A simplified, single policy covering food, drink and consumer products.

• Significant capacity offered of up to USD 25 million and an additional indemnity limit of USD 10 million for consultancy fees.

• In-house consultancy and training services to assist planning and preparing for a recall. Funding towards these services is available from within the premium.

• Access to our appointed crisis consultancy partners to help prepare for a recall and minimise damage to the brand. Funding towards these services is also available from within the premium.

• Dedicated claims professionals to ensure a rapid response and settlement.

BROAD COVERAGE THAT OFFERS PROTECTION FOR YOUR BUSINESSPolicy trigger event

• Accidental contamination or accidental defect of a product

• Malicious tampering of a product

• Malicious publicity

• Product extortion

Insured products

• Within customers care – e.g. within the warehouse and during transportation

• Outside customers care – e.g. once the product has reached the retailer

Loss coverage

• Consultant and advisor costs

• Product recall costs

• Third party recall costs

• Replacement costs

• Rehabilitation expenses

• Business interruption

• Extortion costs

• Defence costs

• Additional expenses

PRODUCT SAFETY & RECALL INSURANCE

PRODUCT SAFETY & RECALL INSURANCE

PRODUCT RECALL CLAIMS EXAMPLES:

Heightened consumer awareness is driving an increase in the number of product recalls and their financial impact. Tightened legislation and better enforcement is driving increased scrutiny of product safety by enforcement authorities with authorities now empowered to levy fines and enforce a product recall. The maximum penalty for directors in the UK is imprisonment.

22CORPORATE

NEXT: PERSONAL ACCIDENT & BUSINESS TRAVEL

BACKED BY MARKET-LEADING UNDERWRITING EXPERTISE AND BESPOKE TO THE CUSTOMER’S REQUIREMENTS • Gives the customer control of risk

internationally

• Efficient policy issuing, within 24hrs if required

• Professional proactive claims service

CARGO• Cargo Policy for imports and exports.

• UK Inland transit as well as imports and exports.

• Warehouse to warehouse cover.

• Storage in the ordinary course of transit.

• Covers the movement of goods or commodities traded internationally and/or domestically.

• Optional extensions available for storage outside the ordinary course of transit, Exhibitions/ Demonstrations, Engineers’ Tools & Equipment and Sales Representatives’ Goods and Samples

FREIGHT LIABILITY• Own goods up to £10,000 per vehicle

• Trailer curtains up to £1,000

• Drivers’ personal effects up to £500 per occurrence

• Debris removal up to £25,000

• Temporary storage

• Optional extensions available for Temperature Controlled Goods, errors and omissions (up to £25,000) and own trailers

MARINE

MARINE

Globalisation has made our world smaller but at the same time highly complex. Zurich is a global leader in marine insurance solutions and here to help when it comes to importing, exporting or moving freight around. We have the knowledge and experience to tailor-make a programme to meet the specific needs of your business. Comprehensive worldwide cover for goods in transit, i.e. against physical loss and damage while being transported by road, rail, sea or air.

POLICY BOOKLET

POLICY SUMMARY

ZURICH INSIDER ARTICLES

23CORPORATE

NEXT: ADDING VALUE

PERSONAL ACCIDENT & BUSINESS TRAVEL

PERSONAL ACCIDENT & BUSINESS TRAVEL

Our Personal Accident insurance provides protection in the event of accidental bodily injury and can provide cover for a range of activities to suit your business needs. The cover is designed to pay out if an employee is severely injured or dies in an accident.

Policyholders receive a tax-free (under current legislation) lump sum if they are involved in an accident resulting in the loss of one or more limbs, one or both eyes, the loss of use of any of the above or some other form of permanent disability. Depending on the type of disability, the payments may be made weekly for one or two years, or as a lump sum.

GROUP PERSONAL ACCIDENT AND BUSINESS TRAVEL FOR COMPANIES OF ALL SIZESThe policy can enhance any employee benefit scheme; or any claim payment could be used to cover the cost of recruiting a temporary or permanent replacement, ensuring minimal disruption to the business. The policy can also assist in managing liability claims as liability does not need to be determined under the policy before we make a payment.

STANDARD COVERCover in the event of accidental bodily injury resulting in death or disablement including:

• Dismemberment

• Loss of sight

• Permanent total disablement

• Permanent partial disablement

• Temporary total and temporary

• Partial disablement

• Loss of hearing

• Loss of speech

• Catastrophic injury rehabilitation

OPTIONAL EXTENSIONSOur policy also includes a comprehensive range of extensions. Contact us for more information on these extensions.

BUSINESS TRAVELOur bespoke proposition combines our wide-ranging product with only the most relevant, and value-contributing additional services which call on carefully selected, high-quality suppliers.

WHAT MAKES ZURICH DIFFERENT?We have a team dedicated to reviewing our product and propositions. They strive to ensure that our products compare favourably with other leading offerings, as well as offering new and innovative features. Some examples of unique services within our current Personal Accident and Business Travel proposition are:

• MEET AND GREET

• CHECK IN

• VEHICLE BREAKDOWN ASSISTANCE

• DISCOUNTED LOUNGE ACCESS

Employees are the lifeblood of any business. If they are not able to work then the business must find alternatives, such as temporary staff, training new staff, or paying overtime to bridge the gap, all of which involve significant additional costs.

POLICY BOOKLET

POLICY SUMMARY

ZURICH INSIDER ARTICLES

24CORPORATE

LEGAL & SAFETY, HEALTH AND ENVIRONMENT ADVICE In partnership with third-party suppliers, we’ll provide customers with specialist legal risk and compliance advice.

• Legal Services

• Loss Adjusters & Claims Management

• Environmental Consultants

• Crisis Containment

• Plant & Machinery Valuers

• Property Valuation

• 24/7 helplines on employment advice; general legal advice and safety, health and environment.

• Disaster Recovery is now available as standard in all Business Interruption cover.

ZURICH RISK MANAGEMENT ADVICE LINEAccess to experts during office hours, covering:

• Risk Management Consultancy

• Supply Chain Risk Management & Assessment

• Mergers & Acquisitions

• Multinational Insurance

• Full Product Recall

• Crisis Management

• UK-based cross-border insurance

• Risk Profiling

• Risk Engineering

• Business Continuity Management

Contact the Zurich Risk Management Advice Line on:

0345 301 2784NEXT: CLAIMS

PRE/POST LOSS SERVICES

ADDING VALUE

ZURICH BROKER SITE

We’ve developed a range of value-add services addressing real issues facing Corporates, provided by us or experts and tailored to perfectly fit with our products. These services and products give your customers extra peace of mind, so you have all the expertise you need to become a one-stop service for total risk protection.

25CORPORATE

SUPERIOR CLAIMS SERVICE

Corporate customers may have complex organisations and need an insurer who will take all types of claims in their stride and work with them to find solutions. As experts who deal with these complexities every day, our specialist Corporate claims team is perfectly placed to help.

Defending claims is a rising concern for customers. Zurich’s size and expertise means that we can robustly defend our customers, successfully winning cases of breach of contract, privacy, fitness for purpose and intellectual property, among others.

Zurich is a leader in developing a fair and robust settlement of claims and whilst its position on fraud will always remain strong it looks for ways to settle every legitimate claim from customers and support them through the difficult times.

Our underwriting and claims processes are designed around creating good outcomes for our customers and the processes and actions of our staff are fair and honest. Zurich will settle customers’ claims speedily and fairly in line with the spirit of the Law Commission’s proposed reforms where beneficial for the customer - even where their open claim may pre-date the policy-wording change.

• UK based claims teams with access to advanced and appropriate technical expertise

• Approved repairers who can start repairs straight away to reduce the impact on your business

• A nationwide team of field claims inspectors

• A Complex Injury team to deal with the worst injury claims

• A dedicated Credit Hire team with award nominated systems

• Fraud detection and prevention team

• Hand-picked expert legal partners to help with complex claims

PRODUCT RECALL CLAIMS EXAMPLES

CLAIMS

NEXT: CORPORATE MAJOR CUSTOMER

CLAIMS

A single claim reporting number

0845 300 20 55

CLAIMS PROCESS

CLAIMS OFFERING

LAW COMMISSION’S PROPOSALS

26CORPORATE

NEXT: CONTACTS

CORPORATE MAJOR CUSTOMER

CORPORATE MAJOR CUSTOMERCORPORATE MAJOR CUSTOMER Zurich has an in-depth understanding of the key issues and risks of major companies. We excel in solving complex risk issues with comprehensive insurance covers. We’re also experts at helping our Major Customers use risk ‘best practice’ to reduce costs and increase the likelihood of achieving their business goals.

BUSINESS BASED ON A RELATIONSHIPIn partnership with our Major Customers and their insurance brokers, we can identify, understand, and evaluate all of the risks faced. Our team of experts will then work with you to advise and recommend the best, most relevant protection and risk management solutions that can help build a competitive edge in a crowded market.

MAJOR ACCESS TO RISK EXPERTISEAll services and communications with Major Customers and their brokers are directly with Zurich people, ensuring there’s a consistent level of service, culture and understanding of the customer’s needs throughout the relationship.

CUSTOMER RELATIONSHIP MANAGERThe key contact and access point to all Zurich’s risk related expertise relevant to a Major Customer’s requirements. The CRM coordinates all activity and liaises with Major Customers, ensuring that the bespoke service required is consistently delivered.

RISK MANAGEMENT SUPPORTTo enhance their protection from risk, Major Customers have access to dedicated risk engineering experts from Zurich, improving the risk in property, occupational health and safety, motor and strategic. Our team of Risk Inspectors may help with establishing risk, ensuring best practice, developing risk management strategies and reducing risk costs supported by risk Engineering Services.

UNDERWRITING EXPERTSMajor Customers and their brokers receive direct access to expert underwriters who can translate their innovative insurance thinking and understanding of the customer’s business into practical protection for any company’s assets, people and reputation.

Our Underwriting experts may help with evaluating risk, tailoring cover and wordings, addressing new and emerging risk and writing complex risk to ensure the most appropriate insurance protection supported by direct customer and broker access.

CLAIMS ACCOUNT MANAGER (CLAM)Overseeing all of the customer’s claims expediently and efficiently, ensuring claims understanding and defensibility, helping reduce claims and giving one-to-one advice supported by bespoke claims handling, specialist claims teams, claims management and quality control, claims prevention services, claims reviews.

GLOBALLY LOCALOur capability to provide fully compliant insurance solutions spreads to 201 territories throughout the world. This global resource is delivered by local teams who know their cultures, customs and customers best.

27CORPORATECONTACTS

BELFASTDavid Blanchflower Trading Managerdavid.blanchflower@uk.zurich.com02890 558761

BIRMINGHAMAdrian Tate Trading Manageradrian.tate@uk.zurich.com0121 697 4492

BRISTOLDavid Christy Trading Managerdavid.christy@uk.zurich.com07768 421005

CITYSteve Salter City Trading Managerstephen.salter@uk.zurich.com0207 648 3780

CROYDON Duncan Fletcher Trading Managerduncan.fletcher@uk.zurich.com0208 212 4194

GLASGOW Colin Rennie Managing Underwritercolin.rennie@uk.zurich.com0141 303 7562

Branch Trading Managers

CONTACTS

MATTHEW HARTIGANHead of Corporate matthew.hartigan@uk.zurich.com07841 562843

MIKE HALLBusiness Manager – Marine Cargomike.hall@uk.zurich.com07875 885 704

STEVE COLEMANSenior Market Underwriter PA&BTsteve.coleman@uk.zurich.com07875 887098

ANDY WILLIAMSONNational Corporate Development Managerandy.williamson@uk.zurich.com07875 887237

Additional Corporate contacts

LEEDS Martin Sykes Trading Managermartin.sykes@uk.zurich.com0113 237 2652

MANCHESTER Richard Lee Trading Managerrichard.lee@uk.zurich.com0161 952 8701

28CORPORATE

A public limited company incorporated in Ireland Registration No. 13460Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland.

UK Branch registered in England and Wales Registration No. BR7985.UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ

Authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority.Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.

These details can be checked on the FCA’s Financial Services Register via their website www.fca.org.uk or by contacting them on 0800 111 6768. Our FCA Firm Reference Number is 203093.Doc code: UKGI654

Zurich Insurance PLC