Life Sciences Insurance

Zurich’s broad all-risk Property form addresses exposures that manufacturing companies face. Coverage highlights include, but are not limited to:

• Broad definition of real and personal property.
• Real property does not exclude insureds interest in underground pipes, flues, drains and other permanent structures. personal property of others and computer systems.
• Equipment breakdown coverage is included with no sublimit.
• Ordinance or Law applies to all covered property and time element loss, not just buildings.
• Better Green^TM – coverage to rebuild to same or higher green standard is automatically included via sublimit after a covered loss.
• Loss of Utilities includes overhead lines Business Interruption additional coverages Ingress/Egress and/or Civil Authority can include flood and earthquake for covered locations.
• Natural catastrophe limits and deductibles are scheduled on declaration page and not subject to revision at time of loss.

General Liability Industry specific endorsements providing 25 enhancements to coverage such as:

• Broad Form Named Insured and Newly Acquired Entities for any organizations.
• Automatic Additional Insureds.
• Automatic Waiver of Subrogation and Primary Non-Contributory conditions.
• Bodily Injury includes mental anguish, mental injury, shock, fright or death.
• All perils included for property damage to Premises Rented to You Broadened contractual liability.

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• One of the industry’s largest networks, providing coverage in 210 countries and territories.
• Regionally based International Underwriting teams with expertise in navigating foreign legal, licensing and tax requirements.
• A dedicated, 75-person servicing team for international programs.
• Uniform claims-handling globally, with a U.S.-based International Claims Coordinator acting as a single point of contact.