Zurich Insurance Middle East S.A.L. Commercial Insurance to protect your business
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1 Zurich Insurance Middle East S.A.L Commercial Insurance to protect your business
2 2 Each business is unique and understanding your needs is at the heart of what we do. We appreciate that one size doesn t fit all, so our Commercial Insurance enables you to choose the right covers to suit your business and specific industry needs.
3 Zurich Commercial Insurance protects your business through the most comprehensive covers. We understand that your business is your livelihood and we are here to ensure business continuity, as well as protect your assets and investment. There are a number of risks that a business faces in today s challenging environment, and it is imperative to safeguard your cash flow to avoid business interruption and loss of profit. With our global expertise and local knowledge, Zurich is well equipped to advise you on the types of risks your business is exposed to, as well as help you mitigate against them. We provide a breadth of commercial cover for small to medium enterprises, with particular focus on the following sectors: Retail Professional services Offices Hospitality Our Commercial Insurance covers are built on strong principles we offer: An experienced and dedicated sales and market underwriting team An in-house claims team with expertise in complex commercial claims management Tailored solutions for more complex businesses 3
4 With Zurich Commercial Insurance you can relax, safe in the knowledge that you ve protected your business. Every business is unique, that s why we offer a wide range of covers for you to choose from. GENERAL INSURANCE BUSINESS INTERRUPTION: From a burst pipe to mechanical failure, there are numerous risks that could affect your business. Our Business Interruption insurance is designed to protect the turnover of your company following an event that results in a loss. It allows you to focus on getting your business back on its feet by maintaining your cash flow. BURGLARY: A burglary at your business premises results in consequential financial losses, large or small. Our product covers damage to property, loss of stock/goods, as well as any cash or valuables kept in a locked safe. We will not only provide you with the most comprehensive cover, we will also advise you on how to prevent a burglary from happening in the first place through tailored risk assessment. MARINE CARGO: When in transit, your cargo is vulnerable to a host of risks such as breakage, piracy, theft, fire and the sinking of the vessel. Our product provides all risk insurance on exports/imports worldwide, by any method of transportation. DIRECTORS AND OFFICERS: The threat of litigation is growing in all businesses and the legal, financial and personal consequences for corporate leaders and their companies can be enormous. Our product, regardless of your industry or type of business, can help manage the potential liability exposure faced by executives of local and global organisations. ELECTRONIC EQUIPMENT: Your servers, computers and systems, form the nuts and bolts of your business and you can t operate without them. Our product provides comprehensive cover for the insurance needs of all your electronic equipment. EMPLOYEE FRAUD: It is important to establish stringent controls to prevent employee fraud as well as have the right protection in place to safeguard your business against the consequences. Our Employee Fraud insurance protects your business against such malpractice to ensure minimal business interruption. 4
5 GENERAL LIABILITY: Your business can be crippled financially if you are held legally responsible for a third party claim for bodily injury or property damage. Our product is designed to cover medical expenses and legal fees, allowing you to manage your cash flow and continue day-to-day business operations. GLASS: Replacing damaged glass can be expensive and a broken shop front window leaves your business premises and its contents exposed. We cover accidental damage, the repair and replacement of glass including windows, mirrors and glass doors, as well as damaged stock. GROUP TRAVEL: While travelling for business purposes, employees face a host of risks from lost luggage to political unrest. Our proposition includes global cover for medical expenses, flight delay, trip cancellation, baggage, money and compassionate visits. MACHINERY BREAKDOWN: All machinery is vulnerable to breakdown irrespective of their quality and reliability. We will protect your business against sudden or unexpected machinery failure which can lead to significant financial losses or damage to goods. Our cover includes repair and replacement costs. MONEY: Businesses dealing with money in transit or over the counter are exposed to potential risks. Our Money insurance protects your cash while it s in transit or stored in a safe. It includes cover for the repair and replacement of locks, and the opening of safes and strong-rooms. MOTOR FLEET: Keeping your fleet of vehicles on the road is an expensive business and traffic accidents are a major risk. We provide high levels of protection at an affordable price, including physical loss, damage and third party liability. It is designed to help prevent loss and business interruption, whilst working to reduce accidents and claims costs. 5
6 PERSONAL ACCIDENT: Your everyday business can be impacted by accidents and injuries either to yourself or employees, that lead to unexpected expenses and disruption of services. Our proposition has a wide range of benefits and optional covers, including lump sum payment, annual medical expenses and 24 hour worldwide coverage. PROFESSIONAL INDEMNITY: Entities can face financial loss resulting from their legal liability to third parties arising from errors or omissions committed in the conduct of its professional activities and duties. Our Professional Indemnity insurance is designed to give you the flexibility you need to address ever-changing exposures. PROPERTY BUILDING: It is essential to protect your business premises and the contents attached to the building e.g. machinery and stock assets. We believe in total property protection, which is why we ve developed a proposition with a wide range of extensions that benefit our customers. WORKMEN S COMPENSATION: As the owner of your company, if an employee is injured at work, you may be faced with ongoing medical and legal costs. Our product will protect your business under these circumstances, preventing any strain on your balance sheet. LIFE INSURANCE KEY PERSON PROTECTION * : Losing a key person such as a top performing sales person could cause your business financial losses via reduced sales, recruitment/training costs and disruption to your predicted sales plan. Key person protection provides businesses with a life insurance plan (with optional critical illness cover), written on the life of the key person. LIABILITY PROTECTION * : If one of your business partners is diagnosed with a critical illness or dies, it could affect your business ability to repay a loan or personal guarantee. This in turn could put your business profitability at risk as your bank may decide to recall a loan or take control of other assets. Liability protection ensures your business can repay any money owed. PARTNER PROTECTION * : If a business partner or major shareholder dies, the family of the deceased are likely to inherit their share of the business, while the surviving partners may struggle to find the funds to buy out the family s share. Partner protection allows the surviving partners to keep control of the business, while providing the family of the deceased with financial security. 6 * Keyperson, Liability and Partner protection are provided by Zurich International Life.
7 Extra peace of mind with Zurich At Zurich, we have over 140 years experience of protecting our customers against the unexpected, and we pride ourselves on providing high quality insurance solutions to customers in more than 170 countries. As a Zurich customer, you ll benefit from being with one of the leading and most secure financial services groups in the world. Our global expertise, combined with our regional understanding, means that you can be sure you will benefit from products and services tailored to your individual needs. This means you ll get the personalised service and expertise that you d expect from a truly global insurance company. Our underwriting expertise, combined with our customer centric approach, means we have a product portfolio that contains distinct and specialist market propositions tailored to meet customers evolving needs. Zurich in the Middle East Zurich has been serving customers in the Middle East for over 25 years. Our commitment to the region has seen us expand our business and we now provide Business Insurance solutions to customers in Oman, Kuwait, Lebanon, Bahrain and the UAE. 7
8 Get in touch To request a consultation for Commercial Insurance, please contact your broker. 8
9 136977A02 (06/14) ZCA Zurich Insurance Middle East S.A.L. Registered under Insurance Companies Register Certificate No.48 and authorised by the UAE Insurance Authority.
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