Frequently Asked Questions

Who is Zurich?

Zurich (www.zurichna.com) refers to Zurich American Insurance Company and its underwriting subsidiaries, a leading commercial property and casualty provider in the United States. Zurich is an "A" rated company*, and is a member of the worldwide Zurich Financial Services group of companies, which has been serving businesses for nearly 130 years.

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Who is the insurance company that underwrites these policies?

Insurance coverages are underwritten by Zurich American Insurance Company and its subsidiaries.

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Who is Zurich InsuranceLink?

Zurich InsuranceLink is the brand name of the Zurich Insurance Services, Inc.**, a licensed, independent insurance agency that works with Zurich to bring you a Commercial insurance program. All insurance coverages written through the Commercial insurance program are written through the agency of Zurich InsuranceLink.

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What is a builders risk policy?

A Zurich Builders Risk policy covers your financial interests during the course of a construction project. The policy covers property such as building materials from the time they are delivered to the site until the structure is sold or other insurance coverage, such as a homeowner's policy, is in place. Zurich Builders Risk policies also provide coverage for theft of building materials, materials in transit or at temporary locations, certain landscaping and much more.

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How long will it take to get a quote?

Contact InsuranceLink and one of our dedicated agents who specialize in Builders Risk will be happy to provide with a quote in under 5 minutes. Our dedicated team of licensed Builders Risk agents is available from 7:30 am to 7:30 pm (EST) Monday through Friday. Call 1-800-431-4836 today.

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Is coverage available in all states?

The Builders Risk policy is available in all states except Hawaii and the District of Columbia.

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What happens if I have a loss?

If you have a covered loss, the Builders Risk Policy will pay to restore your construction project to where it was just prior to the loss.

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When does coverage begin?

Once a Zurich Builders Risk insurance policy is issued, coverage begins when you become legally responsible for the covered property on or after the effective date of the policy. As soon as materials are delivered to the job site, your builders risk policy starts protecting you. You should obtain a Zurich Builders Risk policy prior to beginning construction to ensure that your project is properly covered.

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How much coverage is needed?

You should obtain builders risk coverage for the total estimated complete value of the project. In general, this amount is the selling price of the home or building minus the cost of the land. Builders can also opt to include a reasonable profit in the coverage amount.

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How long can the policy cover me?

Single start "one shot" new construction policies are issued on an annual basis and can be renewed once. A third year of coverage may be available for a higher premium. Reporting form policies for builders with multiple starts can also provide coverage for a maximum of three years. Remodeler policies allow up to two years of coverage.

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Who do I contact if I want more information on Zurich's Course of Construction Program?

Our dedicated team of licensed Builders Risk agents is available from 7:30 am to 7:30 pm (EST) Monday through Friday and our number one priority is providing elite service to you and your customers.

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*2008 AM Best Rating

** Zurich Insurance Services, Inc. ("ZIS") is located at 5011 Gate Parkway, Jacksonville, Florida 32256; its California license number is 0D44490. ZIS is licensed in all 50 states plus DC. ZIS is an independent agency, and is not a subsidiary of Zurich.

Do you need assistance?

Call one of our licensed professional Agents at 1-800-431-4836 from 7:30 AM to 7:30 PM EST, Monday through Friday. Receive a No Obligation Quote over the phone.

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*A.M. Best 2008 Ratings