🇺🇸 USA
Zurich American Insurance Company (Zurich Insurance Group (Switzerland))

Zurich Cyber Insurance Policy – Concierge Suite

by Zurich American Insurance Company
B2BA+Direct—Broker onlyUSA (admitted in 46 states)English
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Last updated 46143

Product Details§ 01

Max Insurance Limit
Bespoke; middle market limits; admitted product.
Min Premium / Revenue
Middle market; no published minimum; businesses without large in-house security teams.
Market Focus
MID
Coverage
Cyber crime / FTF
AM Best Rating
A+ (Superior) – AM Best
MGA / Direct
No – Direct insurer.
Policy Language
English
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
USA (admitted in 46 states).
Broker Only
Yes

Advantages & Limitations§ 02

Advantages

  • Zurich American Insurance Company: one of the largest US commercial P&C insurers; 20+ years' cyber expertise; A+ (Superior) AM Best.
  • Zurich Cyber Insurance Policy – Concierge Suite (Cyber Concierge): turnkey cyber insurance for the middle market; launched July 2023; combines insurance coverage with built-in loss-prevention and resilience services — designed to bridge the "cyber resource gap" for mid-sized businesses without dedicated security teams.
  • Admitted in 46 US states — regional brokers can offer without a special surplus lines licence, removing a distribution barrier for the middle market.
  • Built-in services (included, not optional): breach coach; 24/7 cybersecurity hotline; triage when network security is threatened; incident response teams to identify attackers and contain impact; support restoring and recovering critical operations; data breach notification assistance; credit monitoring assistance.
  • Complimentary onboarding session with Zurich Resilience Solutions (ZRS) Cyber Risk Engineers: recommended steps to prevent and recover from losses.
  • Coverage: first-party cyber events (BI, data recovery, extortion, cyber crime) and third-party claims (privacy liability, regulatory fines, network security liability).
  • Dedicated Cyber Claims team: experienced attorneys with deep cyber knowledge.
  • Available as complement to other Zurich property or casualty coverage; suitable for businesses lacking in-house cybersecurity expertise.

Limitations

  • Middle market focus — businesses without extensive in-house cybersecurity teams.
  • Admitted in 46 states (not all states; check availability).
  • Broker distribution (retail and regional); no special surplus lines licence required.
  • Zurich continues to offer ZCIP for qualified larger companies separately.

Contact & Response§ 03

Customer Contact
https://www.zurichna.com/insurance/cyber cyberRE@zurichna.com
24/7 Crisis Hotline
24/7 cybersecurity hotline (built into product); cyberRE@zurichna.com
Broker Contact
https://www.zurichna.com/brokers