Zurich Cyber Insurance Policy – Concierge Suite
Zurich Cyber Insurance Policy – Concierge Suite is a cyber insurance product underwritten by Zurich American Insurance Company (Zurich Insurance Group (Switzerland)), available in USA. It is aimed at mid-market companies. Coverage limits reach up to Bespoke; middle market limits; admitted product.. The policy extends beyond standard cyber liability with Cyber crime / FTF. Policyholders get 8 bundled proactive services — Vulnerability scanning, Penetration testing, Threat intelligence and MDR / EDR, among others — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A+ (Superior) – AM Best. It is distributed through insurance brokers.
Product Details§ 01
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
Frequently asked questions§ 04
+Who is Zurich Cyber Insurance Policy – Concierge Suite designed for?
Zurich Cyber Insurance Policy – Concierge Suite by Zurich American Insurance Company targets mid-market companies in USA. Geographic scope: USA (admitted in 46 states)..
+What proactive security services are included with Zurich Cyber Insurance Policy – Concierge Suite?
The policy bundles 8 proactive services: Vulnerability scanning, Penetration testing, Threat intelligence, MDR / EDR, Risk assessment, Incident response, Pre-breach advisory and Cyber risk engineering. These preventive services are typically included in the premium.
+Does Zurich Cyber Insurance Policy – Concierge Suite help with NIS2 or DORA compliance?
Zurich American Insurance Company indicates the following NIS2/DORA support for this product: Not applicable..
+How can I buy Zurich Cyber Insurance Policy – Concierge Suite in USA?
Zurich Cyber Insurance Policy – Concierge Suite is sold through insurance brokers — broker contact: https://www.zurichna.com/brokers. Compare it with alternatives in USA on Ryskly before approaching a broker.