Zurich Cyber Insurance Policy (ZCIP)
Zurich Cyber Insurance Policy (ZCIP) is a cyber insurance product underwritten by Zurich Insurance Company Ltd – North America (Zurich North America) (Zurich Insurance Group (Switzerland)), available in USA. It is aimed at large enterprises and multinational groups. Coverage limits reach up to Bespoke; large enterprise capacity.. The policy extends beyond standard cyber liability with Cyber crime / FTF and Primary & excess. 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; cyber insurance for qualified large companies.
- Zurich Cyber Insurance Policy (ZCIP): flagship cyber policy for large and mid-to-large enterprises; bespoke per risk; primary and excess placements available; worldwide coverage.
- Zurich Resilience Solutions (ZRS): dedicated risk engineering team for all ZCIP policyholders — pre-loss cyber risk engineering consultation; vulnerability management and network security monitoring; complimentary onboarding with ZRS Cyber Risk Engineers.
- SpearTip partnership (via Zurich Resilience Solutions): 24/7 Security Operations Centre; MDR — active endpoint and user monitoring; incident response; penetration testing; risk assessments; all backed by Zurich and available to policyholders.
- ZenOpz partnership: complimentary 24/7 network security monitoring and vulnerability management for ZCIP policyholders — initial 360-degree data security programme review; first 50 endpoints at no additional cost.
- Coverage: first-party (business interruption, data recovery, system restoration, extortion costs, cyber crime/FTF) and third-party (privacy liability, regulatory investigations and fines, network security liability, media liability).
- Dedicated Cyber Claims team: experienced attorneys with deep cyber knowledge; claims and recovery support.
- Zurich Cyber Event Resources: curated pre-vetted vendor panel for rapid incident response.
- Broad industry appetite: agriculture to technology; large and multinational companies.
Limitations
- Large enterprise focus — designed for qualified larger companies.
- Bespoke underwriting; no standard e-trade or admitted product.
- Broker-only distribution.
- US domestic and global risks via Zurich multinational network.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is Zurich Cyber Insurance Policy (ZCIP) designed for?
Zurich Cyber Insurance Policy (ZCIP) by Zurich Insurance Company Ltd – North America (Zurich North America) targets large enterprises and multinational groups in USA. Geographic scope: Global (US and multinational)..
+What proactive security services are included with Zurich Cyber Insurance Policy (ZCIP)?
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 (ZCIP) help with NIS2 or DORA compliance?
Zurich Insurance Company Ltd – North America (Zurich North America) indicates the following NIS2/DORA support for this product: Not applicable..
+How can I buy Zurich Cyber Insurance Policy (ZCIP) in USA?
Zurich Cyber Insurance Policy (ZCIP) is sold through insurance brokers — broker contact: https://www.zurichna.com/. Compare it with alternatives in USA on Ryskly before approaching a broker.