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Zurich Prime

Powerfully consistent wherever you operate

Zurich Prime International Property Damage and Business Interruption Policy

To protect your property in a consistent manner across the globe we have introduced the Zurich Prime International Property Damage and Business Interruption Policy, which is Zurich’s worldwide standard wording for international property damage and business interruption programs.


Zurich Prime is a policy for any company operating in multiple countries who is looking for consistent approach in protecting its property globally.


building all risks












  • A list of extensions you can select from

    Accounts Receivable
    Additional Increased Cost of Working
    Extra Expense
    Ammonia Contamination1
    Backup of Sewer, Drain, or Sump2
    Brands and Labels
    Capital Additions
    Claims Preparation Expenses3
    Contingent Business Interruption
    Specified Customers/Suppliers
    Contingent Business Interruption
    Unspecified Customers/Suppliers
    Contingent Business Interruption
    Attraction Properties3
    Civil or Military Authority PD
    Civil Authority BI
    Debris Removal
    Public Authorities
    Denial of Access/Ingress, Egress
    Deterioration of Stock
    Expediting Costs
    Fine Arts
    Fire Brigade Charges
    Inflation for Building3
    Inland Transit
    Inter-Group Dependencies (Interdependencies)
    Land Improvements
    Loss of Rent (Rental Value)
    Margin Clause3
    Miscellaneous Unnamed Locations
    Molten Material3
    Motor Vehicles (licensed for road use)
    Moulds (Patterns, Models, Forms)3
    Newly Acquired Location
    Off Premises Service Interruption PD & BI Loss (Public Utilities)
    Personal Property of Officers, Employees and Visitors of Insured
    Pollution – Clean Up3
    Professional Fees
    Property under Construction3
    Protection and Preservation of Property
    Research & Development
    Temporary Removal
    Tenants & Neighbors Liability4
    Third Party Property
    Valuable Papers and Records (Reconstruction Cost)

    1 Covered under Deterioration of Stock, additional extension available soon
    2 Other than caused by Flood
    3 Available soon
    4 In countries where legally required

  • Additional standard endorsements

    A number of additional extensions and endorsements will be available in the near future not only for the Zurich Prime master policies, but also for the Zurich Prime local policies to accommodate:

    • individual customer and coverage needs in the country of the master policy
    • specific (non-mandatory) coverages that are the local standard in the receiving countries.


  • Transparency and Consistency
  • Cost Efficiency
  • Clarity about agreed terms
  • Fast and Efficient issuing of policies
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Same coverage everywhere

Zurich Prime provides the same coverage to protect your property across all countries, while respecting local regulatory and mandatory provisions.

Consistent overview of what is covered

This increases transparency and efficiency at all levels and provides you with a consistent overview of what is covered across your policies.

Less complexity in the policy despite of the complex environment

Our approach helps increase the clarity of what is covered under local policies in different countries and reduces program complexity.

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All the other advantages and the reduced risk of leakage (provision of unintended cover) will result in cost benefits, which make the Prime solution most attractive for you as a Zurich International Program customer.

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The wording is part of the proposal for a Zurich International Program, meaning the agreed coverage terms for the local policies (and not just the Master Policy) are clearly defined and there are no surprises after the program has been concluded. This is a unique feature in the market. We understand that terminology such as “good local standard” with uncertain meaning does not represent sufficient clarity and contract certainty at the time of binding a program.

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Having local policy coverage and terms agreed from the binding of the International Program will ensure a fast and efficient issuance of the local policies. There is no need for making coverage comparisons and lengthy adaptations of local standard policies in an attempt to align with the Master Policy coverage, which has proved not to be a sustainable or viable approach. The time saved by using a global standard wording helps to reduce the time used for clarification and verification of local terms, and saves time at all levels. We also use a standard policy endorsement library to add more flexibility to cater for specific customer needs, while ensuring an efficient and consistent approach.



Brazil, Denmark, Finland, HongKong, Japan, Norway, Sweden, UK


North America (At the moment we issue Zurich Edge) Canada, United States
Europe Middle East and Africa Algeria, Austria, Bahrain, Bangladesh, Belgium, Cameroon, Botswana, Croatia, Cyprus, Czech Rep, Denmark, Estonia, Finland , France, Germany, Ghana, Hungary, Ireland, Italy, Jordan, Kenya, Kuwait, Latvia, Lebanon, Libya, Lithuania, Mauritania, Morocco, Mozambique, Netherlands, Nigeria, Norway, Oman, Portugal, Qatar, Romania, Russia, Serbia, Seychelles, Slovakia, South Africa, Spain, Sweden, Switzerland, Tanzania, Tunisia, Turkey, Uganda, United Arab Emirates, UK, Ukraine, Zambia, Zimbabwe
LatAm Brazil, Chile , Colombia, Costa Rica, Dominican Rep., Ecuador, El Salvador, Guatemala, Honduras, Haiti, Nicaragua, Panama, Peru, Trinidad and Tobago, Uruguay
APAC Australia, Hong Kong, Japan,Indonesia, Kazakhstan, Myanmar, New Zealand, Pakistan, Philippines, Singapore,Sri Lanka, Taiwan, Thailand,Vietnam,


English, French, Dutch, Portuguese, Czech, Spanish, German, Hungarian, Bahasi Indonesia, Italian, Russian, Slovak, Swedish, Ukranian

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Products and services vary by country
Because the needs of our customers are different, our products and services also vary around the world. Insurance and financial products and services are provided by licensed members of the Zurich Insurance Group (Zurich). Not all products or services listed are available in all jurisdictions or to all customers. Please contact your local Zurich office for details about the relevant products and services in your country. No warranties or guarantees are being made by Zurich based on statements on this website.


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