Zurich business insurance
Solutions for small businesses to global insurance for multinational corporations
Zurich Australia provides a variety of business insurance product lines to Australian businesses: Business Pack, Motor, Property, Marine, Liability, Financial Lines, Workers Compensation (WA and TAS only), Accident & Health, Business & Corporate Travel and Energy insurance. Zurich business insurance in Australia is available through insurance brokers.
Which Zurich business insurance product is right for you?
A licensed insurance broker can assess your operations and recommend the appropriate combination.
Zurich Business Insurance (Business Pack)
A flexible package for Australian small-to-medium enterprises (SMEs) combining property, liability and business interruption cover in a single policy.
Typical users: retailers, tradespeople, professional services firms and light manufacturers seeking one consolidated policy instead of multiple standalone covers.
Zurich Motor Insurance
Cover for commercial sedans, utes, trucks, trailers and mobile plant equipment, from single vehicles to entire fleets under one policy.
Designed for transport operators, trades businesses and corporate fleets requiring flexible schedules and fleet-level underwriting.
Zurich Property Insurance
Protection for commercial buildings, physical assets and loss of rental income following events such as fire, theft, storm or flood.
Suitable for property owners, landlords and businesses holding significant physical assets on-site.
Zurich Marine Insurance
Cargo, transit and marine liability cover for goods moved by sea, road, rail or air.
Available as single-transit, annual cargo or marine industry operator policies, used by importers, exporters, freight forwarders and marine trade businesses.
Zurich Liability Insurance
Our Combined General Liability Insurance protects businesses against the significant costs associated with claims for property damage or third-party injury. It covers:
- Third party personal injury
- Third party property damage
- Advertising liability
We also offer Excess Liability and Umbrella Liability insurance.
Zurich Financial Lines Insurance
Protection for directors, officers and organisations against claims arising from official decisions, employment practices, commercial crime or cyber breaches.
Covers include Directors & Officers (D&O), Employment Practices Liability, Crime and Cyber.
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Zurich Workers Compensation Insurance (WA & TAS)
Statutory Workers Compensation for employers operating in Western Australia and Tasmania only, covering financial claims from work-related injuries or occupational diseases suffered by employees.
Zurich is a licensed insurer under the WA and TAS workers compensation schemes.
Zurich Accident and Health Insurance
Cover designed to protect employees and key personnel against financial strain following an accidental injury or sickness.
Used by employers for group personal accident, journey cover and voluntary workers cover.
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Zurich Business & Corporate Travel Insurance
Travel insurance for employees on authorised business travel, covering overseas medical expenses, trip cancellation and lost baggage.
Suitable for organisations with regular international or domestic corporate travel.
Zurich Energy Insurance
Technical insurance and risk engineering for the onshore energy industry, including power generation, renewables, oil and gas processing and related infrastructure.
Delivered by Zurich's specialty energy underwriters and risk engineers.
Why do you need an insurance broker to buy Zurich business insurance?
Zurich Australia distributes business insurance through insurance brokers because commercial insurance often involves complex risks that benefit from professional advice. An insurance broker:
- Assesses your specific business risks
- Recommends appropriate cover from multiple insurers, including Zurich
- Negotiates policy terms with underwriters on your behalf
- Assists you throughout the claims process
Find an insurance broker
Find an insurance broker via the free NIBA* (National Insurance Brokers Association) Need a broker service or call NIBA on 1300 53 10 73.
*NIBA is the peak body for professional insurance brokers in Australia.
Award-winning service
Zurich has been recognised by the broker community in the 2026 Insurance Business Australia 'Brokers on Insurers' survey across key performance categories.
Frequently asked questions
Business Insurance is a bundled Business Pack designed for SMEs and combines property, liability and business interruption. Property Insurance is a standalone product for businesses with significant commercial property or asset exposures.
No. Zurich provides Statutory Workers Compensation cover only in Western Australia (WA) and Tasmania (TAS). Employers in other states and territories must obtain cover from the relevant state scheme or insurer.
Zurich underwrites SMEs through to large corporates across sectors including transport, manufacturing, property, professional services, marine trade and energy. Speak to a broker to confirm suitability for your industry.