Casualty Insurance

Casualty coverage for SMEs and mid-corporate organizations

Allianz Global Corporate & Specialty (AGCS) provides SMEs and mid-corporate organizations with a wide range of commercial automobile, workers' compensation, and umbrella insurance solutions.

Backed up by our market-leading capacity, your broker will work closely with you to help you select a policy that provides the best coverage for your business's precise needs.

Our Commercial Automobile Insurance solutions offers flexible coverage, whether you use a single van or a fleet of trucks for your store, service or commercial business.
  • extended coverage for additional drivers
  • protection for your employees' cars if they use them for your business
  • new vehicle replacement after a total loss (for up to its first three model years)
  • an opportunity to upgrade a new vehicle to a hybrid model, perfect for helping the environment
Our Umbrella Insurance fills in the gaps of your existing insurance to give you total protection. It’s an ideal choice for many industries, whether you're a restaurant owner in need of liability protection for foodborne illnesses or a manufacturer worried about product safety.
  • excess limits of up to $50 million, so you can protect your assets and income from verdicts exceeding your primary policy’s limits
  • Commercial and Personal Excess (CAPE®) — personal umbrella endorsement with limits of up to $25 million that can be added to your company policy, providing extra protection for executives
Our Workers' Compensation Insurance provides comprehensive coverage against all types of risk, including workplace-related lawsuits, absenteeism, and medical costs. You'll also benefit from additional features, including SmartCARE®, our employee claims management program. Click 'Features included' for more information.

SmartCARE® Employee Safety & Claims Management Program: A suite of risk-improvement solutions, based on recommendations from our expert claims and risk services team. SmartCARE combines risk management before an accident or illness with a swift claims service, helping to reduce claims and reduce costs.

Return-to-Work Extra Expense: Enrol in SmartCARE and you'll gain access to Return-To-Work Extra Expense, which will lets us help you the evaluation and costing of workplace-modifications.

The products and services described on this page may not be available in all AGCS locations. Please contact your local office for full information on local product availability.
The manufacturing industry is undergoing radical change as business evolves from traditional operations to "smart", interconnected, data-driven processes and facilities. As manufacturing evolves, so do risks.
Amoli Patel, Global Head of Agribusiness and Karen Walter, West Zone Agribusiness Executive discuss the long term effects wildfires can have not only in California, but across the globe.

Annual survey identifying business risks

Technology is breeding new threats as well as business models. Traditional risks such as natural catastrophes continue to challenge while other threats such as cyber, neck-and-neck with business interruption at the top of the Allianz Risk Barometer 2019 for the first time, reputational risk, increasing exposure to intangible assets and volatility and consolidation in the corporate environment evolve daily.

Top 3 risks for small enterprise companies

  1. Cyber incidents (32%) - 2018 rank: 2 (30%)
  2. Changes in legislation and regulation (30%) - 2018 rank: 5 (22%)
  3. Natural catastrophes (27%) - 2018 rank: 3 (28%)
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With the Allianz network AGCS provides services in over 200 countries and territories.