Tech Update: Zurich Launches AI Tool to Boost Multinational Contract Certainty
December 31, 2025
Zurich Insurance Group introduced Zurich Program IQ, an AI-enabled review system built to strengthen contract certainty across multinational programs. The tool supports consistency across regions, jurisdictions, languages, and currencies-where wording drift and sublimit differences often sneak in.
"Multinational insurance programs can be extremely complex, and our customers trust we deliver clarity and consistency across all their markets," said Sierra Signorelli, CEO Commercial Insurance. "Zurich Program IQ is a major step forward allowing us to review thousands of pages of policy wording across the globe to give customers even greater confidence in the coherence of their global insurance programs."
What Program IQ does
Built in-house for Zurich underwriting teams, Program IQ scans sublimits across local policies and the master, then flags mismatches. According to Zurich, these differences can open up unseen exposures, create coverage gaps, and add operational drag. Early detection enables faster correction before bind or renewal, helping ensure customers receive the coverage they expect.
Current scope and roadmap
Today, the system focuses on property natural catastrophe within multinational programs and processes policies in multiple languages. Zurich states that additional lines and features will follow over time.
Why this matters for insurers, brokers, and risk managers
- Sharper contract certainty: surface sublimit conflicts across jurisdictions before they create surprises.
- Time savings: scale review across thousands of pages without blowing up cycle times.
- Multilingual consistency: compare local and master terms even when documents are written in different languages.
- Governance: create a clearer path to document issues found and actions taken.
Questions to ask your Zurich contact
- Which policy types are in scope today, and what's the timeline for additional lines?
- How are sublimit variances defined, prioritized, and documented for remediation?
- What controls exist around data handling, access, and audit trails?
- How will broking partners and local issuing offices be included in the review and fix process?
- What reporting will customers receive at renewal and mid-term?
How to prepare your program for an AI-enabled review
- Centralize current master and local policies, endorsements, and sublimit schedules.
- Set internal thresholds for acceptable variance and escalation paths.
- Map who owns remediation steps by country and line so fixes move quickly.
- Set a cadence to re-check policies after endorsements or mid-term changes.
Source: Zurich Insurance Group
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