Industries We Serve

Specialty practices where we work deepest, plus 24 industries across commercial and personal lines.

Specialty Practices

Habitational & Multifamily

Deep expertise in apartment buildings, HOAs, mixed-use properties, and large residential portfolios, including hard-to-place risks.

Cannabis

Purpose-built coverage for licensed cultivators, processors, dispensaries, and ancillary businesses operating under strict state regulation.

Construction

Builders risk, wrap-ups, and contractor liability programs for general contractors, subcontractors, and developers of all sizes.

Real Estate

Comprehensive protection for property owners, managers, investors, and REITs across commercial and residential portfolios.

Financial Institutions

Specialized programs for banks, credit unions, investment advisors, and financial services firms with unique regulatory exposures.

Nonprofit

Coverage for 501(c)(3) organizations, charities, associations, and foundations that protects mission-driven work.

Cyber Risk

Cyber is one of the largest parts of ZRM’s book. Program design, gap analysis, and incident response planning for businesses facing ransomware, wire fraud, and data breach exposure.

All Industries

We serve businesses across 24 industries. Click any industry to explore coverage options.

Ready to Protect Your Business?

talk to daniel directly.

See what your current policy misses.

  • Send us your current policy and we’ll read every line

  • You get a written rundown of the gaps at no cost

  • A principal who knows your industry handles the placement