Zurich North America is a leading commercial property-casualty insurance provider serving the multinational, middle market and small business sectors in the United States and Canada. Headquartered in Schaumburg, Ill., Zurich North America has about 12,000 employees and wrote $15.5 billion in premiums in 2003. Zurich North America includes the Zurich U.S. business units (Corporate Customer, Middle Markets, Small Business, Construction, Specialties, Zurich Global Energy and Empire Insurance Companies), as well as Universal Underwriters Group, Zurich North America Canada, Zurich Corporate Solutions and Centre.