---
title: "Beazley vs Zurich U.S."
description: "Beazley markets specialist products such as MediaTech; Zurich U.S. describes a broad commercial property-casualty and specialty portfolio."
canonical: "https://spot.insure/compare/beazley-vs-zurich"
page-type: "provider-comparison"
updated-at: "2026-09-29"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-zurich)

# Beazley vs Zurich U.S.

Beazley markets specialist products such as MediaTech; Zurich U.S. describes a broad commercial property-casualty and specialty portfolio.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Beazley’s MediaTech combines several liability sections in one form for smaller technology businesses; Zurich U.S. describes a broader commercial portfolio with multiple issuing insurers. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") [51](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [56](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Beazley

Role: Hybrid role.

Broker Spot Score: **6.9/10** (partial score; 30% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.); Disclosure Clarity (The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries.).

Carrier & MGA Spot Score: **5.5/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best shows all three US insurers at A u (Excellent), Under Review — Positive implications, but no US statutory capital or surplus is available for any of them, and the capital figures held are Beazley plc group measures. The issuing entity’s own resources are not established.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/beazley/reliability).

### Zurich U.S.

Role: Insurance carrier.

Carrier & MGA Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2026-10-29.

Read the [full reliability assessment](https://spot.insure/insurance-providers/zurich/reliability).

## Beazley Reviews

Review Score: 5.6 / 10 from 1 rated source, equally weighted.

Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.

- WalletHub: WalletHub aggregate rating 2.8 (5 stars); 15 reviews. WalletHub profile for Beazley Insurance Company; mixed business, professional-liability and health-insurance product labels and user/cross-site reviews. Product issuer/entity relationship is not resolved for every review. Period: page updated 2026-01-08. Checked 2026-09-25. [Beazley Insurance Company Reviews: 15 User Ratings](https://wallethub.com/profile/bi/beazley-insurance-company-13013121i)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/beazley/reviews).

## Zurich U.S. Reviews

Review Score: not enough ratings.

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Introduction

The clearest overlap is technology professional risk, but the product structures and issuing entities differ. Compare the actual application, policy form and named insurer.



## Coverage Comparison

| Coverage Type | Beazley | Zurich U.S. |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation. [50](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Not listed | Listed: Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes. [35](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis. [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") | Listed: Zurich markets commercial property insurance. [33](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Beazley offers commercial crime insurance. [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Listed: Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms. [27](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Beazley offers cyber insurance for small and midsized businesses. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") | Listed: Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product. [30](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Beazley offers directors and officers liability insurance for private organizations through ExecuGuard. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed: Zurich markets directors and officers liability insurance. [23](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Beazley offers employment practices liability insurance for private organizations through ExecuGuard. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed: Zurich markets Employment Practices Liability Insurance (EPLI). [25](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed: Beazley offers fidelity bonds for financial institutions. [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Listed: Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability. [28](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Beazley offers fiduciary liability insurance for private organizations through ExecuGuard. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed: Zurich markets fiduciary liability insurance. [23](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Beazley offers general liability insurance in packages such as its environmental-services policy. [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Listed: Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims. [22](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance") [21](https://www.zurichna.com/insurance "Business insurance for public & private companies | Zurich") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: Beazley offers hired and non-owned auto coverage within its environmental-services package. [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Beazley offers management liability insurance for private organizations through ExecuGuard. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed: Zurich markets a management liability portfolio with multiple distinct lines. [23](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") |
| [Media liability](https://spot.insure/coverage/media) | Listed: Beazley offers media liability insurance through MediaTech for small technology and business-services companies. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Not listed |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Listed: Beazley offers medical professional liability insurance for digital-health businesses and middle-to-large life-sciences organizations. [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: Beazley offers product liability insurance for middle-to-large life-sciences organizations. [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Not listed |
| [Product recall](https://spot.insure/coverage/product-recall) | Listed: Beazley offers product recall insurance through its manufacturing risk product. [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Listed: Zurich markets professional errors and omissions insurance. [29](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: Beazley offers representations and warranties insurance. [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") | Not listed |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: Zurich markets construction and corporate surety bonds. [36](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Listed: Zurich markets technology errors and omissions insurance. [29](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: Zurich’s commercial property page separately lists Inland Marine coverages, including contractors’ equipment and warehouse liability; do not equate its broader Marine portfolio with this line. [33](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Not listed | Listed: Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit. [32](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") |
| [Virtual care and telehealth](https://spot.insure/coverage/virtual-care-telehealth) | Listed: Beazley offers virtual care insurance for digital-health businesses. [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Not listed | Listed: Zurich markets workers’ compensation insurance. [49](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Beazley and Zurich U.S.

### Specialist product and insurer identity

Beazley’s MediaTech materials combine technology and non-technology professional liability, media and cyber sections in one form. Its April 2022 Digital Media Tech application names Beazley Insurance Company, Inc. and says liability coverage is claims-made and reported, with claims expenses reducing and potentially exhausting the limit. Those details apply to that application, not every Beazley policy. Zurich markets cyber, professional E&O and technology E&O separately across its catalogue; that does not establish equivalent terms. Ask for the current forms and named insurer for the exact quote. Zurich’s terms list multiple U.S. insurers and identify Zurich American Insurance Company as the operator of its online services, not as issuer of every Zurich-branded policy. Ask each channel to name the legal insurer on the proposed policy and provide the applicable forms.

MediaTech puts technology and professional E&O, media liability and cyber in one package; Beazley lists breach response, business interruption, dependent interruption, extortion, data recovery and eCrime up to $5 million, but the issued policy sets actual coverage. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.)



Check the insurer named on your quote: Beazley’s Digital Media Tech application names Beazley Insurance Company, Inc., while other US business can use Beazley Excess and Surplus Insurance, Inc. or Lloyd’s syndicates. These examples do not identify the issuer for every MediaTech quote. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [7](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf "US Contingency Toolkit") (Evidence: Company-reported; scope: Application F00859 042022 and general US toolkit disclosure; no blanket insurer assignment.; verified: 2026-09-16.)



Zurich American Insurance Company operates ZurichNA.com online services. Zurich Insurance Group reported 100% ownership and voting rights in Zurich American Insurance Company at December 31, 2025; Zurich’s terms list multiple U.S. insurance companies. [53](https://www.zurichna.com/services/terms-of-use "Terms of Use from Zurich U.S. | Zurich Insurance") [54](https://www.zurich.com/-/media-assets/project/zurich/dotcom/investor-relations/docs/results/2025/q4/consolidated-financial-statements-annual-results-2025.pdf "Zurich Insurance Group Annual Results 2025") (Evidence: Company-reported; scope: Website operation and dated parent ownership only; ZAIC is not established as issuer for every Zurich U.S. policy. Confirm the named insurer in the quote or policy.; verified: 2026-09-29.)



### Audience and application materials

Beazley describes MediaTech for small technology and business-services companies, with an application asking about services, products, employee count, U.S. and foreign revenue, financial statements and expected changes. Zurich describes Middle Market through large or national accounts across multiple industries and directs buyers to agents and brokers. A smaller technology business can use the MediaTech application as a preparation list, but neither an application nor a stated target segment guarantees eligibility. For Zurich, ask the agent what account information the selected line requires.

Small technology and business-services companies can consider MediaTech; digital-health buyers can look at Virtual Care, while Beazley’s Life Sciences offering targets middle and large organizations. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Product-specific audiences; funding stage is not an eligibility criterion established by these sources.; verified: 2026-09-16.)



Prepare company services, products, employee count, US and foreign revenue, financial statements and expected changes for a MediaTech application; Beazley accepts placement through third-party platforms or email, but submission is not acceptance or binding. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Published small-business placement description and F00859 042022; no application submitted or binding time tested.; verified: 2026-09-16.)



Zurich U.S. describes serving Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction, manufacturing and technology. [51](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [56](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") (Evidence: Company-reported; scope: Company-reported U.S. customer positioning; examples do not establish that a specific risk is eligible.; verified: 2026-09-29.)



Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. [56](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [57](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.; verified: 2026-09-29.)



### Claim and renewal questions

Beazley provides a notice-of-loss form and U.S. claims email, but its cited materials direct policyholders to follow their policy and do not promise a response time. Zurich lists web, portal and phone claim-notice routes and says it acknowledges a reported claim within 24 hours before adjuster assignment; that is a company-stated workflow, not a claim outcome or handling-quality measure. Beazley publishes a MediaTech renewal application without a renewal guarantee; Zurich’s reviewed servicing pages do not explain renewal handling. Confirm notice deadlines, administrator, renewal owner and escalation route in the proposed policy and service agreement.

Keep the policy’s own notice instructions handy: Beazley provides a notice-of-loss form and US claims email, but those channels do not promise handling quality or establish that a loss is covered. [8](https://www.beazley.com/en-us/notify-a-claim/ "Notify a Claim") (Evidence: Company-reported; scope: Public US notice channels; no claim submitted or outcomes independently assessed.; verified: 2026-09-16.)



Do not assume renewal or service speed: Beazley publishes a MediaTech renewal application, but no guarantee, dedicated account manager or policy-change turnaround was established. [4](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf "Beazley MediaTech Renewal Application") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: Public renewal document and service description; no policyholder account or service performance tested.; verified: 2026-09-16.)



Zurich lists web, portal and phone claim-notice routes and says it acknowledges reported claims within 24 hours before adjuster assignment; its Customer Care Center is described as available 24/7. [59](https://www.zurichna.com/claims/report-a-claim "Report a Claim") [60](https://www.zurichna.com/about/contact-us/customer-care-center "Customer Care Center") (Evidence: Company-reported; scope: Company-reported notice workflow; not measured response performance and not a promise of claim acceptance or payment. Current administrator and escalation route may vary by policy.; verified: 2026-09-29.)



Zurich describes an online portal for existing customers to view policy documents and endorsements, track claims, review risk-improvement actions and contact Zurich. The reviewed pages do not explain renewal handling. [58](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") (Evidence: Company-reported; scope: Company-described My Zurich functions for existing policyholders; renewal details were not found in these reviewed pages.; verified: 2026-09-29.)



## What to Confirm in Quotes

- Ask for the exact legal entity, insurer, product form, state availability, limits, retentions and exclusions on the proposal. Marketed product labels do not establish matching policy terms.
- Confirm what the application or broker review includes, who owns renewal and servicing, and which claim-notice instructions govern the issued policy.
- Request a written breakdown of premium, fees, commissions and any separate service charges. Missing buyer-level pricing or compensation details do not establish that no charges apply.

## Compare Services

What each provider documents about the services you may need.

| Criteria | Beazley | Zurich U.S. |
| --- | --- | --- |
| Business role | Your policy comes from a Beazley underwriting company, not the service entity: Beazley is a specialty insurance group, while Beazley USA Services, Inc. reports doing business in California as Beazley Insurance Services under company-disclosed license 0G55497. The license was not independently verified. [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") [7](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf "US Contingency Toolkit") (Evidence: Company-reported; scope: US group and disclosed insurance-services entity; no regulator verification or product-specific producer appointment established.; verified: 2026-09-16.) | Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. [51](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [52](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich U.S. operating brand; U.S. business; company description, not legal-entity or insurer attribution for an individual policy.; verified: 2026-09-29.)<br><br>Zurich’s 2026 history page describes a planned transition from Zurich North America to Zurich U.S.; the reviewed page does not give a completion date. [55](https://www.zurichna.com/about/history "Zurich U.S. History") (Evidence: Company-reported; scope: Brand naming only. No Zurich North America alias added pending clear evidence of completion.; verified: 2026-09-29.) |
| Customer focus | Small technology and business-services companies can consider MediaTech; digital-health buyers can look at Virtual Care, while Beazley’s Life Sciences offering targets middle and large organizations. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Product-specific audiences; funding stage is not an eligibility criterion established by these sources.; verified: 2026-09-16.) | Zurich U.S. describes serving Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction, manufacturing and technology. [51](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [56](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") (Evidence: Company-reported; scope: Company-reported U.S. customer positioning; examples do not establish that a specific risk is eligible.; verified: 2026-09-29.) |
| Application process | Prepare company services, products, employee count, US and foreign revenue, financial statements and expected changes for a MediaTech application; Beazley accepts placement through third-party platforms or email, but submission is not acceptance or binding. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Published small-business placement description and F00859 042022; no application submitted or binding time tested.; verified: 2026-09-16.) | Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. [56](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [57](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.; verified: 2026-09-29.) |

## Related Reading

- [What Is Beazley?](https://spot.insure/insurance-providers/beazley)
- [Zurich U.S. Business Insurance: Products, Access, and Claims](https://spot.insure/insurance-providers/zurich)

## Related Comparisons

- [AIG vs Beazley](https://spot.insure/compare/aig-vs-beazley)
- [AIG vs Zurich U.S.](https://spot.insure/compare/aig-vs-zurich)
- [Alliance Risk vs Beazley](https://spot.insure/compare/alliance-risk-vs-beazley)
- [Alliance Risk vs Zurich U.S.](https://spot.insure/compare/alliance-risk-vs-zurich)
- [Amelia Risk vs Beazley](https://spot.insure/compare/amelia-risk-vs-beazley)
- [Amelia Risk vs Zurich U.S.](https://spot.insure/compare/amelia-risk-vs-zurich)
- [Aon vs Beazley](https://spot.insure/compare/aon-vs-beazley)
- [Aon vs Zurich U.S.](https://spot.insure/compare/aon-vs-zurich)
- [Armilla vs Beazley](https://spot.insure/compare/armilla-vs-beazley)
- [Armilla vs Zurich U.S.](https://spot.insure/compare/armilla-vs-zurich)
- [At-Bay vs Beazley](https://spot.insure/compare/at-bay-vs-beazley)
- [At-Bay vs Zurich U.S.](https://spot.insure/compare/at-bay-vs-zurich)
- [The Baldwin Group vs Beazley](https://spot.insure/compare/baldwin-vs-beazley)
- [The Baldwin Group vs Zurich U.S.](https://spot.insure/compare/baldwin-vs-zurich)
- [Beazley vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/beazley-vs-berkshire-hathaway-specialty-insurance)
- [Beazley vs biBerk](https://spot.insure/compare/beazley-vs-biberk)
- [Beazley vs CFC](https://spot.insure/compare/beazley-vs-cfc)
- [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb)
- [Beazley vs CNA](https://spot.insure/compare/beazley-vs-cna)
- [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition)
- [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi)
- [Beazley vs Coterie Insurance](https://spot.insure/compare/beazley-vs-coterie)
- [Beazley vs Counterpart](https://spot.insure/compare/beazley-vs-counterpart)
- [Beazley vs Coverdash](https://spot.insure/compare/beazley-vs-coverdash)
- [Beazley vs Cowbell](https://spot.insure/compare/beazley-vs-cowbell)
- [Beazley vs Embroker](https://spot.insure/compare/beazley-vs-embroker)
- [Beazley vs Founder Shield](https://spot.insure/compare/beazley-vs-foundershield)
- [Berkshire Hathaway Specialty Insurance vs Zurich U.S.](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-zurich)
- [biBerk vs Zurich U.S.](https://spot.insure/compare/biberk-vs-zurich)
- [CFC vs Zurich U.S.](https://spot.insure/compare/cfc-vs-zurich)
- [Chubb vs Zurich U.S.](https://spot.insure/compare/chubb-vs-zurich)
- [CNA vs Zurich U.S.](https://spot.insure/compare/cna-vs-zurich)
- [Coalition vs Zurich U.S.](https://spot.insure/compare/coalition-vs-zurich)
- [Corgi vs Zurich U.S.](https://spot.insure/compare/corgi-vs-zurich)
- [Coterie Insurance vs Zurich U.S.](https://spot.insure/compare/coterie-vs-zurich)
- [Counterpart vs Zurich U.S.](https://spot.insure/compare/counterpart-vs-zurich)
- [Coverdash vs Zurich U.S.](https://spot.insure/compare/coverdash-vs-zurich)
- [Cowbell vs Zurich U.S.](https://spot.insure/compare/cowbell-vs-zurich)
- [Embroker vs Zurich U.S.](https://spot.insure/compare/embroker-vs-zurich)

## Sources

### [Beazley Official Website](https://www.beazley.com/en-us/)

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16.
3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16.
4. [Beazley MediaTech Renewal Application](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf). Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16.
5. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
6. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/). Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16.
7. [US Contingency Toolkit](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf). Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16.
8. [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/). Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16.
9. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16.
10. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
11. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime (commercial companies) and Financial Fidelity Bonds (financial institutions); fraudulent instruction condition. Accessed 2026-09-16.
12. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16.
13. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
14. [Life Sciences](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences). Beazley; What we offer; Our Coverages: Products/Completed Operations, Healthcare Professional Liability; Who we can help: middle-to-large life-sciences organizations. Accessed 2026-09-16.
15. [North American Commercial Property](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property). Beazley; North American Commercial Property: Coverage highlights; Who we can help (middle-to-large commercial accounts); Where is this offered (US and Canadian domicile, E&S basis). Accessed 2026-09-16.
16. [Product Recall – Manufacturing Risk and Response](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
17. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; BeazleyOne environmental package: Key Coverages (General Liability, Professional Liability); Additional Coverages (Hired and Non-Owned Auto); Who we can help (environmental-service businesses). Accessed 2026-09-16.
18. [Beazley US Marine](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine). Beazley; Beazley US Marine: What we offer: Marine Hull and Marine Liability, primary and excess. Accessed 2026-09-16.
19. [US Specialty Programs](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
20. [Explore All Products](https://www.beazley.com/en-us/products/). Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16.

### [Zurich U.S. Official Website](https://www.zurichna.com/)

21. [Business insurance for public & private companies | Zurich](https://www.zurichna.com/insurance). Zurich U.S.; Zurich U.S. commercial coverage catalogue; line navigation and product links. Accessed 2026-09-28.
22. [Commercial Casualty Insurance | Zurich Insurance](https://www.zurichna.com/insurance/casualty). Zurich U.S.; Insurance solutions for commercial casualty / Domestic Casualty Solutions; explicitly lists Zurich General Liability, Workers’ Compensation, Commercial Auto and Excess Liability. Accessed 2026-09-28.
23. [Management Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability) Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
24. [Directors and Officers Liability Insurance (D&O) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/directors-and-officers-liability-insurance) Zurich U.S.; D&O coverage, target companies, claims team. Accessed 2026-09-28.
25. [Employment Practices Liability Insurance (EPLI) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance) Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28.
26. [Fiduciary Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance) Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
27. [Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/crime-insurance) Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.
28. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28.
29. [Errors and Omissions Insurance – E&O | Zurich Insurance](https://www.zurichna.com/insurance/errors-and-omissions). Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28.
30. [Cyber Security Insurance and Coverage | Zurich Insurance](https://www.zurichna.com/insurance/cyber). Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
31. [Zurich Cyber Insurance Policy](https://www.zurichna.com/insurance/cyber/policy). Zurich U.S.; Large/global cyber policy coverage and claims/response resources. Accessed 2026-09-28.
32. [Commercial Umbrella Insurance Coverage | Zurich Insurance](https://www.zurichna.com/insurance/umbrella). Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
33. [Commercial Property Insurance: Building & Business | Zurich](https://www.zurichna.com/insurance/commercial-property). Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28.
34. [Insurance for Construction Companies | Zurich Insurance](https://www.zurichna.com/industries/construction). Zurich U.S.; Builders risk offering; construction customers; construction coverages and risk services. Accessed 2026-09-28.
35. [Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich](https://www.zurichna.com/insurance/auto-rental). Zurich U.S.; Commercial rental fleets, auto liability and physical damage, application and claims. Accessed 2026-09-28.
36. [Surety Bond Company: Construction & Corporate | Zurich](https://www.zurichna.com/insurance/surety). Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28.
37. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf). J.D. Power; Indexed 2025 ranking PDF URL returned 404 when opened; score table not verified. Accessed 2026-09-28.
38. [2025 U.S. Small Commercial Insurance Study - JD Power](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study). J.D. Power; 2025 study methodology, sample size and field dates. Accessed 2026-09-28.
39. [U.S. Small Commercial Insurance Study - JD Power](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/). J.D. Power; 2025 and 2026 profiled target brands and publication dates. Accessed 2026-09-28.
40. [Best Insurance Companies for Car Rental Businesses - NerdWallet](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance). NerdWallet; Zurich 4.5/5 business editorial rating; commercial auto rental fleets; complaint analysis. Accessed 2026-09-28.
41. [Zurich Insurance Reviews | Trustpilot](https://www.trustpilot.com/review/www.zurich.com). Trustpilot; Global Zurich Insurance profile, TrustScore and review count. Accessed 2026-09-28.
42. [Zurich Property & Casualty Insurance Reviews from Real Customers | ConsumerAffairs](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html). ConsumerAffairs; Zurich P&C profile rating/review count and mixed reviewer topics. Accessed 2026-09-28.
43. [Zurich American Insurance Company | BBB Business Profile](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903). BBB; Business grade, accreditation, Zurich NA description and line list. Accessed 2026-09-28.
44. [Zurich American Insurance Company | BBB Reviews | Better Business Bureau](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews). BBB; Customer Review Ratings and review count. Accessed 2026-09-28.
45. [NAIC Consumer Insurance Search](https://content.naic.org/consumer/insurance-company-search). NAIC; Company/state/line consumer complaint lookup; interactive result did not render. Accessed 2026-09-28.
46. [List of financial strength and issuer credit ratings | Zurich Insurance](https://www.zurich.com/investor-relations/ratings). Zurich Insurance Group; Current ratings for Zurich American Insurance Company. Accessed 2026-09-28.
47. [AM Best Affirms Credit Ratings of Zurich Insurance Group Ltd and Its Main Rated Subsidiaries](https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=37747). AM Best; September 4, 2026 affirmations for Zurich American Insurance Company. Accessed 2026-09-28.
48. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; Product-page underwriting jurisdiction caveat; individual North American insurance entities. Accessed 2026-09-28.
49. [Workers’ Compensation Insurance | Zurich Insurance](https://www.zurichna.com/insurance/workers-compensation). Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28.
50. [Commercial Builders Risk Program | Zurich Insurance](https://www.zurichna.com/insurance/zpm/construction/commercial). Zurich U.S.; Builders Risk - Commercial; direct product overview and FAQ: coverage, appetite, ineligible projects, options, limits, application, geography, admission and program highlights (HTML lines 270–411). Accessed 2026-09-28.
51. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
52. [About Zurich U.S. | Zurich U.S. Insurance](https://www.zurichna.com/media/about-zurich). Zurich U.S.; Opening paragraphs; relationship to Zurich Insurance Group. Accessed 2026-09-28.
53. [Terms of Use from Zurich U.S. | Zurich Insurance](https://www.zurichna.com/services/terms-of-use). Zurich American Insurance Company / Zurich U.S.; §1 site operator; §5 reproduction rights; §16 Zurich American Insurance Company, NAIC 16535, and provider-published all-state/listed-territory licensing disclosure; §17 member-company list. Accessed 2026-09-29.
54. [Zurich Insurance Group Annual Results 2025](https://www.zurich.com/-/media-assets/project/zurich/dotcom/investor-relations/docs/results/2025/q4/consolidated-financial-statements-annual-results-2025.pdf). Zurich Insurance Group Ltd; Note 27, Table 27.1, printed p.126: voting rights and ownership interest at 2025-12-31. Accessed 2026-09-28.
55. [Zurich U.S. History](https://www.zurichna.com/about/history). Zurich U.S.; 2026 history page, planned transition wording; completion date not stated. Accessed 2026-09-28.
56. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers) Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
57. [Contact Zurich U.S.](https://www.zurichna.com/about/contact-us) Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28.
58. [My Zurich customer portal](https://www.zurichna.com/digital-application-suite). Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28.
59. [Report a Claim](https://www.zurichna.com/claims/report-a-claim). Zurich U.S.; Claim notice methods and stated acknowledgment workflow. Accessed 2026-09-28.
60. [Customer Care Center](https://www.zurichna.com/about/contact-us/customer-care-center). Zurich U.S.; Published customer-care hours and contact. Accessed 2026-09-28.
61. [Zurich Producer Compensation](https://www.zurichna.com/producercompensation). Zurich U.S. (company-reported); Disclosure updated May 2026: base/contingent arrangements and independently operating program administrator exclusion. Accessed 2026-09-28.

Updated 2026-09-29. Spot is a product of Tools for Enlightenment and works in the commercial insurance market. This comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/beazley-vs-zurich.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)