--- title: "Berkshire Hathaway Specialty Insurance vs Zurich U.S." description: "Compare Berkshire Hathaway Specialty Insurance and Zurich U.S. by business role, documented product lines, application route, and policyholder service." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-zurich" page-type: "provider-comparison" updated-at: "2026-09-30" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-zurich) # Berkshire Hathaway Specialty Insurance vs Zurich U.S. Compare Berkshire Hathaway Specialty Insurance and Zurich U.S. by business role, documented product lines, application route, and policyholder service. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Highlights Berkshire Hathaway Specialty Insurance describes an insurer or policy-issuing route, while Zurich U.S. directs commercial buyers to agents and brokers; compare the listed products, named insurer, submission route, and service contact against your business and policy needs. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [8](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States") [55](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [56](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") [60](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [61](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") [62](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") ## Provider Reliability Assessments These sourced assessments are shown for context; this comparison does not select a winner. ### Berkshire Hathaway Specialty Insurance Role: Insurance carrier. Carrier & MGA Spot Score: **7.0/10** (partial score; 85% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The AM Best rating carries a group-affiliation code, so it reflects the Berkshire Hathaway group rather than a standalone view.; No NAIC complaint index or state complaint data for BHSIC was found, so service outcomes are not measured.; Which BHSI-branded product is written on BHSIC paper versus an affiliate (Direct, Homestate, travel programs) is not mapped by product.; A state-by-state license lookup was not run; the all-states statement comes from the Nebraska exam report.; Non-U.S. regulators (FCA and PRA for the U.K. entity, Singapore, Australia and others) were not searched.). Read the [full reliability assessment](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/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). ## Berkshire Hathaway Specialty Insurance Reviews Review Score: not enough ratings. The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score. - Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com) - BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/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 If you are choosing where to start a commercial insurance conversation, this pair helps separate Berkshire Hathaway Specialty Insurance's documented role from Zurich's agent-and-broker placement route. The records describe business activities and marketed products; they do not establish that either route will quote or issue a particular policy for your company. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [60](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [61](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") ## Coverage Comparison | Coverage Type | Berkshire Hathaway Specialty Insurance | Zurich U.S. | | --- | --- | --- | | [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: BHSI’s current U.S. Builder’s Risk page lists construction-project coverage, including hot testing/commissioning, delay and soft-cost features, and selectively considered Master Builder’s Risk programs. Project scope, eligibility, terms and issuer remain policy-specific. [22](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") | Listed: Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation. [54](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") | | [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately. [9](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [10](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") | Not listed | | [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. [39](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: BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm. [11](https://www.bhspecialty.com/us-products/us-property/ "Property") [12](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") | Listed: Zurich markets commercial property insurance. [37](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") | | [Crime](https://spot.insure/coverage/crime) | Listed: BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms. [31](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: BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy. [23](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") | Listed: Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product. [34](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") | | [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Executive First D&O liability materials describe separate public-company and private-company products. [13](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Zurich markets directors and officers liability insurance. [27](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Zurich markets Employment Practices Liability Insurance (EPLI). [29](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) | Not listed | Listed: Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability. [32](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: BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Zurich markets fiduciary liability insurance. [27](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [General liability](https://spot.insure/coverage/general-liability) | Listed: BHSI lists primary general liability, with contractor and pollution features described in its casualty materials. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Listed: Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims. [26](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance") [25](https://www.zurichna.com/insurance "Business insurance for public & private companies | Zurich") | | [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Zurich markets a management liability portfolio with multiple distinct lines. [27](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [Media liability](https://spot.insure/coverage/media) | Listed: BHSI’s Professional First overview names Media Liability, and its architects/engineers product describes media liability only within a specialized combined design-industry form. The overview’s catalogue listing does not establish standalone terms or current account availability. [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Not listed | | [Product liability](https://spot.insure/coverage/product-liability) | Listed: BHSI lists primary products and completed-operations liability as a casualty product. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Not listed | | [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Professional First materials describe a professional-liability portfolio with several professions and service types. [17](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability") [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Listed: Zurich markets professional errors and omissions insurance. [33](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: BHSI lists Representations & Warranties Insurance within its Transactional Liability products. [20](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/ "Transactional Liability") [21](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") | Not listed | | [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: BHSI’s U.S. Surety page lists performance, payment, advance-payment, maintenance, supply and warranty bonds for contractor and construction-supplier accounts. Bond obligations depend on the bond form, principal, obligee and jurisdiction; this catalogue listing does not establish bond approval or terms. [24](https://www.bhspecialty.com/us-products/us-surety/ "Surety") | Listed: Zurich markets construction and corporate surety bonds. [40](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: Professional First materials identify Technology E&O as a professional-liability product. [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Listed: Zurich markets technology errors and omissions insurance. [33](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) | Listed: BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine. [9](https://www.bhspecialty.com/us-products/us-marine/ "Marine") | 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. [37](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") | | [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: BHSI lists lead umbrella and excess casualty within its U.S. casualty products. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Listed: Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit. [36](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") | | [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Not listed | Listed: Zurich markets workers’ compensation insurance. [53](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. ## How The Buying Route Differs Berkshire Hathaway Specialty Insurance's published role points to an insurer or policy-issuing route; Zurich describes a commercial insurer group that works through agents and brokers. That distinction can guide whom you contact first: use Berkshire Hathaway Specialty Insurance when its documented channel and service model fit your need, and ask a broker who can quote the Zurich product you want to compare. The specific producer and insurer still depend on the proposal and policy documents. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [55](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [56](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") [60](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [61](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") The application path affects who prepares the submission and which details your team must assemble. Compare Berkshire Hathaway Specialty Insurance's described application route with Zurich's broker-directed route for your product, locations, and operations. Ask each contact what information is still missing and what written confirmation marks the point when coverage is bound. [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [60](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [61](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") Use both companies' published customer descriptions as routing clues. Check whether your industry's operations, company size, locations, and contract requirements match the audience described in each quote conversation; a stated focus does not establish that an insurer will accept your risk. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [55](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [60](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") ## What The Coverage Lists Show The current coverage lists overlap on Builders risk, Commercial property, Crime. Berkshire Hathaway Specialty Insurance also lists Cargo and transit and Media liability among its documented lines; Zurich's list also names Workers’ compensation and Commercial auto. A shared label is only a starting point: compare the proposed forms, limits, retentions, exclusions, and conditions for your specific operations. [22](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") [9](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [11](https://www.bhspecialty.com/us-products/us-property/ "Property") [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [53](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") [31](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") [39](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") [37](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") [54](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") ## Application And Ongoing Service After a quote is prepared, compare the service each company describes with the route you will use. Ask whether your account includes portal access, who handles certificates and midterm changes, who coordinates renewal review, and where to report a claim. The published service descriptions do not establish the commitments in your own agreement. [8](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States") [62](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") ## Questions To Ask Before You Choose - Which legal insurer will issue each quoted policy, and which producer is responsible for placement? - Which forms, limits, retentions, exclusions, and state or business eligibility rules apply to the exposure you need to insure? - What application materials or follow-up does each route require, and what event confirms coverage is bound? - Who handles certificates, midterm changes, renewal review, and first notice of claim? - How are premium, taxes, fees, commissions, and any contingent compensation disclosed for this placement? The public records explain the companies' roles and processes, but only an applicant-specific proposal and issued policy can answer those questions for your business. [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [60](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [61](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") [62](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") [65](https://www.zurichna.com/producercompensation "Zurich Producer Compensation") ## Compare Services What each provider documents about the services you may need. | Criteria | Berkshire Hathaway Specialty Insurance | Zurich U.S. | | --- | --- | --- | | Business role | BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: A description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.; verified: 2026-09-29.)

Berkshire Hathaway Specialty Insurance Company (BHSIC) identifies itself in its Singapore-branch public disclosure as a Nebraska-domiciled direct property and casualty insurer, wholly owned by National Indemnity Company, which is wholly owned by Berkshire Hathaway Incorporated. The Singapore-branch disclosure states this ownership chain. A Missouri Department of Insurance record separately lists BHSIC as active, NAIC 22276, and Property and Casualty in Missouri. Neither source identifies BHSIC as the issuer of every BHSI-branded U.S. policy. [3](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch") [4](https://insurance.mo.gov/find-insurance-company/company-details?id=104347139 "Company Details — Berkshire Hathaway Specialty Insurance Company") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-reported corporate identity and ownership in BHSI's Singapore-branch public disclosure, corroborated for company identity and Missouri P&C authority by the Missouri Department of Insurance record accessed 2026-09-28. Neither source maps BHSIC as issuer for every BHSI-branded U.S. product; use policy-specific documents for that.; verified: 2026-09-28.) | Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. [55](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [56](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.)

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. [59](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 | BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.; verified: 2026-09-29.)

Within its U.S. executive-lines commercial and financial segment, BHSI lists publicly traded and large privately owned commercial firms; investment, money-center, national, and regional banks; asset managers; and insurance companies and brokerages. The size description applies to the commercial-firm entry, not every listed institution or all BHSI products. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Only the U.S. Executive Lines, Commercial & Financial segment, At A Glance p. 50. The “publicly traded and large privately owned” qualifier attaches to the Commercial Firms bullet only.; verified: 2026-09-28.) | Zurich U.S. describes serving Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction, manufacturing and technology. [55](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [60](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 | BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.; verified: 2026-09-28.) | Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. [60](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [61](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.) | | Servicing and renewals | BHSI’s U.S. Claims Service Standards document (version US 2024-10-07A) says coverage issues or reservations are discussed directly with insureds, brokers, and relevant parties, and brokers and policyholders are kept involved during third-party settlement discussions. These are company-stated process standards, not measured claims outcomes. [8](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States") (Evidence: Company-reported; scope: Company-stated U.S. claims-service standards in version US 2024-10-07A; accessed 2026-09-28. Process commitments are not evidence of measured service or outcomes.; verified: 2026-09-28.)

BHSI's U.S. website terms and claims page reviewed on September 28, 2026 do not explain how commercial policy renewals are quoted or completed. The U.S. product directory opened for this correction displays category navigation, but it is not a review of the linked product pages. These limited checks do not establish that renewal support or a renewal route is unavailable. [6](https://www.bhspecialty.com/us-products/ "United States") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [7](https://www.bhspecialty.com/claims/ "Claims — United States") (Evidence: Not found in reviewed sources; scope: A narrowly scoped research gap in the opened U.S. website terms and claims page and the U.S. product-directory landing page, checked 2026-09-28. The directory landing page provides category navigation only; linked product pages and account-specific servicing routes were not reviewed for this claim. This does not mean BHSI lacks renewal support.; verified: 2026-09-28.) | 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. [62](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.) | ## Related Reading - [What Is Berkshire Hathaway Specialty Insurance?](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) - [Zurich U.S. Business Insurance: Products, Access, and Claims](https://spot.insure/insurance-providers/zurich) ## Related Comparisons - [AIG vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance) - [AIG vs Zurich U.S.](https://spot.insure/compare/aig-vs-zurich) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance) - [Alliance Risk vs Zurich U.S.](https://spot.insure/compare/alliance-risk-vs-zurich) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance) - [Amelia Risk vs Zurich U.S.](https://spot.insure/compare/amelia-risk-vs-zurich) - [Aon vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance) - [Aon vs Zurich U.S.](https://spot.insure/compare/aon-vs-zurich) - [Armilla vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/armilla-vs-berkshire-hathaway-specialty-insurance) - [Armilla vs Zurich U.S.](https://spot.insure/compare/armilla-vs-zurich) - [At-Bay vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/at-bay-vs-berkshire-hathaway-specialty-insurance) - [At-Bay vs Zurich U.S.](https://spot.insure/compare/at-bay-vs-zurich) - [The Baldwin Group vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance) - [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 Zurich U.S.](https://spot.insure/compare/beazley-vs-zurich) - [Berkshire Hathaway Specialty Insurance vs biBerk](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-biberk) - [Berkshire Hathaway Specialty Insurance vs CFC](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc) - [Berkshire Hathaway Specialty Insurance vs Chubb](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb) - [Berkshire Hathaway Specialty Insurance vs CNA](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cna) - [Berkshire Hathaway Specialty Insurance vs Coalition](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition) - [Berkshire Hathaway Specialty Insurance vs Corgi](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi) - [Berkshire Hathaway Specialty Insurance vs Coterie Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coterie) - [Berkshire Hathaway Specialty Insurance vs Counterpart](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart) - [Berkshire Hathaway Specialty Insurance vs Coverdash](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coverdash) - [Berkshire Hathaway Specialty Insurance vs Cowbell](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell) - [Berkshire Hathaway Specialty Insurance vs Embroker](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker) - [Berkshire Hathaway Specialty Insurance vs Founder Shield](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield) - [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 ### [Berkshire Hathaway Specialty Insurance Official Website](https://www.bhspecialty.com/) 1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29. 2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28. 3. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28. 4. [Company Details — Berkshire Hathaway Specialty Insurance Company](https://insurance.mo.gov/find-insurance-company/company-details?id=104347139). Missouri Department of Insurance; Company Details fields: legal name, active license status, NAIC number 22276, and Property and Casualty description; Missouri regulator record also lists 2025 property-casualty lines. Accessed 2026-09-28. Accessed 2026-09-28. 5. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28. 6. [United States](https://www.bhspecialty.com/us-products/). Berkshire Hathaway Specialty Insurance; United States products directory, opened 2026-09-28. Rendered page lists U.S. category links and Casualty/Property headings (lines 6–44); this directory view is navigation, not the linked product pages or a full review of product materials. Accessed 2026-09-28. 7. [Claims — United States](https://www.bhspecialty.com/claims/). Berkshire Hathaway Specialty Insurance; Claims Reporting, lines 34–91; separate product-specific directions, then “All other claims” email, 24-hour toll-free phone, postal/overnight mail. Accessed 2026-09-28. 8. [Claims Excellence — United States](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf). Berkshire Hathaway Specialty Insurance; Claims Service Standards, version US 2024-10-07A in footer/document end; page 2 lines 30–34 describe coverage discussion and third-party settlement communications. Accessed 2026-09-28. 9. [Marine](https://www.bhspecialty.com/us-products/us-marine/). Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28. 10. [Ocean Marine Cargo Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28. 11. [Property](https://www.bhspecialty.com/us-products/us-property/). Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28. 12. [General Property Appetite Guide](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28. 13. [Executive First Directors & Officers Liability Insurance](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/). Berkshire Hathaway Specialty Insurance; Product Highlights: government investigations, shareholder derivative actions, late-notice qualification, defense counsel selection; Top Targets: large commercial and financial firms, lines 6–19. Accessed 2026-09-28. 14. [Executive First Private Company Portfolio](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/). Berkshire Hathaway Specialty Insurance; Product Highlights: D&O, EPL, Fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits to $50m; EPL First services. Top Targets: private companies at $10m+ revenues and listed industries, lines 11–25. Portfolio limit is not a separate line limit. Accessed 2026-09-28. 15. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf) Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28. 16. [Casualty](https://www.bhspecialty.com/us-products/us-casualty/). Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28. 17. [Professional First Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/). Berkshire Hathaway Specialty Insurance; U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. Accessed 2026-09-28. 18. [Professional First Professional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. Accessed 2026-09-28. 19. [Professional First Architects, Engineers and Consultants Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. Accessed 2026-09-28. 20. [Transactional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility. Accessed 2026-09-28. 21. [Transactional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A. Accessed 2026-09-28. 22. [Builder’s Risk](https://www.bhspecialty.com/us-products/us-builders-risk/). Berkshire Hathaway Specialty Insurance; Current U.S. page: all-risk, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess; separate EAR and CAR target categories; Master Builder’s Risk selectively considered, lines 6–35. Reopened 2026-09-28. Accessed 2026-09-28. 23. [Professional First Network Security & Privacy Policy](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/). Berkshire Hathaway Specialty Insurance; Product Highlights: third-party breach exposures, regulatory investigations/fines/penalties, direct breach/extortion expenses, electronic-content media liability, business interruption from network-security failure, eRiskHub; Top Targets: professional-services firms, lines 6–19. Accessed 2026-09-28. 24. [Surety](https://www.bhspecialty.com/us-products/us-surety/). Berkshire Hathaway Specialty Insurance; Product Highlights name performance, payment, advance-payment, maintenance, supply and warranty bonds; Top Targets name regional/national/global contractors and construction suppliers/services; PPP/project-delivery capability; lines 6–32. Accessed 2026-09-28. ### [Zurich U.S. Official Website](https://www.zurichna.com/) 25. [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. 26. [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. 27. [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. 28. [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. 29. [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. 30. [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. 31. [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. 32. [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. 33. [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. 34. [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. 35. [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. 36. [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. 37. [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. 38. [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. 39. [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. 40. [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. 41. [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. 42. [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. 43. [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. 44. [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. 45. [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. 46. [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. 47. [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. 48. [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. 49. [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. 50. [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. 51. [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. 52. [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. 53. [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. 54. [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. 55. [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. 56. [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. 57. [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. 58. [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. 59. [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. 60. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers) Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 61. [Contact Zurich U.S.](https://www.zurichna.com/about/contact-us) Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28. 62. [My Zurich customer portal](https://www.zurichna.com/digital-application-suite). Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28. 63. [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. 64. [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. 65. [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 2026-09-30. 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