---
title: "Foxquilt vs Zurich U.S.: Umbrella and Excess Liability Insurance"
description: "Foxquilt describes umbrella across existing policies; Zurich specifies both follow-form excess and lead umbrella components, plus separate crisis-expense and high-limit facility features."
canonical: "https://spot.insure/compare/foxquilt-vs-zurich/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "foxquilt-vs-zurich"
provider-a: "foxquilt"
provider-b: "zurich"
coverage-line: "umbrella-excess"
---

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

## Agent Guide

**What this page is:** Focused comparison of Foxquilt and Zurich U.S. for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Foxquilt versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Foxquilt vs Zurich U.S. for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Foxquilt or Zurich U.S.?
- What does Foxquilt or Zurich U.S. publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Umbrella and Excess Liability Insurance from Foxquilt or Zurich U.S.?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Foxquilt and Zurich U.S..
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Foxquilt vs Zurich U.S.](https://spot.insure/compare/foxquilt-vs-zurich) — parent: all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Foxquilt vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/foxquilt-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Crime Insurance](https://spot.insure/compare/foxquilt-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/foxquilt-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/foxquilt-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-foxquilt/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# Foxquilt vs Zurich U.S.: How Do They Compare for Umbrella and Excess Liability Insurance?

Foxquilt describes umbrella across existing policies; Zurich specifies both follow-form excess and lead umbrella components, plus separate crisis-expense and high-limit facility features.

## How to Use the Foxquilt vs Zurich U.S. Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate Foxquilt and Zurich U.S. for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Foxquilt vs Zurich U.S. Umbrella and Excess Liability Insurance Summary

Foxquilt describes umbrella as extending protection across multiple policies without publishing policy terms. Zurich identifies Coverage A follow-form excess and Coverage B lead umbrella, and separately describes a crisis-expense reimbursement and a claims-made excess facility. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

## What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. [1](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [2](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions")

[Foxquilt profile](https://spot.insure/insurance-providers/foxquilt)

## Zurich U.S. Business Insurance: Products, Access, and Claims

Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [4](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [5](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## What Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [7](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [10](https://www.coverdash.com/coverage "Coverage Hub") [11](https://kinro.com/products "Products")

## What Are the Key Differences Between Foxquilt and Zurich U.S. Umbrella and Excess Liability Insurance?

### A defined form structure

Foxquilt's overview describes umbrella as extending protection across multiple existing policies and contrasts excess coverage as extending one portion. It does not identify specific components or limits. Zurich names Coverage A as follow-form excess and Coverage B as lead umbrella, giving a buyer a more specific structure to examine in the proposed wording. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

### Separate expense and facility options

Zurich's page reviewed 2026-09-23 also describes Coverage C reimbursement up to $250,000 for emergency casualty business-crisis expenses and a joint Zurich, Chubb, and National Indemnity facility described at up to $100 million in claims-made excess casualty coverage. Foxquilt's overview describes multi-policy umbrella but does not mention these separate features. The Zurich figures are dated source statements, not current capacity promises; ask whether either feature is currently offered and fits the account. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business")

## What Should You Confirm in Foxquilt and Zurich U.S. Umbrella and Excess Liability Insurance Quotes?

- Ask Zurich whether the quote includes Coverage C or uses the claims-made facility, and confirm wording, eligibility, attachment, and limits. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")
- Ask Foxquilt which underlying policies its umbrella reaches and what limits and exclusions the issued form carries. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business")

## Foxquilt vs Zurich U.S. Umbrella and Excess Liability Compared

| Criteria | Foxquilt Umbrella Insurance | Zurich Commercial Umbrella and Excess Liability |
| --- | --- | --- |
| Role in This Line | Foxquilt markets Umbrella Insurance; its page distinguishes umbrella from excess and does not establish a separate excess product. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Confirm in your quote. |
| Who It’s For | The page recommends considering umbrella when a business needs more CGL limits than its main policy provides; the underlying-policy requirements are not published. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Confirm in your quote. |
| Coverage Features | The page describes umbrella as extending protection across multiple existing policies and contrasts excess coverage that extends one portion of insurance. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Zurich Commercial Umbrella combines Coverage A follow-form excess liability and Coverage B lead umbrella liability. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..)<br><br>Zurich’s Excess Claims Made Facility offers up to $100 million in claims-made excess casualty coverage and may consider customized wording; it is a joint Zurich, Chubb and National Indemnity facility. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Facility capacity and terms are shared among Zurich, Chubb and Berkshire Hathaway National Indemnity; do not attribute the whole facility solely to Zurich..) |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| How to Apply | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Confirm in your quote. |

## Related Pages for Foxquilt vs Zurich U.S.

- [Foxquilt vs Zurich U.S.](https://spot.insure/compare/foxquilt-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Foxquilt vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/foxquilt-vs-zurich/builders-risk)
- [Foxquilt vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-zurich/commercial-auto)
- [Foxquilt vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-zurich/commercial-property)
- [Foxquilt vs Zurich U.S. Crime Insurance](https://spot.insure/compare/foxquilt-vs-zurich/crime)
- [Foxquilt vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/foxquilt-vs-zurich/cyber)
- [Foxquilt vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/foxquilt-vs-zurich/general-liability)
- [Foxquilt vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-zurich/inland-marine)
- [Foxquilt vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-zurich/professional-errors-omissions)
- [Foxquilt vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-zurich/technology-errors-omissions)
- [Foxquilt vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-zurich/workers-compensation)
- [AIG vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-foxquilt/umbrella-excess)
- [AIG vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-zurich/umbrella-excess)
- [Alliance Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/umbrella-excess)
- [Alliance Risk vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/umbrella-excess)
- [Amelia Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/umbrella-excess)
- [Amelia Risk vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/umbrella-excess)

## Sources for Foxquilt vs Zurich U.S.

### Sources About Foxquilt

1. [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html). Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319.. Accessed 2026-09-29.
2. [Foxquilt Insurance Services | Terms & Conditions](https://www.foxquilt.com/terms-of-use.html). Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement.. Accessed 2026-09-29.
3. [Smarter Umbrella Insurance For Your Business](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html). Foxquilt; Current product page calls the product Umbrella Insurance; lines 98–104 describe umbrella vs excess and eligibility; lines 106–121 give illustrative scenarios; lines 127–132 discuss multi-insurer tower as hypothetical purchasing example. Directly inspected 2026-09-29. It supports an umbrella marketing membership, not a separate excess product, actual tower, underlying requirements, policy form or limits.. Accessed 2026-09-29.

### Sources About Zurich U.S.

4. [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.
5. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
6. [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.

### Sources for the Umbrella and Excess Liability Insurance Guide

7. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
9. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
10. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
11. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The 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.

## Foxquilt Review Scores for 2026

Review Score: 8.9 / 10 from 3 rated sources, equally weighted.

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.

- Trustpilot: TrustScore 3.5/5 (Trustpilot 5-point scale); 8 reviews. Trustpilot's foxquilt.com company profile (Toronto address; broad broker, auto, business and home insurance categories). Reviewer country and product line are not reliably shown, so it is not a US-only or commercial-only sample. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Reviews | Read Customer Service Reviews of foxquilt.com](https://www.trustpilot.com/review/foxquilt.com)
- BBB: BBB business grade A+ (BBB letter grade). Better Business Bureau Serving Central Ontario business profile for Foxquilt at a Toronto address; business-profile grade and reviews/complaints are different data. Not a U.S. policy review. Period: Toronto profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt | BBB Business Profile](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206); [Foxquilt | BBB Reviews](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/customer-reviews); [Foxquilt | BBB Complaints](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/complaints)
- Google (via Birdeye): Google rating 4.9 (out of 5); 526 reviews. Google reviews for Foxquilt Insurance Services LLC, the Charlotte, North Carolina office. Reviews include commercial insurance customers. Period: checked 2026-09-29. Checked 2026-09-29. [Foxquilt Insurance Services LLC reviews | Birdeye](https://reviews.birdeye.com/foxquilt-insurance-services-llc-176273459225651)
- HelloSafe: HelloSafe rating 4.8 (out of 5); 637 reviews. HelloSafe (Canadian comparison site) page on Foxquilt business insurance. Canada-focused, and the source of its reviews is not stated. Period: page accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Business Insurance Review (2026) - HelloSafe](https://hellosafe.ca/en/business-insurance/foxquilt)

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

## Zurich U.S. Review Scores for 2026

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).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foxquilt-vs-zurich/umbrella-excess.md)
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