---
title: "Gallagher vs Zurich U.S.: Umbrella and Excess Liability Insurance"
description: "Gallagher designs and places customized excess casualty programs, while Zurich’s umbrella has defined follow-form and lead sections."
canonical: "https://spot.insure/compare/gallagher-vs-zurich/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "gallagher-vs-zurich"
provider-a: "gallagher"
provider-b: "zurich"
coverage-line: "umbrella-excess"
---

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/gallagher-vs-zurich/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of Gallagher 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 Gallagher 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:**
- Gallagher vs Zurich U.S. for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Gallagher or Zurich U.S.?
- What does Gallagher 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 Gallagher or Zurich U.S.?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Gallagher 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:**
- [Gallagher vs Zurich U.S.](https://spot.insure/compare/gallagher-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
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Gallagher vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. Crime Insurance](https://spot.insure/compare/gallagher-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/gallagher-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. D&O Insurance](https://spot.insure/compare/gallagher-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/gallagher-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/gallagher-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. Surety Bonds](https://spot.insure/compare/gallagher-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/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 Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/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 Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/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)

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

Gallagher designs and places customized excess casualty programs, while Zurich’s umbrella has defined follow-form and lead sections.

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

Use this comparison to evaluate Gallagher 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.

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

Gallagher’s Casualty practice places umbrella and excess with outside carriers and describes customized excess casualty program design. Zurich’s Commercial Umbrella uses follow-form excess Coverage A and lead umbrella Coverage B. [6](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") [9](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

## What Is Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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. [7](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [8](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. [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [13](https://www.coverdash.com/coverage "Coverage Hub") [14](https://kinro.com/products "Products")

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

### Program Design and Coverage Form
Gallagher places umbrella and excess through its casualty practice and describes customized program design, including alternative risk programs, without publishing attachment points or triggers. Zurich specifies Coverage A as follow-form excess and Coverage B as lead umbrella liability. For a layered casualty program, ask Gallagher to map each attachment and ask Zurich which section responds when the underlying policy terms differ. [6](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") [9](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

### Customized Excess Programs
Gallagher describes customized excess casualty program design and alternative risk programs, but its practice page does not specify attachment points or triggers. Zurich says its separate joint claims-made facility may consider customized wording. Ask Gallagher which market and form it proposes and ask Zurich whether the facility can tailor wording to your casualty tower; the facility’s capacity is shared among participants. [6](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") [9](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

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

- Ask Gallagher to identify each carrier, attachment point, exclusion, and trigger in the proposed excess tower. [6](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance")
- Ask Zurich for the Coverage A/B forms and conditions for the crisis-expense reimbursement. [9](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

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

| Criteria | Gallagher Umbrella/Excess Liability Insurance | Zurich Commercial Umbrella and Excess Liability |
| --- | --- | --- |
| Role in This Line | Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. [6](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Group-level casualty practice page..) | Confirm in your quote. |
| Issuing Insurer | The casualty practice page does not name the insurer that would issue a given client's umbrella or excess policy. [6](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level casualty practice page..) | Confirm in your quote. |
| Who It’s For | The casualty practice page does not name a target industry, size or minimum premium for umbrella/excess placements; it describes the practice generally as serving clients with a broader casualty program. [6](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level casualty practice page on 2026-09-23..) | Confirm in your quote. |
| Coverage Features | Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. [6](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Group-level casualty practice page; a service description, not a specific policy's insuring agreement..) | Zurich Commercial Umbrella combines Coverage A follow-form excess liability and Coverage B lead umbrella liability. [9](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. [9](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 casualty practice page does not publish specific umbrella/excess limits, attachment points or premium ranges; it says program structure, coverage, limits and pricing are designed to fit the client's current and future needs. [6](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level casualty practice page..) | Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000. [9](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..) |
| Risk Services | Gallagher describes pre-renewal meetings with a client's finance, HR, operations and risk-management stakeholders, a gap analysis and contract/form review to close coverage gaps between policies, and a dedicated claims and loss-control advocacy group that reviews legacy loss information to build claim-mitigation and loss-prevention programs. [6](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Group-level casualty practice page; described at the practice level across all casualty lines, not exclusively for umbrella/excess..) | Confirm in your quote. |

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

- [Gallagher vs Zurich U.S.](https://spot.insure/compare/gallagher-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.
- [Gallagher vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-zurich/commercial-auto)
- [Gallagher vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-zurich/commercial-property)
- [Gallagher vs Zurich U.S. Crime Insurance](https://spot.insure/compare/gallagher-vs-zurich/crime)
- [Gallagher vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/gallagher-vs-zurich/cyber)
- [Gallagher vs Zurich U.S. D&O Insurance](https://spot.insure/compare/gallagher-vs-zurich/directors-officers)
- [Gallagher vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-zurich/employment-practices)
- [Gallagher vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/gallagher-vs-zurich/fidelity-bonds)
- [Gallagher vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-zurich/fiduciary)
- [Gallagher vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/gallagher-vs-zurich/general-liability)
- [Gallagher vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-zurich/professional-errors-omissions)
- [Gallagher vs Zurich U.S. Surety Bonds](https://spot.insure/compare/gallagher-vs-zurich/surety-bonds)
- [Gallagher vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-zurich/technology-errors-omissions)
- [Gallagher vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-zurich/workers-compensation)
- [AIG vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/umbrella-excess)
- [AIG vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-zurich/umbrella-excess)
- [Alliance Risk vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/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 Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/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 Gallagher vs Zurich U.S.

### Sources About Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
6. [Casualty Insurance](https://www.ajg.com/insurance/casualty-insurance/). Gallagher; Holistic approach for better insurance and risk management in casualty: Automobile Liability, Workers Compensation, General/Product Liability, Umbrella/Excess Liability and alternative forms of risk transfer; Robust casualty risk analysis process; Casualty Practice Summary. Accessed 2026-09-23.

### Sources About Zurich U.S.

7. [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.
8. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
9. [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

10. [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.
11. [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.
12. [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.
13. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
14. [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.

## Gallagher Review Scores for 2026

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/gallagher/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/gallagher-vs-zurich/umbrella-excess.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)