---
title: "Gallagher vs Zurich U.S.: Workers’ Compensation Insurance"
description: "Gallagher lists retraining and temporary-replacement costs in its benefit description; Zurich’s published claim names medical expenses and wage replacement."
canonical: "https://spot.insure/compare/gallagher-vs-zurich/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "gallagher-vs-zurich"
provider-a: "gallagher"
provider-b: "zurich"
coverage-line: "workers-compensation"
---

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/workers-compensation)

## Agent Guide

**What this page is:** Focused comparison of Gallagher and Zurich U.S. for Workers’ Compensation 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 Workers’ Compensation 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 Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Gallagher or Zurich U.S.?
- What does Gallagher or Zurich U.S. publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Workers’ Compensation Insurance from Gallagher or Zurich U.S.?

**Key facts:**
- Line: Workers’ Compensation 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
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — 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. Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-gallagher/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line)

# Gallagher vs Zurich U.S.: How Do They Compare for Workers’ Compensation Insurance?

Gallagher lists retraining and temporary-replacement costs in its benefit description; Zurich’s published claim names medical expenses and wage replacement.

## How to Use the Gallagher vs Zurich U.S. Workers’ Compensation Insurance Comparison

Use this comparison to evaluate Gallagher and Zurich U.S. for Workers’ Compensation 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. Workers’ Compensation Insurance Summary

Gallagher’s small-business page includes retraining and temporary-replacement wages among its workers’ compensation costs; Zurich describes eligible medical and wage benefits. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") [9](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | 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 Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [10](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [11](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [12](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [13](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## What Are the Key Differences Between Gallagher and Zurich U.S. Workers’ Compensation Insurance?

### Recovery-Related Costs

Gallagher describes coverage for medical costs and lost wages and also lists retraining an injured employee returning to work, related legal fees, and wages for a temporary replacement worker. Gallagher’s cited page lists retraining and temporary-replacement wages alongside medical and wage benefits; Zurich’s cited claim names eligible medical expenses and wage replacement. Ask each market which listed costs appear as policy benefits, services, or outside the policy. If a prolonged absence could disrupt staffing, ask each market which of those costs are insured benefits, services, or outside the policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") [9](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance")

### Ways to Start a Quote

Gallagher offers an online quote form, a small-business advisor phone line, and a scheduled callback request. Gallagher offers an online quote form, phone support, and a callback request. Ask Gallagher what its form collects and ask Zurich’s agent how to quote the same locations and job classes. If you need to cover several locations or job classes, ask Gallagher what the online form collects and ask Zurich which agent or broker can quote the same exposure and state requirements. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") [9](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance")

## What Should You Confirm in Gallagher and Zurich U.S. Workers’ Compensation Insurance Quotes?

- Ask Gallagher what payroll, job-class, and state information its quote form requests and whether an advisor callback can cover several locations. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")
- Ask Zurich which agent or broker can quote the same locations and what submission information is needed. [9](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance")

## Gallagher vs Zurich U.S. Workers’ Compensation Insurance Compared

| Criteria | Gallagher Small Business Workers' Compensation Insurance | Zurich Workers’ Compensation |
| --- | --- | --- |
| Role in This Line | Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Gallagher Small Business's direct-to-small-business workers' compensation product page..) | Confirm in your quote. |
| Issuing Insurer | The workers' compensation product page does not name the insurer that would issue a given business's policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Not publicly disclosed; scope: Checked the workers' compensation product page on 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Gallagher says workers' compensation is typically mandated by state law based on employee count, which varies by state, and notes that Texas allows employers to opt out, though an employer can still be sued if an employee is hurt. It says any business with employees most likely needs a policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Product page eligibility and market-trends sections; actual state requirements should be confirmed for the buyer's location..) | Confirm in your quote. |
| Coverage Features | Gallagher describes workers' compensation as covering medical costs and lost wages from a workplace injury or illness, costs to retrain a returning injured employee, related legal fees, and wages for a temporary replacement worker. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Product page coverage overview; the issued policy and its exclusions control..)<br><br>Gallagher lists overexertion, slips/trips/falls, electrocution, being struck by or against objects, transportation incidents, machinery accidents, unintentional overdoses, workplace violence, and exposure to harmful substances as the top workers' compensation claim causes it tracks. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Product page "Top 10 workers' compensation claims" list; a general industry pattern, not specific to any one policyholder..) | Zurich describes workers’ compensation benefits for employees injured or made ill at work, including eligible medical expenses and wage replacement. [9](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| Limits and Retentions | The workers' compensation product page does not publish premium ranges; statutory benefit levels are set by state law rather than the policy's published limits. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Not publicly disclosed; scope: Checked the workers' compensation product page on 2026-09-23..) | Confirm in your quote. |
| Risk Services | Confirm in your quote. | Zurich describes Workplace Injury Triage and Narcotic Evaluation as medical-management services supporting treatment and billing review. [9](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| How to Apply | Gallagher offers an online quote form, a small business advisor phone line (1.833.292.9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a workers' compensation quote. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..) | Confirm in your quote. |
| Claims Support | Confirm in your quote. | Zurich links WC customers to a dedicated claim-reporting process and explains that the carrier reviews, investigates and decides benefit eligibility. [9](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |

## Related Pages for Gallagher vs Zurich U.S. Workers’ Compensation

- [Gallagher vs Zurich U.S.](https://spot.insure/compare/gallagher-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [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. Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-zurich/umbrella-excess)
- [AIG vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-gallagher/workers-compensation)
- [AIG vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-zurich/workers-compensation)
- [Alliance Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/workers-compensation)
- [Alliance Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/workers-compensation)
- [Amelia Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/workers-compensation)
- [Amelia Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/workers-compensation)

## Sources for Gallagher vs Zurich U.S. Workers’ Compensation Insurance

### 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. [Workers' Compensation Insurance](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/). Gallagher Small Business; Workers' Comp Insurance Overview; Do you need a Workers' Compensation insurance policy; Benefits of Workers' Compensation Insurance; Workers' Comp market trends; Top 10 workers' compensation claims; Get Covered Now. 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. [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.

### Sources for the Workers’ Compensation Insurance Guide

10. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
11. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
12. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
13. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. 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/workers-compensation.md)
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- [Public MCP server](https://spot.insure/mcp)
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