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The Hartford vs Zurich U.S.

The Hartford describes commercial insurance products and services, 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. 4,25,21,7,2,1,8,17,19,12,13,15,26,59,60,64,65,66

Introduction

If you are choosing where to start a commercial insurance conversation, this pair helps separate The Hartford'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. 4 25 21 7 64 65

Coverage Comparison

CoverageThe HartfordZurich U.S.
Builders riskNot listedListed 58Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation.
Business owner’s policyListed 9,1The Hartford offers business owner’s policies combining property and liability coverage.Not listed
Commercial autoListed 17,1The Hartford offers commercial auto insurance as a business coverage; small businesses cannot currently buy it online and may be quoted through a local agency.Listed 43Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes.
Commercial propertyListed 11,1The Hartford offers commercial property insurance.Listed 41Zurich markets commercial property insurance.
CrimeListed 19The Hartford offers crime insurance as a management-liability coverage option.Listed 35Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms.
Cyber liabilityListed 13,1The Hartford offers cyber insurance and data-breach coverage.Listed 38Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
Directors and officersListed 19,20The Hartford offers directors and officers liability for private, public and nonprofit organizations.Listed 31Zurich markets directors and officers liability insurance.
Employment practices liabilityListed 16,1The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York.Listed 33Zurich markets Employment Practices Liability Insurance (EPLI).
Fidelity bondsNot listedListed 36Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability.
Fiduciary liabilityListed 19The Hartford offers fiduciary liability as a management-liability coverage option.Listed 31Zurich markets fiduciary liability insurance.
General liabilityListed 10,1The Hartford offers general liability insurance.Listed 30,29Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims.
Hired and non-owned autoListed 18,17The Hartford offers hired and non-owned auto coverage.Not listed
Kidnap and ransomListed 19The Hartford lists kidnap and ransom/extortion among its management-liability coverage options.Not listed
Management liabilityListed 19The Hartford offers management-liability packages, including Private Choice Premier.Listed 31Zurich markets a management liability portfolio with multiple distinct lines.
Professional errors and omissions (E&O)Listed 15The Hartford offers professional liability insurance for service businesses.Listed 37Zurich markets professional errors and omissions insurance.
Surety bondsNot listedListed 44Zurich markets construction and corporate surety bonds.
Technology errors and omissions (E&O)Listed 14,13The Hartford offers technology errors and omissions coverage through its FailSafe product.Listed 37Zurich markets technology errors and omissions insurance.
Tools, equipment and inland marineListed 23The Hartford offers inland marine insurance for midsize and large businesses.Listed 41Zurich’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.
Umbrella and excess liabilityListed 21,22The Hartford lists commercial umbrella insurance among its business coverage options.Listed 40Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit.
Workers’ compensationListed 12,1The Hartford offers workers’ compensation insurance.Listed 57Zurich markets workers’ compensation 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.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

The Hartford

Carrier

Carrier & MGA

7.3/ 10

Assessed provider: The Hartford. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.

Provider assessment

Zurich U.S.

Carrier

Carrier & MGA

No Spot Score

Assessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.

Provider assessment

Review Scores

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

The Hartford

4.9/ 10

Review Score

5 rated sources

The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.[1][2][4][5][6][7]

Read The Hartford reviews

Zurich U.S.

-/ 10

Review Score

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.[1][4][5][6][7]

Read Zurich U.S. reviews

How The Buying Route Differs

The Hartford's published role points to commercial insurance products and services; Zurich describes a commercial insurer group that works through agents and brokers. That distinction can guide whom you contact first: use The Hartford 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. 4 25 21 7 59 60 64 65

The application path affects who prepares the submission and which details your team must assemble. Compare The Hartford'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. 2 1 8 7 17 19 64 65

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 2 24 23 59 64

What The Coverage Lists Show

The current coverage lists overlap on General liability, Commercial property, Workers’ compensation. The Hartford also lists Business owner’s policy and Hired and non-owned auto among its documented lines; Zurich's list also names Surety bonds and Builders risk. A shared label is only a starting point: compare the proposed forms, limits, retentions, exclusions, and conditions for your specific operations. 9 10 11 12 18 30 57 41 44 58

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. 2 12 13 15 26 66

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. 2 1 8 7 17 19 64 65 66 69

Compare Services

What each provider documents about the services you may need

CriteriaThe HartfordZurich U.S.
Business role

Small businesses can buy insurance under The Hartford brand through its subsidiaries and independent agents; the brand itself is not the insurer named on the policy. The Hartford Insurance Group, Inc. is the financial holding company behind the brand. 4,25,21,7Company-reported. Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.

Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. 59,60Company-reported. Zurich U.S. operating brand; U.S. business; company description, not legal-entity or insurer attribution for an individual policy.

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. 63Company-reported. Brand naming only. No Zurich North America alias added pending clear evidence of completion.

Customer focus

The Hartford markets small-business insurance to SaaS companies, software startups, cloud and IT consulting firms, and other small businesses, and separately sells midsize/large commercial and employer benefits products. 1,2,24,23Company-reported. Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.

Zurich U.S. describes serving Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction, manufacturing and technology. 59,64Company-reported. Company-reported U.S. customer positioning; examples do not establish that a specific risk is eligible.

Application process

The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. 2,1,8,7,17,19Company-reported. Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.

Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. 64,65Company-reported. Zurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.

Servicing and renewals

The Hartford says small-business policyholders can retrieve certificates of insurance online at any time, manage billing and policy details through My Account or its mobile app, and, for workers’ compensation, use pay-as-you-go premium based on actual payroll and a My Workers’ Comp Connection portal. Cyber policyholders are described as having access to a Cyber Center with training and related resources. The reviewed sources did not disclose a published schedule of certificate, endorsement or installment-service fees charged to the insured. 2,12,13,15,26Company-reported. Company service descriptions as of 16 September 2026. Availability of a portal is not a measure of service quality.

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. 66Company-reported. Company-described My Zurich functions for existing policyholders; renewal details were not found in these reviewed pages.

Sources

The Hartford Official Website

  1. SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
  2. Small Business Insurance | Get a Quote. The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16.
  3. California Business Insurance. The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16.
  4. Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
  5. The Hartford Announces First Quarter 2025 Financial Results. The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16.
  6. About Us. The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16.
  7. Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
  8. Small Business Insurance Quote. The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Accessed 2026-09-16.
  9. Business Owner’s Policy (BOP) Insurance. The Hartford; Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; products-not-available-in-all-states footnote; last updated May 20, 2026. Accessed 2026-09-16.
  10. General Liability Insurance. The Hartford; General liability introduction and Get a Quote; stand-alone GL and BOP bundling; products-completed operations; technology-company example; subsidiary-offering disclosure; last updated May 20, 2026. Accessed 2026-09-16.
  11. Commercial Property Insurance. The Hartford; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; property and business-interruption descriptions; technology firms among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16.
  12. Workers' Compensation Insurance Plans. The Hartford; Benefits of The Hartford’s WC Insurance for Employers and Employees; quote route; state-requirement quiz (some states require a state-run program); pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16.
  13. Cyber Insurance for Small Businesses. The Hartford; Cyber insurance and data breach descriptions; BOP-endorsed cyber, CyberChoice First Response and FailSafe; Technology Errors and Omissions Insurance Coverage: FailSafe; Get a quote for cyber insurance; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16.
  14. Technology Errors and Omissions Insurance | Technology E&O. The Hartford; Technology Errors and Omissions Insurance Coverage: FailSafe Technology Liability Product Suite (E&O, security, data privacy and network security, personal injury, intellectual property, media liability); software and SaaS buyer classes; last updated September 19, 2024. Accessed 2026-09-16.
  15. Professional Liability Insurance Coverage. The Hartford; Who Needs Professional Liability Insurance Coverage?; industry offering list; miscellaneous professional liability; Errors & Omissions Insurance for Technology Companies; claims-made versus occurrence; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16.
  16. Employment Practices Liability Insurance | EPL Insurance. The Hartford; EPLI introduction; Hartford-provided EPLI; BOP inclusion; Private Choice Premier and Employers Premier Choice; footnote 2: built-in EPL coverage is not available in California, Minnesota, North Dakota or New York, and the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16.
  17. Commercial Auto Insurance Coverage. The Hartford; Small-business availability banner: not currently offered online for small businesses, with quotes through a local agency or partner; hired and non-owned auto description; footer product-availability disclosure; last updated August 27, 2026. Accessed 2026-09-16.
  18. Hired and Non-Owned Vehicle Insurance | HNOA. The Hartford; Hired and non-owned auto offering; liability-only limitations; availability banner; commercial-auto referral disclosure; last updated August 27, 2026. Accessed 2026-09-16.
  19. Management Liability Insurance | Get a Quote. The Hartford; Opening Private Choice Premier package description (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion) and agent route; Who Does Management Liability Insurance Protect?; Fiduciary Liability Insurance; Crime Insurance; option to add certain coverages to a BOP; management-liability organization sections. Accessed 2026-09-16.
  20. Directors and Officers Liability Insurance. The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations through Private Choice Premier; management-liability organization sections. Accessed 2026-09-16.
  21. Commercial Insurance. The Hartford; Insurer self-description; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages; about-10-minute quote claim; products not available in all states; coverages offered by P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16.
  22. Business Insurance Coverage. The Hartford; What Does Business Insurance Cover?: Commercial Umbrella Insurance; Other Business Coverages (EPL, data breach and others); products-not-available-in-all-states footnote; last updated July 28, 2025. Accessed 2026-09-16.
  23. Inland Marine Insurance Solutions. The Hartford; Inland Marine Insurance Solutions introduction; midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses; Find an Agent or Broker. Accessed 2026-09-16.
  24. Employee Benefits Insurance. The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16.
  25. Producer Compensation Property & Casualty. The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16.
  26. Insurance Claim Center. The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16.
  27. General Liability Claims | File A Claim. The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16.
  28. Hartford Fire Insurance Company. California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. Accessed 2026-09-16.

Zurich U.S. Official Website

  1. Business insurance for public & private companies | Zurich. Zurich U.S.; Zurich U.S. commercial coverage catalogue; line navigation and product links. Accessed 2026-09-28.
  2. Commercial Casualty Insurance | Zurich Insurance. 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.
  3. Management Liability Insurance | Zurich U.S. Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
  4. Directors and Officers Liability Insurance (D&O) | Zurich U.S. Zurich U.S.; D&O coverage, target companies, claims team. Accessed 2026-09-28.
  5. Employment Practices Liability Insurance (EPLI) | Zurich U.S. Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28.
  6. Fiduciary Liability Insurance | Zurich U.S. Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
  7. Commercial Crime & Fidelity Insurance Coverage | Zurich U.S. Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.
  8. ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28.
  9. Errors and Omissions Insurance – E&O | Zurich Insurance. Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28.
  10. Cyber Security Insurance and Coverage | Zurich Insurance. Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
  11. Zurich Cyber Insurance Policy. Zurich U.S.; Large/global cyber policy coverage and claims/response resources. Accessed 2026-09-28.
  12. Commercial Umbrella Insurance Coverage | Zurich Insurance. Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
  13. Commercial Property Insurance: Building & Business | Zurich. Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28.
  14. Insurance for Construction Companies | Zurich Insurance. Zurich U.S.; Builders risk offering; construction customers; construction coverages and risk services. Accessed 2026-09-28.
  15. Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich. Zurich U.S.; Commercial rental fleets, auto liability and physical damage, application and claims. Accessed 2026-09-28.
  16. Surety Bond Company: Construction & Corporate | Zurich. Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28.
  17. 2025 U.S. Small Commercial Insurance Study. J.D. Power; Indexed 2025 ranking PDF URL returned 404 when opened; score table not verified. Accessed 2026-09-28.
  18. 2025 U.S. Small Commercial Insurance Study - JD Power. J.D. Power; 2025 study methodology, sample size and field dates. Accessed 2026-09-28.
  19. U.S. Small Commercial Insurance Study - JD Power. J.D. Power; 2025 and 2026 profiled target brands and publication dates. Accessed 2026-09-28.
  20. Best Insurance Companies for Car Rental Businesses - NerdWallet. NerdWallet; Zurich 4.5/5 business editorial rating; commercial auto rental fleets; complaint analysis. Accessed 2026-09-28.
  21. Zurich Insurance Reviews | Trustpilot. Trustpilot; Global Zurich Insurance profile, TrustScore and review count. Accessed 2026-09-28.
  22. Zurich Property & Casualty Insurance Reviews from Real Customers | ConsumerAffairs. ConsumerAffairs; Zurich P&C profile rating/review count and mixed reviewer topics. Accessed 2026-09-28.
  23. Zurich American Insurance Company | BBB Business Profile. BBB; Business grade, accreditation, Zurich NA description and line list. Accessed 2026-09-28.
  24. Zurich American Insurance Company | BBB Reviews | Better Business Bureau. BBB; Customer Review Ratings and review count. Accessed 2026-09-28.
  25. NAIC Consumer Insurance Search. NAIC; Company/state/line consumer complaint lookup; interactive result did not render. Accessed 2026-09-28.
  26. List of financial strength and issuer credit ratings | Zurich Insurance. Zurich Insurance Group; Current ratings for Zurich American Insurance Company. Accessed 2026-09-28.
  27. AM Best Affirms Credit Ratings of Zurich Insurance Group Ltd and Its Main Rated Subsidiaries. AM Best; September 4, 2026 affirmations for Zurich American Insurance Company. Accessed 2026-09-28.
  28. ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; Product-page underwriting jurisdiction caveat; individual North American insurance entities. Accessed 2026-09-28.
  29. Workers’ Compensation Insurance | Zurich Insurance. Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28.
  30. Commercial Builders Risk Program | Zurich Insurance. 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.
  31. About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
  32. About Zurich U.S. | Zurich U.S. Insurance. Zurich U.S.; Opening paragraphs; relationship to Zurich Insurance Group. Accessed 2026-09-28.
  33. Terms of Use from Zurich U.S. | Zurich Insurance. 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.
  34. Zurich Insurance Group Annual Results 2025. 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.
  35. Zurich U.S. History. Zurich U.S.; 2026 history page, planned transition wording; completion date not stated. Accessed 2026-09-28.
  36. Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
  37. Contact Zurich U.S. Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28.
  38. My Zurich customer portal. Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28.
  39. Report a Claim. Zurich U.S.; Claim notice methods and stated acknowledgment workflow. Accessed 2026-09-28.
  40. Customer Care Center. Zurich U.S.; Published customer-care hours and contact. Accessed 2026-09-28.
  41. Zurich Producer Compensation. Zurich U.S. (company-reported); Disclosure updated May 2026: base/contingent arrangements and independently operating program administrator exclusion. Accessed 2026-09-28.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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