--- title: "THREE by Berkshire Hathaway vs Zurich U.S.: D&O Insurance" description: "THREE lists D&O within its combined BOP, while Zurich describes tailored D&O options and an attorney-staffed claims team." canonical: "https://spot.insure/compare/three-vs-zurich/directors-officers" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "three-vs-zurich" provider-a: "three" provider-b: "zurich" coverage-line: "directors-officers" --- 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/three-vs-zurich/directors-officers) ## Agent Guide **What this page is:** Focused comparison of THREE by Berkshire Hathaway and Zurich U.S. for D&O 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 D&O Insurance questions about THREE by Berkshire Hathaway 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:** - THREE by Berkshire Hathaway vs Zurich U.S. for D&O Insurance: how do they differ? - Which is better for D&O Insurance, THREE by Berkshire Hathaway or Zurich U.S.? - What does THREE by Berkshire Hathaway or Zurich U.S. publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from THREE by Berkshire Hathaway or Zurich U.S.? **Key facts:** - Line: D&O Insurance. Providers: THREE by Berkshire Hathaway 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:** - [THREE by Berkshire Hathaway vs Zurich U.S.](https://spot.insure/compare/three-vs-zurich) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence) - [THREE by Berkshire Hathaway vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/three-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/three-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/three-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/three-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/three-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/three-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/three-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/aig-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Zurich U.S. D&O Insurance](https://spot.insure/compare/aig-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Zurich U.S. D&O Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/amelia-risk-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Zurich U.S. D&O Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line) # THREE by Berkshire Hathaway vs Zurich U.S.: How Do They Compare for D&O Insurance? THREE lists D&O within its combined BOP, while Zurich describes tailored D&O options and an attorney-staffed claims team. ## How to Use the THREE by Berkshire Hathaway vs Zurich U.S. D&O Insurance Comparison Use this comparison to evaluate THREE by Berkshire Hathaway and Zurich U.S. for D&O 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. ## THREE by Berkshire Hathaway vs Zurich U.S. D&O Insurance Summary THREE lists D&O in its BOP. Zurich U.S. describes options for public, private, and nonprofit companies and says its D&O claims team members are attorneys. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [6](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") ## THREE small business insurance: coverage, issuer and buying routes THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) ## 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 Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [7](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [8](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [9](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between THREE by Berkshire Hathaway and Zurich U.S. D&O Insurance? ### Claims Team and Company Types Zurich says each member of its D&O claims team is an attorney and describes options for publicly traded, private, and nonprofit companies, including IPOs. THREE lists D&O among its combined BOP coverage categories; its published quote route does not set out D&O-specific eligibility or claims-service details. A company with a board claim concern can ask Zurich how its attorney team handles reporting and defense coordination; a THREE buyer should request the applicable claims instructions and confirm the line is available for its organization type. [6](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ### Coverage Terms and Package Context Zurich says D&O can protect directors’ and officers’ personal assets and address covered company legal fees and costs. THREE places D&O within a combined Business Owners Policy, but its product page does not say whether it appears in a particular buyer’s quote. Compare Zurich’s proposed terms with the D&O schedule and limit in the THREE BOP rather than assume that the listed category establishes matching protection. [6](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## What Should You Confirm in THREE by Berkshire Hathaway and Zurich U.S. D&O Insurance Quotes? - Ask Zurich how claims are reported and whether its attorney claims team is assigned to your policy. [6](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") - Ask THREE to confirm D&O inclusion, limit, deductible, and claims contact in the quote materials. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## THREE by Berkshire Hathaway vs Zurich U.S. D&O Insurance Compared | Criteria | THREE Business Owners Policy | Zurich Directors and Officers Liability Insurance | | --- | --- | --- | | Role in This Line | THREE presents Directors and Officers as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) | Confirm in your quote. | | Issuing Insurer | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy..) | Confirm in your quote. | | Who It’s For | The reviewed product page does not state separate eligibility rules for Directors and Officers; the general quote and advisor route is not proof that a particular business qualifies for it. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) | Zurich lists coverage options for publicly traded, private and nonprofit companies, including IPOs. [6](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; directors and officers liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | Coverage Features | THREE's Business Owners Policy page lists Directors & Officers among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Directors and Officers. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) | Zurich D&O can help protect directors’ and officers’ personal assets and address covered company legal fees and costs. [6](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; directors and officers liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | Limits and Retentions | The reviewed public product page does not state a separate limit or deductible for Directors and Officers; THREE says the quote-specific insurance summary lists limits and deductibles. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) | Confirm in your quote. | | How to Apply | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the route for the overall THREE product. It does not show whether Directors and Officers will be offered for a particular business or whether a customer can bind that line without an issued policy..) | Confirm in your quote. | | Claims Support | Confirm in your quote. | Zurich says every member of its D&O claims team is an attorney with current-litigation and global-exposure knowledge. [6](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; directors and officers liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | ## Related Pages for THREE by Berkshire Hathaway vs Zurich U.S. D&O - [THREE by Berkshire Hathaway vs Zurich U.S.](https://spot.insure/compare/three-vs-zurich): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [THREE by Berkshire Hathaway vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/three-vs-zurich/commercial-auto) - [THREE by Berkshire Hathaway vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/three-vs-zurich/commercial-property) - [THREE by Berkshire Hathaway vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/three-vs-zurich/cyber) - [THREE by Berkshire Hathaway vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/three-vs-zurich/employment-practices) - [THREE by Berkshire Hathaway vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/three-vs-zurich/fiduciary) - [THREE by Berkshire Hathaway vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/three-vs-zurich/general-liability) - [THREE by Berkshire Hathaway vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/three-vs-zurich/inland-marine) - [THREE by Berkshire Hathaway vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-zurich/professional-errors-omissions) - [THREE by Berkshire Hathaway vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-zurich/workers-compensation) - [AIG vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/aig-vs-three/directors-officers) - [AIG vs Zurich U.S. D&O Insurance](https://spot.insure/compare/aig-vs-zurich/directors-officers) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) - [Alliance Risk vs Zurich U.S. D&O Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/directors-officers) - [Amelia Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/amelia-risk-vs-three/directors-officers) - [Amelia Risk vs Zurich U.S. D&O Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/directors-officers) ## Sources for THREE by Berkshire Hathaway vs Zurich U.S. D&O Insurance ### Sources About THREE by Berkshire Hathaway 1. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form.. Accessed 2026-09-30. 2. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy.. Accessed 2026-09-30. 3. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE.. Accessed 2026-09-30. ### 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. [Management Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability). Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28. ### Sources for the D&O Insurance Guide 7. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 8. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 9. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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. ## THREE by Berkshire Hathaway Review Scores for 2026 Review Score: 7.3 / 10 from 2 rated sources, equally weighted. The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure. - NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance) - Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com) - BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/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/three-vs-zurich/directors-officers.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)