--- title: "Travelers vs Zurich U.S." description: "Compare Travelers and Zurich U.S. by business role, documented product lines, application route, and policyholder service." canonical: "https://spot.insure/compare/travelers-vs-zurich" page-type: "provider-comparison" updated-at: "2026-09-30" --- 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/travelers-vs-zurich) # Travelers vs Zurich U.S. Compare Travelers and Zurich U.S. by business role, documented product lines, application route, and policyholder service. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Highlights Travelers 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. [28](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [21](https://www.travelers.com/about-travelers "Who We Are") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us") [23](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [22](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") [18](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") [62](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [63](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") [67](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [68](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") [69](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") ## Provider Reliability Assessments These sourced assessments are shown for context; this comparison does not select a winner. ### Travelers Role: Insurance carrier. Carrier & MGA Spot Score: **6.1/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates The Travelers Indemnity Company A++ (Superior) with a stable outlook, but a rating is an opinion, not a financial statement. Standalone statutory figures for the named insurers were not collected and the other financial evidence describes the consolidated group, so the issuing entity’s own resources are not established.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://spot.insure/insurance-providers/travelers/reliability). ### Zurich U.S. Role: Insurance carrier. Carrier & MGA Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2026-10-29. Read the [full reliability assessment](https://spot.insure/insurance-providers/zurich/reliability). ## Travelers Reviews Review Score: 4.8 / 10 from 3 rated sources, equally weighted. Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance) - Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Travelers](https://www.trustpilot.com/review/travelers.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/travelers/reviews). ## Zurich U.S. Reviews 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). ## Introduction If you are choosing where to start a commercial insurance conversation, this pair helps separate Travelers'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. [28](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [21](https://www.travelers.com/about-travelers "Who We Are") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [67](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [68](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") ## Coverage Comparison | Coverage Type | Travelers | Zurich U.S. | | --- | --- | --- | | [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation. [61](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") | | [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Travelers offers business owner’s policies for small technology-services businesses. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") | Not listed | | [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Travelers offers cargo insurance through its transportation, cargo and logistics offering. [13](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | Not listed | | [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Travelers offers commercial auto insurance. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") | Listed: Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes. [46](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") | | [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Travelers offers commercial property insurance. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") | Listed: Zurich markets commercial property insurance. [44](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") | | [Crime](https://spot.insure/coverage/crime) | Listed: Travelers offers commercial crime insurance. [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") | Listed: Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms. [38](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") | | [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies. [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | Listed: Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product. [41](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") | | [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Travelers offers directors and officers liability insurance. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") | Listed: Zurich markets directors and officers liability insurance. [34](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Travelers offers employment practices liability insurance. [11](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") | Listed: Zurich markets Employment Practices Liability Insurance (EPLI). [36](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") | | [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: Travelers offers equipment breakdown insurance. [15](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") | Not listed | | [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed: Travelers offers ERISA fidelity bonds. [14](https://www.travelers.com/surety-bond "Surety Bonds") [8](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | Listed: Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability. [39](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") | | [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Travelers offers fiduciary liability insurance. [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") | Listed: Zurich markets fiduciary liability insurance. [34](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [General liability](https://spot.insure/coverage/general-liability) | Listed: Travelers offers general liability insurance. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") | Listed: Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims. [33](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance") [32](https://www.zurichna.com/insurance "Business insurance for public & private companies | Zurich") | | [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: Travelers offers kidnap and ransom insurance. [8](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [19](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") | Not listed | | [Management liability](https://spot.insure/coverage/management-liability) | Listed: Travelers offers management liability insurance. [8](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | Listed: Zurich markets a management liability portfolio with multiple distinct lines. [34](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [Media liability](https://spot.insure/coverage/media) | Listed: Travelers offers media liability insurance through CyberRisk Tech for technology and life-sciences companies. [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | Not listed | | [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Travelers offers professional errors and omissions insurance. [27](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") | Listed: Zurich markets professional errors and omissions insurance. [40](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") | | [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Travelers offers surety bonds. [14](https://www.travelers.com/surety-bond "Surety Bonds") | Listed: Zurich markets construction and corporate surety bonds. [47](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") | | [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | Listed: Zurich markets technology errors and omissions insurance. [40](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") | | [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: Travelers offers inland marine insurance. [13](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | Listed: Zurich’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. [44](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") | | [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Travelers offers commercial umbrella and excess liability insurance. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [26](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") | Listed: Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit. [43](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") | | [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Travelers offers workers’ compensation insurance. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [25](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") | Listed: Zurich markets workers’ compensation insurance. [60](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich 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. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## How The Buying Route Differs Travelers'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 Travelers 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. [28](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [21](https://www.travelers.com/about-travelers "Who We Are") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [62](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [63](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") [67](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [68](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") The application path affects who prepares the submission and which details your team must assemble. Compare Travelers'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. [6](https://www.travelers.com/contact-us "Contact Us") [23](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [22](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") [67](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [68](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [4](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [62](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [67](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") ## What The Coverage Lists Show The current coverage lists overlap on Commercial auto, Commercial property, Crime. Travelers also lists Business owner’s policy and Cargo and transit among its documented lines; Zurich's list also names Builders risk. A shared label is only a starting point: compare the proposed forms, limits, retentions, exclusions, and conditions for your specific operations. [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [13](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [38](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") [46](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") [44](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") [61](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") ## 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. [18](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") [6](https://www.travelers.com/contact-us "Contact Us") [69](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") ## 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. [6](https://www.travelers.com/contact-us "Contact Us") [23](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [22](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") [67](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [68](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") [69](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") [72](https://www.zurichna.com/producercompensation "Zurich Producer Compensation") ## Compare Services What each provider documents about the services you may need. | Criteria | Travelers | Zurich U.S. | | --- | --- | --- | | Business role | Travelers sells property-and-casualty insurance through its operating subsidiaries; The Travelers Companies, Inc. is the holding company, not the policy issuer. Policies may name The Travelers Indemnity Company or another affiliate. [28](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [21](https://www.travelers.com/about-travelers "Who We Are") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Verified; scope: Group role as of 16 September 2026. The legal insurer on a buyer’s policy is the company named in that policy or binder, which can differ by product and state.; verified: 2026-09-16.)

Travelers says it primarily sells U.S. insurance through independent agents and brokers, whom it calls producers and who are not Travelers employees. It also owns Simply Business, Inc. and InsuraMatch, LLC, licensed digital independent agencies it says operate nationwide. [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") (Evidence: Company-reported; scope: U.S. distribution disclosure. Ownership of digital agencies does not establish that those agencies place technology business insurance for a given buyer, including in California.; verified: 2026-09-16.) | Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. [62](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [63](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich U.S. operating brand; U.S. business; company description, not legal-entity or insurer attribution for an individual policy.; verified: 2026-09-29.)

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. [66](https://www.zurichna.com/about/history "Zurich U.S. History") (Evidence: Company-reported; scope: Brand naming only. No Zurich North America alias added pending clear evidence of completion.; verified: 2026-09-29.) | | Customer focus | Travelers markets technology insurance to startups and established industry leaders, including software developers and platforms, technology consultants, IT staffing companies, network integrators, electronics manufacturers, telecommunications firms and platform-economy companies. A separate small-business technology-services BOP is described for classes such as software development, web developers and IT consultants. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [4](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Company-described audiences on technology and small-business pages. Marketing to a class is not underwriting approval, and eligibility remains quote-specific.; verified: 2026-09-16.) | Zurich U.S. describes serving Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction, manufacturing and technology. [62](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [67](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") (Evidence: Company-reported; scope: Company-reported U.S. customer positioning; examples do not establish that a specific risk is eligible.; verified: 2026-09-29.) | | Application process | Travelers tells business buyers to get a quote through an independent agent, using a public agency locator. Its 2025 Form 10-K says Select Accounts uses an automated underwriting platform so agents can quote, bind and issue a substantial amount of small-business risks, while more complex risks are underwritten with company personnel. Technology and CyberRisk Tech pages likewise tell buyers to consult an agent or Travelers representative; a direct public bind path for technology packages was not found on the reviewed pages. [6](https://www.travelers.com/contact-us "Contact Us") [23](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [29](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [22](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) | Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. [67](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [68](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.; verified: 2026-09-29.) | | Servicing and renewals | MyTravelers for Business lists online bill payment, claim reporting and tracking, policy documents and certificates. The page lists real-time certificates without a segment footnote. Footnote 1 qualifies display of limits, deductibles and policy changes for Select Accounts and National Programs Commercial Multi-Peril customers. Footnote 2 limits adding additional interests while creating a certificate to Select Accounts and National Programs Commercial Multi-Peril Service Center customers. [18](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") [6](https://www.travelers.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Portal and contact descriptions as of 16 September 2026. Feature availability can differ by account segment; this is not a service-quality finding.; verified: 2026-09-30.) | 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. [69](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") (Evidence: Company-reported; scope: Company-described My Zurich functions for existing policyholders; renewal details were not found in these reviewed pages.; verified: 2026-09-29.) | ## Related Reading - [What Is Travelers Insurance?](https://spot.insure/insurance-providers/travelers) - [Zurich U.S. Business Insurance: Products, Access, and Claims](https://spot.insure/insurance-providers/zurich) ## Related Comparisons - [AIG vs Travelers](https://spot.insure/compare/aig-vs-travelers) - [AIG vs Zurich U.S.](https://spot.insure/compare/aig-vs-zurich) - [Alliance Risk vs Travelers](https://spot.insure/compare/alliance-risk-vs-travelers) - [Alliance Risk vs Zurich U.S.](https://spot.insure/compare/alliance-risk-vs-zurich) - [Amelia Risk vs Travelers](https://spot.insure/compare/amelia-risk-vs-travelers) - [Amelia Risk vs Zurich U.S.](https://spot.insure/compare/amelia-risk-vs-zurich) - [Aon vs Travelers](https://spot.insure/compare/aon-vs-travelers) - [Aon vs Zurich U.S.](https://spot.insure/compare/aon-vs-zurich) - [Armilla vs Travelers](https://spot.insure/compare/armilla-vs-travelers) - [Armilla vs Zurich U.S.](https://spot.insure/compare/armilla-vs-zurich) - [At-Bay vs Travelers](https://spot.insure/compare/at-bay-vs-travelers) - [At-Bay vs Zurich U.S.](https://spot.insure/compare/at-bay-vs-zurich) - [The Baldwin Group vs Travelers](https://spot.insure/compare/baldwin-vs-travelers) - [The Baldwin Group vs Zurich U.S.](https://spot.insure/compare/baldwin-vs-zurich) - [Beazley vs Travelers](https://spot.insure/compare/beazley-vs-travelers) - [Beazley vs Zurich U.S.](https://spot.insure/compare/beazley-vs-zurich) - [Berkshire Hathaway Specialty Insurance vs Travelers](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers) - [Berkshire Hathaway Specialty Insurance vs Zurich U.S.](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-zurich) - [biBerk vs Travelers](https://spot.insure/compare/biberk-vs-travelers) - [biBerk vs Zurich U.S.](https://spot.insure/compare/biberk-vs-zurich) - [CFC vs Travelers](https://spot.insure/compare/cfc-vs-travelers) - [CFC vs Zurich U.S.](https://spot.insure/compare/cfc-vs-zurich) - [Chubb vs Travelers](https://spot.insure/compare/chubb-vs-travelers) - [Chubb vs Zurich U.S.](https://spot.insure/compare/chubb-vs-zurich) - [CNA vs Travelers](https://spot.insure/compare/cna-vs-travelers) - [CNA vs Zurich U.S.](https://spot.insure/compare/cna-vs-zurich) - [Coalition vs Travelers](https://spot.insure/compare/coalition-vs-travelers) - [Coalition vs Zurich U.S.](https://spot.insure/compare/coalition-vs-zurich) - [Corgi vs Travelers](https://spot.insure/compare/corgi-vs-travelers) - [Corgi vs Zurich U.S.](https://spot.insure/compare/corgi-vs-zurich) - [Coterie Insurance vs Travelers](https://spot.insure/compare/coterie-vs-travelers) - [Coterie Insurance vs Zurich U.S.](https://spot.insure/compare/coterie-vs-zurich) - [Counterpart vs Travelers](https://spot.insure/compare/counterpart-vs-travelers) - [Counterpart vs Zurich U.S.](https://spot.insure/compare/counterpart-vs-zurich) - [Coverdash vs Travelers](https://spot.insure/compare/coverdash-vs-travelers) - [Coverdash vs Zurich U.S.](https://spot.insure/compare/coverdash-vs-zurich) - [Cowbell vs Travelers](https://spot.insure/compare/cowbell-vs-travelers) - [Cowbell vs Zurich U.S.](https://spot.insure/compare/cowbell-vs-zurich) - [Embroker vs Travelers](https://spot.insure/compare/embroker-vs-travelers) - [Embroker vs Zurich U.S.](https://spot.insure/compare/embroker-vs-zurich) ## Sources ### [Travelers Official Website](https://www.travelers.com/business-insurance/technology) 1. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 2. [Small Business Technology Services Insurance](https://www.travelers.com/small-business-insurance/technology-services). Travelers; Technology services BOP inclusions; eligible small-business classes; EPL+ and World Business Essentials add-ons; independent-agent CTA. Accessed 2026-09-16. 3. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech product description; insuring agreements including technology E&O, privacy and security, media, regulatory proceedings and breach response; Cyber Risk Services; agent consultation CTA. Accessed 2026-09-16. 4. [IT Insurance](https://www.travelers.com/business-insurance/technology/information-technology). Travelers; IT audience (software, consultants, staffing, network integration) and listed products including CyberRisk Tech and employment practices liability. Accessed 2026-09-16. 5. [Business and Commercial Insurance Policy Quotes](https://www.travelers.com/business-insurance). Travelers; Find an insurance agent CTA; product tiles including cyber, management and professional liability, BOP, surety, workers compensation; cost depends on risk factors; A.M. Best A++ company statement. Accessed 2026-09-16. 6. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 7. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 8. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; Management & Professional Liability product selection: D&O, EPL, ERISA fidelity, E&O, fidelity and crime, fiduciary, kidnap and ransom; stand-alone or suite; private, public, nonprofit and financial institutions. Accessed 2026-09-16. 9. [Directors and Officers (D&O) Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers). Travelers; D&O product description; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 10. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; Fiduciary liability offering for private, public, nonprofit and financial institutions; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 11. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; EPL product description for private, public, nonprofit and financial institutions; independent-agent CTA. Accessed 2026-09-16. 12. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; Fidelity and crime insuring agreements including social engineering, computer fraud and employee dishonesty; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 13. [Inland Marine Insurance](https://www.travelers.com/business-insurance/inland-marine). Travelers; Inland Marine products: construction and specialized property, property in transit, computers and electronics; Transportation, Cargo and Logistics. Accessed 2026-09-16. 14. [Surety Bonds](https://www.travelers.com/surety-bond). Travelers; Listed bond types including bid/performance/payment, license and permit, and ERISA fidelity. Accessed 2026-09-16. 15. [Equipment Breakdown Insurance Coverage](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage). Travelers; EnergyMax 21 equipment-breakdown package, including high-tech businesses among stated audiences. Accessed 2026-09-16. 16. [Business Insurance Claims](https://www.travelers.com/business-insurance/claims). Travelers; 24/7/365 reporting via agent, online system or 800.238.6225; Technology claim unit since 1998; equipment-breakdown and inland marine claim units. Accessed 2026-09-16. 17. [File a Business Claim](https://www.travelers.com/claims/file-claim/business). Travelers; MyTravelers for Business login path to file a claim. Accessed 2026-09-16. 18. [MyTravelers for Business Online Self-Service Capabilities](https://www.travelers.com/small-business-insurance/mytravelers). Travelers; Pay bills, report and track claims, policy documents, certificates; footnotes limiting some features to Select Accounts and National Programs Commercial Multi-Peril customers. Accessed 2026-09-16. 19. [Global Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/global/technology-companion). Travelers; Global Companion Plus+ coverages; U.S. product described as non-admitted; INI network in over 150 countries; kidnap and ransom among listed coverages. Accessed 2026-09-16. 20. [Global Insurance](https://www.travelers.com/business-insurance/global). Travelers; Global insurance for U.S. companies doing business abroad; Global Companion Plus+ versus Controlled Master Programs. Accessed 2026-09-16. 21. [Who We Are](https://www.travelers.com/about-travelers). Travelers; Property-casualty insurer; more than 30,000 employees and 15,000 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland. Accessed 2026-09-16. 22. [Benefit from the Personal Attention of a Travelers Independent Agent](https://www.travelers.com/about-travelers/value-of-an-agent). Travelers; Independent agents are not captive to one company; can help with claims and policy updates; Travelers.com/find agent CTA. Accessed 2026-09-16. 23. [Find the nearest Travelers Insurance agency](https://agent.travelers.com/search). Travelers; Public independent-agency locator for home, auto, business and renters insurance. Accessed 2026-09-16. 24. [Travelers Insurance agencies in CA](https://agent.travelers.com/ca). Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16. 25. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; Product description; buy via local Travelers agent; The Travelers Indemnity Company footer; monopolistic-state qualification. Accessed 2026-09-16. 26. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). Travelers; Commercial Umbrella Insurance introduction; A/B umbrella, excess liability and Northfield excess and surplus lines; purchase through an independent agent. Accessed 2026-09-16. 27. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; Professional E&O offerings including miscellaneous professional liability; independent-agent CTA. Accessed 2026-09-16. 28. [Travelers Investor Relations Corporate Profile](https://investor.travelers.com/home/default.aspx). The Travelers Companies, Inc.; NYSE: TRV; property casualty insurance for auto, home and business sold primarily through independent agents and brokers; operations in the United States and selected international markets. Accessed 2026-09-16. 29. [The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm). U.S. Securities and Exchange Commission; Item 1 Business: holding company; Business Insurance distributed through independent agencies and brokers; Select Accounts automated quote/bind/issue for many small risks; Bond & Specialty distribution; California premium-share tables. Accessed 2026-09-16. 30. [California Department of Insurance company profile: Travelers Indemnity Company (The)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile). California Department of Insurance; NAIC 25658; California Company ID 4772-0; authorized 06/17/2002; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548; authorized lines including liability, fire, workers’ compensation and surety. Accessed 2026-09-16. 31. [California Department of Insurance company profile: Travelers Casualty and Surety Company of America](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile). California Department of Insurance; NAIC 31194; California Company ID 2444-8; authorized 07/31/1981; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548. Accessed 2026-09-16. ### [Zurich U.S. Official Website](https://www.zurichna.com/) 32. [Business insurance for public & private companies | Zurich](https://www.zurichna.com/insurance). Zurich U.S.; Zurich U.S. commercial coverage catalogue; line navigation and product links. Accessed 2026-09-28. 33. [Commercial Casualty Insurance | Zurich Insurance](https://www.zurichna.com/insurance/casualty). 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. 34. [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. 35. [Directors and Officers Liability Insurance (D&O) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/directors-and-officers-liability-insurance) Zurich U.S.; D&O coverage, target companies, claims team. Accessed 2026-09-28. 36. [Employment Practices Liability Insurance (EPLI) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance) Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28. 37. [Fiduciary Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance) Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28. 38. [Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/crime-insurance) Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28. 39. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28. 40. [Errors and Omissions Insurance – E&O | Zurich Insurance](https://www.zurichna.com/insurance/errors-and-omissions). Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28. 41. [Cyber Security Insurance and Coverage | Zurich Insurance](https://www.zurichna.com/insurance/cyber). Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28. 42. [Zurich Cyber Insurance Policy](https://www.zurichna.com/insurance/cyber/policy). Zurich U.S.; Large/global cyber policy coverage and claims/response resources. Accessed 2026-09-28. 43. [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. 44. [Commercial Property Insurance: Building & Business | Zurich](https://www.zurichna.com/insurance/commercial-property). Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28. 45. [Insurance for Construction Companies | Zurich Insurance](https://www.zurichna.com/industries/construction). Zurich U.S.; Builders risk offering; construction customers; construction coverages and risk services. Accessed 2026-09-28. 46. [Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich](https://www.zurichna.com/insurance/auto-rental). Zurich U.S.; Commercial rental fleets, auto liability and physical damage, application and claims. Accessed 2026-09-28. 47. [Surety Bond Company: Construction & Corporate | Zurich](https://www.zurichna.com/insurance/surety). Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28. 48. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf). J.D. Power; Indexed 2025 ranking PDF URL returned 404 when opened; score table not verified. Accessed 2026-09-28. 49. [2025 U.S. Small Commercial Insurance Study - JD Power](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study). J.D. Power; 2025 study methodology, sample size and field dates. Accessed 2026-09-28. 50. [U.S. Small Commercial Insurance Study - JD Power](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/). J.D. Power; 2025 and 2026 profiled target brands and publication dates. Accessed 2026-09-28. 51. [Best Insurance Companies for Car Rental Businesses - NerdWallet](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance). NerdWallet; Zurich 4.5/5 business editorial rating; commercial auto rental fleets; complaint analysis. Accessed 2026-09-28. 52. [Zurich Insurance Reviews | Trustpilot](https://www.trustpilot.com/review/www.zurich.com). Trustpilot; Global Zurich Insurance profile, TrustScore and review count. Accessed 2026-09-28. 53. [Zurich Property & Casualty Insurance Reviews from Real Customers | ConsumerAffairs](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html). ConsumerAffairs; Zurich P&C profile rating/review count and mixed reviewer topics. Accessed 2026-09-28. 54. [Zurich American Insurance Company | BBB Business Profile](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903). BBB; Business grade, accreditation, Zurich NA description and line list. Accessed 2026-09-28. 55. [Zurich American Insurance Company | BBB Reviews | Better Business Bureau](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews). BBB; Customer Review Ratings and review count. Accessed 2026-09-28. 56. [NAIC Consumer Insurance Search](https://content.naic.org/consumer/insurance-company-search). NAIC; Company/state/line consumer complaint lookup; interactive result did not render. Accessed 2026-09-28. 57. [List of financial strength and issuer credit ratings | Zurich Insurance](https://www.zurich.com/investor-relations/ratings). Zurich Insurance Group; Current ratings for Zurich American Insurance Company. Accessed 2026-09-28. 58. [AM Best Affirms Credit Ratings of Zurich Insurance Group Ltd and Its Main Rated Subsidiaries](https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=37747). AM Best; September 4, 2026 affirmations for Zurich American Insurance Company. Accessed 2026-09-28. 59. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; Product-page underwriting jurisdiction caveat; individual North American insurance entities. Accessed 2026-09-28. 60. [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. 61. [Commercial Builders Risk Program | Zurich Insurance](https://www.zurichna.com/insurance/zpm/construction/commercial). 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. 62. [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. 63. [About Zurich U.S. | Zurich U.S. Insurance](https://www.zurichna.com/media/about-zurich). Zurich U.S.; Opening paragraphs; relationship to Zurich Insurance Group. Accessed 2026-09-28. 64. [Terms of Use from Zurich U.S. | Zurich Insurance](https://www.zurichna.com/services/terms-of-use). 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. 65. [Zurich Insurance Group Annual Results 2025](https://www.zurich.com/-/media-assets/project/zurich/dotcom/investor-relations/docs/results/2025/q4/consolidated-financial-statements-annual-results-2025.pdf). 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. 66. [Zurich U.S. History](https://www.zurichna.com/about/history). Zurich U.S.; 2026 history page, planned transition wording; completion date not stated. Accessed 2026-09-28. 67. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers) Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 68. [Contact Zurich U.S.](https://www.zurichna.com/about/contact-us) Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28. 69. [My Zurich customer portal](https://www.zurichna.com/digital-application-suite). Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28. 70. [Report a Claim](https://www.zurichna.com/claims/report-a-claim). Zurich U.S.; Claim notice methods and stated acknowledgment workflow. Accessed 2026-09-28. 71. [Customer Care Center](https://www.zurichna.com/about/contact-us/customer-care-center). Zurich U.S.; Published customer-care hours and contact. Accessed 2026-09-28. 72. [Zurich Producer Compensation](https://www.zurichna.com/producercompensation). Zurich U.S. (company-reported); Disclosure updated May 2026: base/contingent arrangements and independently operating program administrator exclusion. Accessed 2026-09-28. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/travelers-vs-zurich.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)