---
title: "Zurich U.S. Business Insurance: Products, Access, and Claims"
description: "Zurich U.S. describes a commercial property-casualty and specialty insurance business serving middle-market and larger companies through agents and brokers."
canonical: "https://spot.insure/insurance-providers/zurich"
page-type: "provider-profile"
updated-at: "2026-09-29"
---

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# Zurich U.S. Business Insurance: Products, Access, and Claims

Zurich U.S. describes a commercial property-casualty and specialty insurance business serving middle-market and larger companies through agents and brokers.

## Before You Quote

Ask about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Company Details

- **Company:** Zurich U.S.
- **Stated focus:** U.S. commercial property-casualty and specialty insurance for Middle Market businesses and large or national accounts.
- **Official website:** [zurichna.com](https://www.zurichna.com/)

### Coverage Offered

- [Builders risk](https://spot.insure/coverage/builders-risk): Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation. [30](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")
- [Commercial auto](https://spot.insure/coverage/commercial-auto): Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes. [15](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich")
- [Commercial property](https://spot.insure/coverage/commercial-property): Zurich markets commercial property insurance. [13](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich")
- [Crime](https://spot.insure/coverage/crime): Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms. [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.")
- [Cyber liability](https://spot.insure/coverage/cyber): Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product. [10](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance")
- [Directors and officers](https://spot.insure/coverage/directors-officers): Zurich markets directors and officers liability insurance. [3](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.")
- [Employment practices liability](https://spot.insure/coverage/employment-practices): Zurich markets Employment Practices Liability Insurance (EPLI). [5](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.")
- [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds): Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability. [8](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance")
- [Fiduciary liability](https://spot.insure/coverage/fiduciary): Zurich markets fiduciary liability insurance. [3](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.")
- [General liability](https://spot.insure/coverage/general-liability): Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims. [2](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance") [1](https://www.zurichna.com/insurance "Business insurance for public & private companies | Zurich")
- [Management liability](https://spot.insure/coverage/management-liability): Zurich markets a management liability portfolio with multiple distinct lines. [3](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.")
- [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions): Zurich markets professional errors and omissions insurance. [9](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance")
- [Surety bonds](https://spot.insure/coverage/surety-bonds): Zurich markets construction and corporate surety bonds. [16](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): Zurich markets technology errors and omissions insurance. [9](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): 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. [13](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich")
- [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess): Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit. [12](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")
- [Workers’ compensation](https://spot.insure/coverage/workers-compensation): Zurich markets workers’ compensation insurance. [29](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance")

## Coverage Line Pages

- [Zurich U.S. Builders Risk Insurance](https://spot.insure/insurance-providers/zurich/builders-risk)
- [Zurich U.S. Crime Insurance](https://spot.insure/insurance-providers/zurich/crime)
- [Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/zurich/professional-errors-omissions)

## Reliability Assessment

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).

## 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).

## 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.

Zurich U.S. is the commercial insurance operating brand of Zurich Insurance Group in the United States. Its pages describe commercial property-casualty and specialty products for businesses across industries including construction, manufacturing, automotive, agriculture and technology. **Start with the line and your business profile, then confirm the issuing company, state availability and terms with the agent or broker handling the quote.** [31](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [32](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance")

## Pros and Cons

### Pros

- Zurich publishes a broad commercial portfolio, including general liability, workers’ compensation, commercial auto and excess coverage. [2](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance")
- Its U.S. property materials separately identify Inland Marine examples such as contractors’ equipment and warehouse liability. [13](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich")

### Cons

- The commercial-auto evidence in this profile is specific to rental fleets, so buyers with other vehicle operations should ask whether the relevant class is eligible. [15](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich")
- Zurich’s Builders Risk page gives conflicting project-value descriptions; ask the broker to confirm the applicable threshold for the project being quoted. [30](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")

## Who Zurich Serves and How to Reach It

Zurich describes customers ranging from Middle Market businesses to large and national accounts. Its agent and broker pages provide a locator and contact route. The reviewed materials do not establish a general online purchase flow for commercial coverage.

Zurich U.S. describes serving Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction, manufacturing and technology. [31](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [36](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.)

Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. [36](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [37](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.)

Zurich’s customer portal is described for existing policyholders, with access to policy documents and endorsements, claims tracking, risk-improvement actions and contact with Zurich.

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. [38](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.)

## Coverage to Discuss

Zurich’s U.S. pages describe commercial general liability, commercial property, workers’ compensation, commercial auto, umbrella and excess, cyber, technology and professional E&O, management-liability lines, surety and Builders Risk. Separate pages also describe directors and officers, employment practices, fiduciary and crime insurance, plus ERISA fidelity bonds. Zurich’s property page explicitly lists Inland Marine coverages, including contractors’ equipment and warehouse liability. It separately describes Ocean Cargo Insurance for property in transit; this profile does not equate the broader Marine portfolio with Inland Marine. [13](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") Hired and non-owned auto appears in Zurich’s auto materials, but the reviewed source does not establish it as a standalone product. The evidence varies by line: rental-fleet auto is specifically scoped to vehicle rental businesses; the builders-risk page lists water and sewer pipelines while excluding oil and gas pipelines; Zurich’s crime page describes different covered property and transfer conditions for computer fraud and Funds Transfer Fraud. Each insurer/company, policy form, eligibility rule and state availability should be checked for the product being quoted. [2](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance") [3](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [9](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") [10](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") [29](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") [12](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") [16](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") [8](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") [13](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") [15](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") [30](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.")

For Builders Risk, Zurich’s overview and FAQ describe eligible projects up to $75 million while its Appetite section says commercial projects of any size and value. Those statements conflict on the same page; the amount is a project-value description, not a policy limit, and the current scope should be confirmed before relying on it. The appetite list specifically includes water and sewer pipeline projects and excludes oil and gas pipelines. [30](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")

For vehicle-rental fleets, Zurich lists auto liability and several physical-damage forms. The catastrophic option has a two-or-more-insured-autos condition and excludes collision, overturn and conversion; the page also excludes conversion, false pretense and trick-and-device losses from physical-damage coverage. That summary is limited to the rental-fleet program. [15](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich")

Zurich’s crime page distinguishes computer fraud, which lists money, securities or property and requires a transfer originating from business or banking premises, from Funds Transfer Fraud, which lists money or securities transferred from the insured’s transfer account following fraudulent instructions to a financial institution. Policy forms control the actual coverage. [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.")

## Claims and Servicing

Zurich lists claim-notice options through its website, customer portal and phone. It says it acknowledges a claim within 24 hours before adjuster assignment, and describes a 24/7 Customer Care Center. These are Zurich’s stated process steps, not independent measurements of response time or claim outcomes. The reviewed pages do not identify one claims administrator or escalation path for every policy.

Zurich lists web, portal and phone claim-notice routes and says it acknowledges reported claims within 24 hours before adjuster assignment; its Customer Care Center is described as available 24/7. [39](https://www.zurichna.com/claims/report-a-claim "Report a Claim") [40](https://www.zurichna.com/about/contact-us/customer-care-center "Customer Care Center") (Evidence: Company-reported; scope: Company-reported notice workflow; not measured response performance and not a promise of claim acceptance or payment. Current administrator and escalation route may vary by policy.; verified: 2026-09-29.)

The customer portal is described as a post-sale account tool. The reviewed servicing pages did not explain renewal handling, so buyers should ask who will manage renewals and policy changes on the specific account. [38](https://www.zurichna.com/digital-application-suite "My Zurich customer portal")

## Companies and Compensation

Zurich American Insurance Company operates ZurichNA.com online services. Zurich Insurance Group’s 2025 financial statements report that it owned 100% of ZAIC at December 31, 2025, while Zurich’s terms separately list multiple U.S. insurance companies. This identifies a website operator and parent relationship; it does not establish that ZAIC issues every policy sold under the Zurich U.S. brand. Check the insurer named in the quote and policy.

Zurich American Insurance Company operates ZurichNA.com online services. Zurich Insurance Group reported 100% ownership and voting rights in Zurich American Insurance Company at December 31, 2025; Zurich’s terms list multiple U.S. insurance companies. [33](https://www.zurichna.com/services/terms-of-use "Terms of Use from Zurich U.S. | Zurich Insurance") [34](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 Annual Results 2025") (Evidence: Company-reported; scope: Website operation and dated parent ownership only; ZAIC is not established as issuer for every Zurich U.S. policy. Confirm the named insurer in the quote or policy.; verified: 2026-09-29.)

Zurich says agents and brokers may receive commissions based on premium and may participate in contingent compensation programs that consider a producer’s wider Zurich book and other factors. Zurich’s published disclosure excludes independently operating program administrators. The disclosure does not show the compensation for a particular buyer’s placement.

Zurich says agents and brokers may receive premium-based commissions and contingent compensation based on a producer’s Zurich book and other factors; it excludes independently operating program administrators from the published disclosure. [41](https://www.zurichna.com/producercompensation "Zurich Producer Compensation") (Evidence: Company-reported; scope: Company disclosure updated May 2026; does not identify compensation on a particular quote or policy.; verified: 2026-09-29.)

Zurich’s 2026 history page describes a planned brand transition from Zurich North America to Zurich U.S. but gives no completion date; this profile uses Zurich U.S., the name shown on the current site, and does not treat the older name as a verified current alias. [35](https://www.zurichna.com/about/history "Zurich U.S. History")

## Before Selecting Coverage

Ask which legal insurer will issue the policy, whether the product is available for the business’s state and risk class, which limits and endorsements apply, what exclusions affect the exposure, and who handles claims and renewals. For Builders Risk and rental-fleet auto, confirm the specific pipeline type or vehicle use against the program’s stated appetite and exclusions.

## Comparisons

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- [Zurich U.S. vs StartupInsurance.ai](https://spot.insure/compare/startupinsurance-vs-zurich)
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- [Zurich U.S. vs Travelers](https://spot.insure/compare/travelers-vs-zurich)
- [Zurich U.S. vs USI Insurance Services](https://spot.insure/compare/usi-vs-zurich)
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- [Zurich U.S. vs WithCoverage](https://spot.insure/compare/withcoverage-vs-zurich)
- [Zurich U.S. vs WTW](https://spot.insure/compare/wtw-vs-zurich)

## Sources

### [Zurich U.S. Official Website](https://www.zurichna.com/)

1. [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.
2. [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.
3. [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.
4. [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.
5. [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.
6. [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.
7. [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.
8. [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.
9. [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.
10. [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.
11. [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.
12. [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.
13. [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.
14. [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.
15. [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.
16. [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.
17. [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.
18. [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.
19. [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.
20. [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.
21. [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.
22. [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.
23. [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.
24. [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.
25. [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.
26. [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.
27. [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.
28. [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.
29. [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.
30. [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.
31. [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.
32. [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.
33. [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.
34. [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.
35. [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.
36. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers) Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
37. [Contact Zurich U.S.](https://www.zurichna.com/about/contact-us) Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28.
38. [My Zurich customer portal](https://www.zurichna.com/digital-application-suite). Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28.
39. [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.
40. [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.
41. [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 2026-09-29. Spot is a product of Tools for Enlightenment 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.

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