--- title: "Zurich U.S. Reliability Evidence" description: "A sourced review of Zurich U.S. entity disclosures, insurer information, claims and conduct evidence. No numerical Spot Score is assigned." canonical: "https://spot.insure/insurance-providers/zurich/reliability" page-type: "reliability-article" updated-at: "2026-09-29" --- 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/insurance-providers/zurich/reliability) # Zurich U.S. Reliability Evidence A sourced review of Zurich U.S. entity disclosures, insurer information, claims and conduct evidence. No numerical Spot Score is assigned. ## Assessment - **Role:** Insurance carrier - **Scope:** Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned. **Assessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.** No numerical Spot Score is assigned. The cited material has mixed entity, group, state, product, and time scopes and does not support a comparable current issuer-level assessment across the rubric. This record preserves those distinctions and unknowns; it does not infer a positive or negative score. - **Carrier & MGA Spot Score:** **Not Rated** - **Subject:** Assessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned. - **Role:** Insurance carrier - **Scope:** Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned. - **Assessed:** 2026-09-29 - **Review due:** 2026-10-29 - **Factor basis:** No current numerical score. Excluded: Identity and Authority; Financial Resilience; Claims and Servicing; Carrier-Network Strength; Regulatory Conduct; Disclosure Clarity. - **Methodology:** [How we calculate the Spot Score](/spot-rating) - **Provider profile:** [Zurich U.S.](/insurance-providers/zurich) ## Research summary ### Entity and market role Zurich U.S. describes a commercial property-casualty and specialty business. Its terms name ZAIC as online-services operator and list multiple U.S. insurers. The Group’s 2025 statements report 100% ownership/voting rights in ZAIC at year end. This does not attribute every branded policy to ZAIC. [Terms of Use from Zurich U.S.](https://www.zurichna.com/services/terms-of-use), [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) ### Provider-published license disclosure Zurich terms §16 identifies Zurich American Insurance Company (NAIC 16535) and states that the company is licensed in all U.S. states, plus the listed District of Columbia, Puerto Rico, U.S. Virgin Islands, Guam and Northern Mariana Islands. This is a provider-published disclosure and is not represented as independently verified. NAIC 16535 is the company identifier shown in the terms, not a state-specific license number. The passage provides no state-by-state license types or license identifiers, so none are inferred. [Terms of Use from Zurich U.S.](https://www.zurichna.com/services/terms-of-use) ### Financial-strength evidence AM Best’s September 4, 2026 release names Zurich American Insurance Company among subsidiaries with affirmed A+ financial-strength and aa issuer-credit ratings with stable outlook. The release’s stated rationale concerns Zurich Group financial strength and performance; it is not a standalone ZAIC capital assessment. [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), [List of financial strength and issuer credit ratings](https://www.zurich.com/investor-relations/ratings) ### Claims, complaints and customer feedback Zurich describes claim-notice channels and acknowledgment within 24 hours before adjuster assignment; that is a company-reported workflow, not measured service performance. A March 2022 NYDFS consent order names six Zurich insurers, including ZAIC, in a collective $2.2 million penalty relating to vehicle-reporting practices investigated for 2018. The order does not allocate the penalty to ZAIC alone. California DOI complaint tables contain several outcome categories and alleged-violation counts for 2023–2025; these are state-specific, all-line records and do not adjudicate every complaint or establish a national comparison. [Report a Claim](https://www.zurichna.com/claims/report-a-claim), [Zurich North America Consent Order](https://www.dfs.ny.gov/industry_guidance/enforcement_discipline/ea20220308_co_zurich_na), [California Department of Insurance Complaint Study](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyPerformance&eid=100507&event=companyComplaintEvent) ### Producer compensation Zurich says producer compensation may include premium-based and contingent arrangements, and excludes independently operating program administrators from the disclosure. A specific intermediary’s compensation is not established. [Producer Compensation Disclosure](https://www.zurichna.com/producercompensation) ## Licenses and authority No license records are included in this assessment. ## Jurisdiction searches | Jurisdiction | Result | Notes | Sources | | --- | --- | --- | --- | | All U.S. states and listed territories: District of Columbia, Puerto Rico, U.S. Virgin Islands, Guam, Northern Mariana Islands | company-reported | Zurich terms §16 identifies Zurich American Insurance Company as NAIC 16535 and publishes an all-state licensing statement plus the named District of Columbia, Puerto Rico, U.S. Virgin Islands, Guam and Northern Mariana Islands. NAIC 16535 is not a state-specific license number. The disclosure gives no license type or jurisdiction-specific license identifier. | [Terms of Use from Zurich U.S.](https://www.zurichna.com/services/terms-of-use) | ## Rating dimensions ### Carrier & MGA Spot Score No numerical factor breakdown is published for the Carrier & MGA Spot Score. ## Evidence gaps - No Spot reliability score has been assigned; no model judgment is requested or implied. - No provider-published state-by-state license identifier or license-type schedule was located in the cited terms disclosure; treat those fields as unknown. - No standalone review of each Zurich insurer’s capital, current statutory filing, claim administrator by product, or national line-specific complaint experience is established here. - NYDFS conduct evidence is collective and historical; penalty allocation to ZAIC is not stated. California complaint and alleged-violation data have state and all-line scope. - AM Best rationale is group-level, not standalone ZAIC capital analysis. - No numerical Spot Score, factor rating, consumer average, or comparative reliability ranking is proposed. ## Related terms No published related terms are recorded. ## Sources - [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; 2026-09-04 release: group rationale/rating action (lines 35–43), named subsidiaries including ZAIC (lines 43–58); accessed 2026-09-28. - [List of financial strength and issuer credit ratings](https://www.zurich.com/investor-relations/ratings) — Zurich Insurance Group; Zurich Insurance Group rating table: Zurich American Insurance Company entry; date/grades as displayed; accessed 2026-09-28. - [Producer Compensation Disclosure](https://www.zurichna.com/producercompensation) — Zurich U.S.; May 2026 disclosure: Base Compensation, Contingent Compensation Formula, policy-specific information and program administrator exclusion; accessed 2026-09-28. - [Zurich North America Consent Order](https://www.dfs.ny.gov/industry_guidance/enforcement_discipline/ea20220308_co_zurich_na) — New York Department of Financial Services; Consent order dated 2022-03-15; pp. 1–4: six insurers, 2018 investigation, findings, collective penalty and remediation; accessed 2026-09-28. - [California Department of Insurance Complaint Study](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyPerformance&eid=100507&event=companyComplaintEvent) — California Department of Insurance; Zurich American Insurance Company profile 100507; company performance table and violation study through 2025; accessed 2026-09-28. - [Terms of Use from Zurich U.S.](https://www.zurichna.com/services/terms-of-use) — Zurich U.S. (company-reported); §16: Zurich American Insurance Company (NAIC 16535) and provider-published all-state/listed-territory licensing disclosure; no per-state license type or identifier listed; accessed 2026-09-29. - [Report a Claim](https://www.zurichna.com/claims/report-a-claim) — Zurich U.S. (company-reported); Claims process: Notification and Assignment; company-reported acknowledgement before adjuster assignment; accessed 2026-09-28. - [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: Zurich American Insurance Company ownership interest and voting rights at 2025-12-31.; accessed 2026-09-28. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/zurich/reliability.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)