INSURANCE CARRIER
Zurich Commercial Insurance
Zurich North America, part of Zurich Insurance Group (founded in Switzerland 1872), is a national commercial insurer.
Commercial Lines
- File a claim 800-987-3373 · 24/7 phone (Zurich direct)
- Online Account & claims portal
- After hoursFor claims, call 800-987-3373 directly.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Zurich North America, part of Zurich Insurance Group (founded in Switzerland 1872), is a national commercial insurer. Zurich writes commercial property, general liability, workers compensation, commercial auto, professional liability, cyber, management liability, and specialty commercial lines through wholesale brokers and independent agents. Their sweet spot is mid-market to large commercial accounts, with particular strength in technology, life sciences, healthcare, professional services, manufacturing, and complex multi-location risks.
Strengths
What This Carrier Does Well
Global commercial insurer with deep appetite for mid-market and large complex risks
Specialty industry expertise in technology, life sciences, healthcare, and professional services
Complex commercial losses are handled by dedicated industry-specialty adjusters
Limitations to Know
Where They Fall Short
Distribution focus on wholesale brokers and larger independent agencies means smaller IA placements are less common
Limited appetite for non-standard or surplus lines small commercial risks
Limited appetite for non-standard or surplus lines small commercial risks
Right Fit
Who They Are Best For
Best Fit For
A coverage review can confirm whether your business fits this profile.
Not a Good Fit For
Small business owners policy accounts, and simple single-location risks that a standard business owners policy serves better than a large-account program.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines
- Coverage Types
- Zurich's commercial lineup spans commercial property, general liability, workers compensation, commercial auto, professional liability, cyber, management liability, environmental, marine, aviation, and energy.
- Carrier's Licensed States
- All 50 states plus DC
- Max Business Revenue
- Refer to carrier overview for appetite
- Industry Classes
- Refer to carrier overview for industry positioning.
Pricing & Claims
What to Expect
Best Pricing For
Zurich often wins on complex multi-location or multi-state placement.
Pricing Context
Zurich Commercial pricing is positioned for mid-market and large accounts, and the premium reflects that focus. The right fit depends on how the carrier handles underwriting for your industry and size.
Claims Experience
Zurich's commercial claims operation handles mid-market and large losses, with dedicated industry-specialty adjusters for technology, life sciences, and complex property claims. You can see how we support customers through a loss on our claims page. Admitted Status: Admitted carrier for most commercial lines; some specialty lines available on a surplus-lines basis. Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy. Verify this carrier's license with your state insurance department
Admitted Status: Admitted carrier for most commercial lines; some specialty lines available on a surplus-lines basis.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts