INSURANCE CARRIER
Zurich Commercial Insurance
Zurich North America is a major global commercial insurer writing mid-market and large commercial property, casualty, professional, and specialty lines. Strong in technology, life sciences, and professional services.
Commercial Lines - Georgia
- 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 one of the largest commercial insurers in the United States. 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. For Olive Cover small to mid-market commercial customers, comparable carriers in this segment include The Hartford Commercial, Travelers Commercial, CNA, and Liberty Mutual Commercial.
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
Strong claims handling reputation on complex commercial losses, with dedicated industry-specialty adjusters
Limitations to Know
Where They Fall Short
Pricing typically not competitive for small business owners policy accounts under $1M revenue
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
Right Fit
Who They Are Best For
Best Fit For
Mid-market and large commercial accounts (typically $5M-plus revenue), businesses with complex multi-state or international exposure, technology and life sciences companies, healthcare organizations, and professional services firms that need specialty coverage. A coverage review can confirm whether your business fits this profile.
Not a Good Fit For
Small business owners policy accounts under $1M revenue, where The Hartford, Travelers, Hanover, CNA, and Nationwide Commercial are a stronger fit. If you run a simple single-location risk, a business owners policy from one of those carriers usually beats Zurich on price, and customers seeking competitive pricing on standard small commercial classes will find better options there.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Georgia
- Coverage Types
- Zurich's Georgia commercial lineup spans commercial property, general liability, workers compensation, commercial auto, professional liability, cyber, management liability, environmental, marine, aviation, and energy. These coverages are available through Olive Cover for accounts that match Zurich's profile.
- States Available
- 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
Mid-market and large commercial accounts ($5M-plus revenue) with multi-line bundled coverage, clean loss history, and engaged risk-management programs. 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. For smaller commercial accounts (under $1M revenue), The Hartford, Travelers, CNA, and Hanover Commercial typically offer more competitive pricing. 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 in Georgia for most commercial lines. Some specialty lines available on 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.