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Our Summary

This Zurich Insurance review looks at coverage options, regions served, and the company’s reputation. Zurich offers insurance and risk management solutions in more than 210 countries. This makes Zurich a leader not just in providing insurance to companies, but also in reducing the risk that any company might face by implementing the strategies that Zurich proposes.     

Company Overview

Zurich Insurance Group Ltd. is a Swiss insurance carrier founded in 1872 with headquarters in Zurich, Switzerland. It sits on Forbes’ Global 2000s list, landing at 112 of the world’s largest public companies. It offers a wide range of commercial insurance products and is capable of insuring companies both big and small. 

Geographic Representation

Zurich has two North American offices; one is in Chicago and the other in New York. It is licensed to write business in all 50 states and the District of Columbia. 

Lines of Coverage

Zurich offers businesses insurance products to meet the needs of different types of risks. These policies can be tailored with coverage to suit the business’ specific risk tolerance. 

The types of commercial insurance policies listed with Zurich Insurance include: 

  • Commercial Casualty: Pays third-party claims where property loss or injuries happen from accidents. 

  • Commercial Property: Pays to replace business property that includes furniture, inventory, equipment, and supplies.   

  • Workers’ Compensation: Pays lost wages and medical bills of employees hurt while on the job.  

  • Commercial Fleet: Commercial auto coverage protects vehicles and owners from liabilities and accidents.  

  • Umbrella: Added liability protection that increases coverage on other underlying policies such as commercial casualty and fleet coverage. 

  • Cyber: Coverage against computer-related crimes and losses from things such as data breaches, malware, and ransomware.   

Top Industries Served

Zurich has a wide appetite of businesses and industries that it serves. With a foothold in more than 210 countries, Zurich has seen almost every type of loss possible and approaches North American businesses with over 150 years of experience. Some industries Zurich covers includes office professionals, retail, agriculture, and restaurants. 

Premium Costs

There are no advertised rates from Zurich; each policy is uniquely underwritten. Your premium price will depend on several factors that Zurich notes, including: 

  • Location and whether it is owned or leased

  • Number of employees

  • Years in business

  • Industry

  • Annual revenues

  • Coverage needed

Your claims history will also affect your rate. Companies with favorable claims history pay less than those with many claims.  

Underwriting Process

Zurich sells its insurance products through the licensed members of the Zurich Insurance Group. The agent will gather the required information and then provide you with a quote. Expect to spend 30 to 45 minutes with an agent to get a quote.  

AM Best Ratings

Zurich is known for its financial strength. Its AM Best rating is evidence to this. Zurich receives an A+ from AM Best, the highest rating possible. This means that AM Best has reviewed Zurich’s financial statements and believes the company is stable and can handle even catastrophic claims. 

Complaint Index

The National Association of Insurance Commissioners (NAIC) maintains a complaint index. The index scores each carrier based on the number of complaints based on the size of the carrier. The national average ratio is 1.0, with scores below 1.0 representing companies that have fewer than expected complaints. Zurich has eight complaints in 2021, leading to a very high complaint ratio of 38.95. 


We looked at actual customer reviews to better understand what people like and dislike about working with Zurich. On Trustpilot, there are 95 reviews with a 1.5-star rating. Complaints revolve around claims issues. On the Better Business Bureau (BBB) website, Zurich is listed as an accredited business with an A+ rating. The BBB notes 46 complaints closed in the past 12 months that include problems with servicing and cancellations. 

Concluding Thoughts

It’s hard to ignore Zurich’s history and overall strength as an insurance carrier. The company positions itself as more than just a provider of insurance, offering risk mitigation strategies to companies. Its international presence makes it an ideal insurance carrier for companies working on a global stage. 

Methodology employs its own independent research to come up with the details for reviews. We do this so that you can have as many insights as possible about a company so that you can make the best decision for your commercial insurance. We take into consideration the company’s history and where they serve. We want to highlight the appetite that a company has as this suggests where business owners can get the most competitive rates. Where possible, we include premium data. From there, we take into account formal complaints, and financial strength ratings along with public reviews painting a broad picture of the company’s reputation.

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The service has been great, very efficient, easy to talk to, and they explained everything. I recommend them.
Five Star Rating
Wendy R
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Very helpful and their customer service is top notch! Very pleased with their service.
Five Star Rating
Charla Weatherford
Hands of Hope Adult Homecare, LLC
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Perfect, Fast, and outstanding service!!!
Five Star Rating
Sammi Thomas