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.
Ratings
How This Carrier Rates
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.
Why Choose Them
What This Carrier Does Well
Top-tier 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 requiring specialty coverage.
Not a Good Fit For
Small business owners policy accounts under $1M revenue (The Hartford, Travelers, Hanover, CNA, Nationwide Commercial are stronger fit), simple single-location commercial risks, and customers seeking competitive pricing on standard small commercial classes.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Georgia
- Coverage Types
- Commercial property, general liability, workers compensation, commercial auto, professional liability, cyber, management liability, environmental, marine, aviation, energy
- 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. For smaller commercial accounts (under $1M revenue), The Hartford, Travelers, CNA, and Hanover Commercial typically offer more competitive pricing.
Claims Experience
Zurich's commercial claims operation is widely regarded as top-tier for mid-market and large losses, with dedicated industry-specialty adjusters for technology, life sciences, and complex property claims.
File a Claim
- Phone 800-987-3373
- Hours24/7 phone (Zurich direct)
- Online Claims portal
Admitted Status: Admitted in Georgia for most commercial lines. Some specialty lines available on surplus-lines basis.
Compared
How They Compare
Primary Georgia competitors at the mid-market and large commercial tier are The Hartford Commercial, Travelers Commercial, CNA, Liberty Mutual Commercial, and AIG Commercial. Zurich differentiates on industry specialty expertise and complex-risk appetite.
Quick Facts