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Zurich commercial car insurance review

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Globally experienced service for any car type, if you qualify.

finder.com’s rating: 3.5 / 5.0

★★★★★

Cover nearly any type of vehicle from a global company that’s worked with Fortune 500s. But you’ll have to get past its lackluster North America website and policy requirements first.

optional

Roadside assistance

Accident forgiveness

Details

States served All 50 states
Claims methods online, email, phone, mail, in-person
Payment schedule monthly
Cargo coverage
Non-owner coverage
Lifetime repairs guarantee

Pros

  • Experienced insurer
  • Over 250 vehicle classes insured
  • Global company

Cons

  • Confusing, inoperable website
  • Multiple requirements
  • Lack of coverage information

Expert review

Sarah George

Review by


Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Zurich covers nearly any type of vehicle you may own and has proven its experience as a Fortune 500 insurer. Also, you can get coverage for heavyweight trucks and there’s over 3,000 repair shops to keep trucks moving.

However, the company has an abundance of exclusions and policy requirements and its website lacks important coverage information.

What business auto insurance does Zurich offer?

Zurich may offer additional coverage other than the standard. However, its website doesn’t provide details about its coverage, meaning you’ll have to call for specifics or to get a quote.

Standard coverage may include:

  • Property damage liability. Protects other drivers from vehicle or property damage when your business is faulted with an accident.
  • Bodily injury liability. Ensure everyone is safe from injuries on the road, even the other driver and passengers involved.
  • Uninsured/underinsured motorist. Opt for this policy to cover you when a driver doesn’t carry the coverage your business needs.
  • Personal injury protection (PIP). Take responsibility for employee medical bills and sometimes income loss or funeral benefits.
  • Collision. Pay for vehicle repairs or replacement without taking a hit to your business.

Where can I get commercial car insurance from Zurich?

Zurich offers commercial car insurance in all US states, either through direct underwriting or its partnerships.

What features does Zurich offer for businesses?

The company includes several beneficial features that businesses can take advantage of:

  • Truck insurance. Zurich includes expanded guidelines to help trucking companies get the coverage needed.
  • Virtual risk consulting. Zurich gives you an online, industry-specific report that identifies risk areas and ways to safeguard your company.
  • 24/7 glass repairs. File glass repair claims around the clock for quick service.
  • Vehicle rental program. Zurich connects you with rentals at negotiated prices when your vehicles are in the shop.

How reliable is Zurich?

Zurich North America holds an A+ rating with the BBB with few complaints reported. However, of those filed, several customers have reported difficulty with the claims process and customer service. Keep in mind the small number of reviews and complaints for commercial car insurance.

The company also includes a Superior (A+) financial rating with AM Best for its strong balance sheet and diverse revenue sources.

Pros and cons of Zurich commercial car insurance

Pros

  • Experienced insurer. Zurich claims to work with over 90% of Fortune 500 companies as well as mid-level businesses.
  • Over 250 vehicle classes insured. No matter what type of vehicle, you can most likely get coverage.
  • Global company. Because Zurich serves multiple countries, you could stick with the same insurer for your global reach. This also attests to the company’s solid finances.
  • Heavyweight truck coverage. Zurich offers coverage for heavyweight and excess weight trucks, as well as over 3,000 repair shops to keep trucks up and running.

Cons

  • Confusing, inoperable website. When we tried navigating Zurich North America’s website, some important sections, like claims and product pages, led nowhere.
  • Multiple requirements. The company includes many qualifications and exclusions for commercial auto policies. For example, Zurich has driver age restrictions and requires at least as many CDL drivers as vehicles needing a CDL license.
  • Lack of coverage information. Zurich’s commercial car insurance page doesn’t list the coverage offered. You’ll need to call a representative for details.

How to contact Zurich

You can reach Zurich’s customer service via phone, email, standard mail or contact form:

  • Phone. Dial 800-382-2150 for the company’s Customer Inquiry Center.
  • Email. Send Zurich your questions by email to info.source@zurichna.com.
  • Online. Fill out the company’s contact form for further policy information.
  • Mailing address. Send documents to Zurich’s physical location at:

    Customer Inquiry Center
    Zurich North America
    1400 American Lane
    Schaumburg, IL 60196

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Frequently asked questions about Zurich

Car insurance ratings

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★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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