Zurich Insurance Group in the United States: Complete Guide, Products, Prices, Locations & Coverage
| Parent Company | Zurich Insurance Group (Switzerland) |
| U.S. Headquarters | 1299 Zurich Way, Schaumburg, IL 60196 |
| Founded (Global) | 1872 |
| U.S. Operations Since | 1912 |
| Employees (Global) | 65,000+ |
| U.S. Offices | 30+ locations nationwide |
| AM Best Rating | A+ (Superior) |
| Focus | Commercial P&C, Specialty Programs, Risk Management, Vehicle Protection |
Zurich Insurance Group (operating in the U.S. as Zurich North America) is a leading global insurer with over 100 years of U.S. presence. Zurich specializes in commercial property & casualty insurance, specialty programs, risk engineering, and vehicle protection products.
This complete 2026 guide includes detailed coverage explanations, how each product works, new programs, pricing examples, and all 30+ U.S. office locations with interactive Google Maps.
Zurich North America is the U.S. arm of the Swiss-based Zurich Insurance Group. It provides customized commercial insurance, risk management, and specialty solutions to businesses of all sizes across the United States.
With an A+ (Superior) AM Best rating, Zurich is known for financial strength, innovative risk engineering, and industry-specific programs.
Founded in Switzerland in 1872, Zurich entered the U.S. market in 1912. Today it operates from its Schaumburg, Illinois headquarters and maintains a nationwide network of more than 30 offices.
In 2025–2026, Zurich reported strong growth in commercial lines, specialty insurance, and modernized trust protector policies for financial institutions.
Core Commercial Insurance
Property, General Liability, Workers’ Compensation, Commercial Auto, Cyber, Environmental, and Professional Liability.
New & Highlighted Programs 2026
- Modernized Trust Protector Policy – Updated master trust coverage for banks, wealth managers, and fiduciaries (insures trust-held real estate with simplified underwriting).
- Zurich Programs (ZPM) – Specialty program insurance for niche markets and program administrators.
- Occupational Accident Insurance for Truckers – Enhanced coverage for independent truckers (medical costs, on-the-job injuries).
- Vehicle Protection Products – Extended warranty and maintenance plans for new/used vehicles (ICE, EV, hybrid).
Prices are customized based on risk profile, location, and coverage limits. Examples (2026 estimates):
- Commercial Auto: Average $1,762 per year (varies by fleet size).
- Vehicle Protection Plans: Included in monthly vehicle payments; exact cost based on vehicle age/model.
- Specialty Programs: Contact broker for tailored quotes.
Get a free quote directly from Zurich or an authorized broker.
U.S. Headquarters
1299 Zurich Way, Schaumburg, IL 60196 – Phone: (847) 605-6000
Selected Major Offices
New York, NY (4 World Trade Center) – 150 Greenwich St, New York, NY 10007
Overland Park, KS – 7045 College Blvd, Overland Park, KS 66211
Full list of 30+ offices (California, Texas, Florida, etc.) is available on the official ZurichNA contact page.
Commercial Property & Casualty Insurance
What it covers: Physical damage to buildings and contents, business interruption, general liability for third-party claims, workers’ compensation for employee injuries, and commercial auto for fleet vehicles.
How it works: Zurich works with independent brokers to tailor policies. Risk engineers conduct on-site assessments to identify hazards, recommend improvements, and often reduce premiums. Claims are handled through dedicated U.S. teams with fast digital reporting.
Specialty & Program Insurance (ZPM)
What it covers: Niche industries including transportation, construction, retail, professional services, and environmental risks.
How it works: Program administrators partner with Zurich to create customized insurance packages. Zurich provides underwriting, policy issuance, and claims support while the program administrator handles distribution and servicing.
Vehicle Protection Products
What it covers: Mechanical breakdowns, road hazards, environmental damage, theft, technology component failure (EV batteries, ADAS systems), and more — beyond standard auto insurance and manufacturer warranties.
How it works: Protection plans are purchased at the dealership or through Zurich partners. When a covered repair is needed, the policyholder contacts Zurich or the dealer; Zurich pays the repair facility directly after verification. Plans are available for new, used, and leased vehicles (ICE, EV, hybrid).
Cyber Insurance
What it covers: Data breach response, ransomware payments, business interruption from cyber attacks, and third-party liability.
How it works: Zurich offers proactive risk assessments and 24/7 incident response teams. Coverage activates when a cyber event occurs, with experts guiding the business through notification, remediation, and recovery.
Trust Protector Policy (New 2026 Modernization)
What it covers: Trust-held real estate and assets for banks, wealth managers, and fiduciaries.
How it works: Simplified master policy structure reduces complexity and paperwork. Zurich insures the trust assets directly, providing seamless protection for fiduciary responsibilities.