CNA vs Zurich U.S.: How Do They Compare for Business Insurance?

CNA describes commercial insurance products and services, while Zurich U.S. directs commercial buyers to agents and brokers; compare the listed products, named insurer, submission route, and service contact against your business and policy needs.

An Overview of CNA and Zurich U.S.

If you are choosing where to start a commercial insurance conversation, this pair helps separate CNA's documented role from Zurich's agent-and-broker placement route. The records describe business activities and marketed products; they do not establish that either route will quote or issue a particular policy for your company. ¹ ⁷¹ ⁷²

What Stands Out About CNA and Zurich U.S.?

CNA at a Glance

CNA directs small-business buyers to work with an agent, and its U.S. offices work with independent agents and brokers on service. ^3,⁴Company-reportedCNA’s stated U.S. small-business route and U.S. agency relationships. These sources do not establish that every CNA product requires an agent or that buyers can complete a purchase directly online.
CNA’s Claims Center lets you enter a few details online to see claim-reporting options, with phone help on weekdays. ⁷Company-reportedCNA U.S. Claims Center page accessed 2026-09-28; policy-specific reporting instructions, completion of a claim online, and claim outcomes are not established by this page.

Zurich U.S. at a Glance

Zurich U.S. serves Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction and technology. ^66,⁷¹Company-reportedCompany-reported U.S. customer positioning; examples do not establish that a specific risk is eligible.
Zurich lists web, portal and phone claim-notice routes and says it acknowledges reported claims within 24 hours. ^74,⁷⁵Company-reportedCompany-reported notice workflow; not measured response performance and not a promise of claim acceptance or payment. Current administrator and escalation route may vary by policy.

CNA vs Zurich U.S. Coverage Lines Compared

Coverage	CNA	Zurich U.S.
Builders risk	Listed ³¹Inland Marine appetite category; separately, Ocean Marine lists Hull Builders Risk	Listed ⁶⁵Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation.
Business owner’s policy	Listed ⁹	Not listed
Cargo and transit	Listed ¹⁰	Not listed
Commercial auto	Listed ¹¹	Listed ⁵⁰Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes.
Commercial property	Listed ¹²	Listed ⁴⁸Zurich markets commercial property insurance.
Crime	Listed ³⁰named Management Liability coverage and configurable Epack 3 component	Listed ⁴²Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms.
Cyber liability	Listed ¹³	Listed ⁴⁵Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
Directors and officers	Listed ¹⁴	Listed ³⁸Zurich markets directors and officers liability insurance.
Employment practices liability	Listed ¹⁵	Listed ⁴⁰Zurich markets Employment Practices Liability Insurance (EPLI).
Equipment breakdown	Listed ¹⁶	Not listed
Fidelity bonds	Listed ¹⁷	Listed ⁴³Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability.
Fiduciary liability	Listed ¹⁸	Listed ³⁸Zurich markets fiduciary liability insurance.
General liability	Listed ¹⁹	Listed ^37,³⁶Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims.
Hired and non-owned auto	Listed ²⁹coverage within Commercial Auto	Not listed
Kidnap and ransom	Listed ³⁰named Management Liability coverage and configurable Epack 3 component	Not listed
Management liability	Listed ²¹	Listed ³⁸Zurich markets a management liability portfolio with multiple distinct lines.
Media liability	Listed ²⁸component of Epack 3 package	Not listed
Medical malpractice	Listed ²²	Not listed
Product liability	Listed ^23,^25,²⁴	Not listed
Professional errors and omissions (E&O)	Listed ²⁸currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component	Listed ⁴⁴Zurich markets professional errors and omissions insurance.
Surety bonds	Listed ¹⁷	Listed ⁵¹Zurich markets construction and corporate surety bonds.
Technology errors and omissions (E&O)	Listed ¹³	Listed ⁴⁴Zurich markets technology errors and omissions insurance.
Tools, equipment and inland marine	Listed ²⁰	Listed ⁴⁸Zurich’s commercial property page separately lists Inland Marine coverages, including contractors’ equipment and warehouse liability; do not equate its broader Marine portfolio with this line.
Umbrella and excess liability	Listed ²⁶	Listed ⁴⁷Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit.
Workers’ compensation	Listed ²⁷	Listed ⁶⁴Zurich markets workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

CNA and Zurich U.S. Coverage, Line by Line

Open what CNA and Zurich U.S. each document for one coverage line.

Builders Risk Insurance
- CNA Builders Risk Insurance
- Zurich U.S. Builders Risk Insurance
Commercial Auto Insurance
- CNA Commercial Auto Insurance
- Zurich U.S. Commercial Auto Insurance
Commercial Property Insurance
- CNA Commercial Property Insurance
- Zurich U.S. Commercial Property Insurance
Crime Insurance
- CNA Crime Insurance
- Zurich U.S. Crime Insurance
Cyber Insurance
- CNA Cyber Insurance
- Zurich U.S. Cyber Insurance
D&O Insurance
- CNA D&O Insurance
- Zurich U.S. D&O Insurance
Employment Practices Liability Insurance
- CNA Employment Practices Liability Insurance
- Zurich U.S. Employment Practices Liability Insurance
Fidelity Bonds
- CNA Fidelity Bonds
- Zurich U.S. Fidelity Bonds
Fiduciary Liability Insurance
- CNA Fiduciary Liability Insurance
- Zurich U.S. Fiduciary Liability Insurance
General Liability Insurance
- CNA General Liability Insurance
- Zurich U.S. General Liability Insurance
Inland Marine Insurance
- CNA Inland Marine Insurance
- Zurich U.S. Inland Marine Insurance
Management Liability Insurance
- CNA Management Liability Insurance
- Zurich U.S. Management Liability Insurance
Professional Liability (E&O) Insurance
- CNA Professional Liability (E&O) Insurance
- Zurich U.S. Professional Liability (E&O) Insurance
Surety Bonds
- CNA Surety Bonds
- Zurich U.S. Surety Bonds
Tech E&O Insurance
- CNA Tech E&O Insurance
- Zurich U.S. Tech E&O Insurance
Umbrella and Excess Liability Insurance
- CNA Umbrella and Excess Liability Insurance
- Zurich U.S. Umbrella and Excess Liability Insurance
Workers’ Compensation Insurance
- CNA Workers’ Compensation Insurance
- Zurich U.S. Workers’ Compensation Insurance

CNA and Zurich U.S. Reliability Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

CNA Reliability Scores

Carrier

Carrier & MGA

No Reliability Score

Provider assessment

Zurich U.S. Reliability Scores

Carrier

Carrier & MGA

No Reliability Score

Provider assessment

CNA and Zurich U.S. Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

CNA Review Score

9.0/ 10

Review Score

1 rated source

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

Read CNA reviews

Zurich U.S. Review Score

–/ 10

Review Score

No reviews found

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.

Read Zurich U.S. reviews

How Do the CNA and Zurich U.S. Buying Routes Differ?

CNA's published role points to commercial insurance products and services; Zurich describes a commercial insurer group that works through agents and brokers. That distinction can guide whom you contact first: use CNA when its documented channel and service model fit your need, and ask a broker who can quote the Zurich product you want to compare. The specific producer and insurer still depend on the proposal and policy documents. ¹ ⁶⁶ ⁶⁷ ⁷¹ ⁷²

The application path affects who prepares the submission and which details your team must assemble. Compare CNA's described application route with Zurich's broker-directed route for your product, locations, and operations. Ask each contact what information is still missing and what written confirmation marks the point when coverage is bound. ³ ⁴ ⁷¹ ⁷²

What Do the CNA and Zurich U.S. Coverage Lists Show?

The current coverage lists overlap on Commercial auto, Commercial property, Cyber liability. CNA also lists Business owner’s policy and Cargo and transit among its documented lines; the table above shows the other lines in each current profile. A shared label is only a starting point: compare the proposed forms, limits, retentions, exclusions, and conditions for your specific operations. ⁹ ¹⁰ ¹¹ ¹² ¹³ ⁴⁵ ⁵⁰ ⁴⁸

How Do CNA and Zurich U.S. Differ on Application and Ongoing Service?

After a quote is prepared, compare the service each company describes with the route you will use. Ask whether your account includes portal access, who handles certificates and midterm changes, who coordinates renewal review, and where to report a claim. The published service descriptions do not establish the commitments in your own agreement. ³ ⁵ ⁷³

What Should You Ask Before Choosing Between CNA and Zurich U.S.?

Which legal insurer will issue each quoted policy, and which producer is responsible for placement?
Which forms, limits, retentions, exclusions, and state or business eligibility rules apply to the exposure you need to insure?
What application materials or follow-up does each route require, and what event confirms coverage is bound?
Who handles certificates, midterm changes, renewal review, and first notice of claim?
How are premium, taxes, fees, commissions, and any contingent compensation disclosed for this placement?

The public records explain the companies' roles and processes, but only an applicant-specific proposal and issued policy can answer those questions for your business. ³ ⁴ ⁷¹ ⁷² ⁷³ ⁷⁶

CNA vs Zurich U.S. Services Compared

What each provider documents about the services you may need

Criteria	CNA	Zurich U.S.
Business role	Loews Corporation owned approximately 92% of CNA Financial Corporation’s outstanding common stock as of December 31, 2025. ¹VerifiedCNA Financial Corporation common-stock ownership as reported for December 31, 2025 in its 2025 Form 10-K. This is not ownership of each subsidiary or policy and is not a percentage asserted beyond that date.	Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. ^66,⁶⁷Company-reportedZurich U.S. operating brand; U.S. business; company description, not legal-entity or insurer attribution for an individual policy. Zurich’s 2026 history page describes a planned transition from Zurich North America to Zurich U.S.; the reviewed page does not give a completion date. ⁷⁰Company-reportedBrand naming only. No Zurich North America alias added pending clear evidence of completion.
Application process	CNA directs small-business buyers to work with an agent. CNA also says its U.S. offices work with independent agents and brokers to provide policyholder service and insurance solutions. ^3,⁴Company-reportedCNA’s stated U.S. small-business route and U.S. agency relationships. These sources do not establish that every CNA product requires an agent or that buyers can complete a purchase directly online.	Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. ^71,⁷²Company-reportedZurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.
Servicing and renewals	CNA says CNA Central gives small-business agents access to policy documents, loss runs, and claims information. CNA’s 2022 agent guide says agents can access policy, billing, and claims information and download new-business, renewal, and endorsement documents. This describes agent access, not automatic renewal or a guaranteed renewal offer. ^3,⁵Company-reportedSmall-business agent servicing through CNA Central, based on the current U.S. small-business page and a guide copyrighted 2022. The guide’s detailed portal functions are historical interface descriptions; renewal-document access does not establish that every policy renews or will receive an offer. A CNA Small Business Service Center handout copyrighted 2021 says the center handles participating agency customers’ inquiries about certificates, policy changes, coverage, billing, and additional coverage or endorsement quotes. It states weekday hours of 7 a.m.–7 p.m. Central Time and says the agency/customer relationship remains in place. This describes a particular service-center program, not every CNA account. ⁶Company-reportedCompany-reported service-center functions from a 2021 CNA handout. The handout describes enrollment and account selection for this small-business agency program; it does not establish availability for every CNA policy or account.	Zurich describes an online portal for existing customers to view policy documents and endorsements, track claims, review risk-improvement actions and contact Zurich. The reviewed pages do not explain renewal handling. ⁷³Company-reportedCompany-described My Zurich functions for existing policyholders; renewal details were not found in these reviewed pages.

Criteria

CNA

Zurich U.S.

Business role

Loews Corporation owned approximately 92% of CNA Financial Corporation’s outstanding common stock as of December 31, 2025. ¹VerifiedCNA Financial Corporation common-stock ownership as reported for December 31, 2025 in its 2025 Form 10-K. This is not ownership of each subsidiary or policy and is not a percentage asserted beyond that date.

Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. ^66,⁶⁷Company-reportedZurich U.S. operating brand; U.S. business; company description, not legal-entity or insurer attribution for an individual policy.

Zurich’s 2026 history page describes a planned transition from Zurich North America to Zurich U.S.; the reviewed page does not give a completion date. ⁷⁰Company-reportedBrand naming only. No Zurich North America alias added pending clear evidence of completion.

Application process

CNA directs small-business buyers to work with an agent. CNA also says its U.S. offices work with independent agents and brokers to provide policyholder service and insurance solutions. ^3,⁴Company-reportedCNA’s stated U.S. small-business route and U.S. agency relationships. These sources do not establish that every CNA product requires an agent or that buyers can complete a purchase directly online.

Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. ^71,⁷²Company-reportedZurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.

Servicing and renewals

CNA says CNA Central gives small-business agents access to policy documents, loss runs, and claims information. CNA’s 2022 agent guide says agents can access policy, billing, and claims information and download new-business, renewal, and endorsement documents. This describes agent access, not automatic renewal or a guaranteed renewal offer. ^3,⁵Company-reportedSmall-business agent servicing through CNA Central, based on the current U.S. small-business page and a guide copyrighted 2022. The guide’s detailed portal functions are historical interface descriptions; renewal-document access does not establish that every policy renews or will receive an offer.

A CNA Small Business Service Center handout copyrighted 2021 says the center handles participating agency customers’ inquiries about certificates, policy changes, coverage, billing, and additional coverage or endorsement quotes. It states weekday hours of 7 a.m.–7 p.m. Central Time and says the agency/customer relationship remains in place. This describes a particular service-center program, not every CNA account. ⁶Company-reportedCompany-reported service-center functions from a 2021 CNA handout. The handout describes enrollment and account selection for this small-business agency program; it does not establish availability for every CNA policy or account.

Zurich describes an online portal for existing customers to view policy documents and endorsements, track claims, review risk-improvement actions and contact Zurich. The reviewed pages do not explain renewal handling. ⁷³Company-reportedCompany-described My Zurich functions for existing policyholders; renewal details were not found in these reviewed pages.

Sources

76 documents, numbered as cited. Open the sources

Sources for CNA vs Zurich U.S.

CNA Official Website

1
CNA Financial Corporation 2025 Form 10-K. U.S. Securities and Exchange Commission; CNA Financial Corporation filer; 2025 Form 10-K, Part I, Item 1 “Business,” opening paragraph (company status, CNA group definition, operating-company list); Note A “Basis of Presentation”; Item 1 ownership statement; exact filing text from SEC indexing and the alternate SEC-hosted annual-report PDF, accessed 2026-09-28. Accessed 2026-09-28.
2
General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
3
Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
4
United States. CNA; United States page, introductory paragraph, line 35. Accessed 2026-09-28.
5
Small Business | CNA Central Agent Guide. CNA; CNA Central Agent Guide, pages 1-2; access credential note and agent portal context, page 1 lines 3-8; Get a Quote, lines 12-22; Service My Accounts, lines 39-66; copyright/trademark footer, page 2 lines 68-71 (Copyright © 2022). Accessed 2026-09-28.
6
Small Business Service Center. CNA; One-page Small Business Service Center handout, lines 0-27 (service functions, weekday hours, continuing agency relationship, enrollment/account selection); lines 40-43 (legal/distribution limitations, trademark, copyright © 2021). Accessed 2026-09-28.
7
Report an Insurance Claim. CNA; Report a Claim and Need more Help, lines 21-33. Accessed 2026-09-28.
8
United States | CNA Insurance. CNA; Official U.S. Locations page title, observed on page open; page body begins at lines 21-35. Accessed 2026-09-28.
9
CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
10
Ocean Cargo | CNA. CNA; pp. 1–2: transit scope, extensions, agent/insured portal and cargo claims specialists. Accessed 2026-09-28.
11
Commercial Auto Insurance for Businesses | CNA Insurance. CNA; Coverages, endorsements, risk control, claims. Accessed 2026-09-28.
12
Commercial Property Insurance | CNA Insurance. CNA; Product by customer size; placements and capacity. Accessed 2026-09-28.
13
Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; Cyber, Media, Technology & Professional Liability; product sections. Accessed 2026-09-28.
14
Private Company Directors & Officers Liability | CNA. CNA; pp. 1–2: covered claims, Side A/B/C, limits, eligibility and claims. Accessed 2026-09-28.
15
Employment Practices Liability | CNA. CNA; pp. 1–3: wrongful practices, third-party acts, insured classes, risk services and claims. Accessed 2026-09-28.
16
Equipment Breakdown Insurance | CNA Insurance. CNA; Coverage, inspection, monoline and package placement. Accessed 2026-09-28.
17
CNA Surety - Surety and Fidelity Bonds | CNA Insurance. CNA; Surety/fidelity product sections, geography, agents/brokers, bONdLINE and claims services. Accessed 2026-09-28.
18
Fiduciary Liability | CNA. CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28.
19
Commercial General Liability Insurance | CNA Insurance. CNA; Commercial General Liability; customer sizes, coverage, teams. Accessed 2026-09-28.
20
Inland & Ocean Marine Insurance | CNA Insurance. CNA; Inland Marine and Ocean Marine coverage sections. Accessed 2026-09-28.
21
Management Liability Insurance and Professional Liability | CNA Insurance. CNA; Management liability overview, coverages, Epack 3. Accessed 2026-09-28.
22
Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA. CNA; pp. 4–5, 7–8: healthcare classes, PL/GL options, claims and risk-control capabilities. Accessed 2026-09-28.
23
Life Sciences Insurance | CNA. CNA; Life Sciences: products, target classes, claims and risk control. Accessed 2026-09-28.
24
Small Business Life Sciences Insurance | CNA. CNA; Coverage and appetite: products liability, limits, optional features and target classes. Accessed 2026-09-28.
25
Life Sciences Coverage Highlights FAQ | CNA. CNA; pp. 1–3: work-hazard products liability, separate/combined form, recall benefit, reporting, availability and exclusions. Accessed 2026-09-28.
26
Umbrella Insurance and Excess Liability Insurance | CNA Insurance. CNA; Forms, enhancements, underwriting. Accessed 2026-09-28.
27
Workers’ Compensation Insurance | CNA Insurance. CNA; Benefits, prevention, claims. Accessed 2026-09-28.
28
Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 48-52 Epack 3 modular policy combines cyber, media, technology and professional liability; lines 64-84 MPL and media; line 128 CNA brand disclosure and ©2026. Accessed 2026-09-29.
29
Commercial Auto Insurance for Businesses | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 28-30 and coverages lines 31-34; commercial auto covers business-use owned, hired and non-owned vehicles; ©2026 at line 61. Accessed 2026-09-29.
30
Management Liability Insurance and Professional Liability | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 33-44 name crime and kidnap/ransom/extortion; lines 49-54 describe modular Epack 3 and flexible coverage mix; ©2026 at line 80. Accessed 2026-09-29.
31
Inland & Ocean Marine Insurance | CNA Insurance. CNA; U.S. page, opened 2026-09-29: lines 29-35 describe Inland Marine and Builders Risk appetite; lines 46-54 separately list Ocean Marine and Hull Builders Risk; ©2026 at line 84. Accessed 2026-09-29.
32
Small Business Insurance Solutions for Life Sciences | CNA Insurance. CNA; U.S. page, opened 2026-09-29: page issue marker 06.17.2025 at line 75; line 63-65 describes monoline product liability with E&O and automatic Class 1 recall mitigation-expense benefit; line 74 says issuer, availability and policy-terms qualifications; ©2026 line 101. Accessed 2026-09-29.
33
Life Sciences Coverage FAQs. CNA; PDF opened 2026-09-29: p.1 lines 10-18 Class 1 recall supplementary benefit and sublimit; p.1 lines 31-34 circumstance-reporting exception; p.2 lines 104-109 says illustrative, policy controls, availability varies and copyright ©2023 / 20230314. Historical detailed qualification, not a current form. Accessed 2026-09-29.
34
Manufacturer Insurance: Best Companies, Costs and Coverages. NerdWallet; Published 2026-03-26; CNA section, lines 348-359: manufacturer-specific editorial assessment says relatively low property/liability complaints and workers-comp complaints slightly higher than expected for company size; no full CNA review. Re-read 2026-09-29. Accessed 2026-09-29.
35
CNA Insurance Reviews. Trustpilot; CNA.com profile, lines 40-72 and current review entries including business billing complaint (lines 59-63) and long-term-care reports (lines 66-70); profile says reviews are individual opinions at line 177. Self-selected mixed review population, not a representative commercial-insurance outcome. Re-read 2026-09-29. Accessed 2026-09-29.

Zurich U.S. Official Website

36
Business insurance for public & private companies | Zurich. Zurich U.S.; Zurich U.S. commercial coverage catalogue; line navigation and product links. Accessed 2026-09-28.
37
Commercial Casualty Insurance | Zurich Insurance. Zurich U.S.; Insurance solutions for commercial casualty / Domestic Casualty Solutions; explicitly lists Zurich General Liability, Workers’ Compensation, Commercial Auto and Excess Liability. Accessed 2026-09-28.
38
Management Liability Insurance | Zurich U.S. Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
39
Directors and Officers Liability Insurance (D&O) | Zurich U.S. Zurich U.S.; D&O coverage, target companies, claims team. Accessed 2026-09-28.
40
Employment Practices Liability Insurance (EPLI) | Zurich U.S. Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28.
41
Fiduciary Liability Insurance | Zurich U.S. Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
42
Commercial Crime & Fidelity Insurance Coverage | Zurich U.S. Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.
43
ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28.
44
Errors and Omissions Insurance – E&O | Zurich Insurance. Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28.
45
Cyber Security Insurance and Coverage | Zurich Insurance. Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
46
Zurich Cyber Insurance Policy. Zurich U.S.; Large/global cyber policy coverage and claims/response resources. Accessed 2026-09-28.
47
Commercial Umbrella Insurance Coverage | Zurich Insurance. Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
48
Commercial Property Insurance: Building & Business | Zurich. Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28.
49
Insurance for Construction Companies | Zurich Insurance. Zurich U.S.; Builders risk offering; construction customers; construction coverages and risk services. Accessed 2026-09-28.
50
Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich. Zurich U.S.; Commercial rental fleets, auto liability and physical damage, application and claims. Accessed 2026-09-28.
51
Surety Bond Company: Construction & Corporate | Zurich. Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28.
52
2025 U.S. Small Commercial Insurance Study. J.D. Power; Indexed 2025 ranking PDF URL returned 404 when opened; score table not verified. Accessed 2026-09-28.
53
2025 U.S. Small Commercial Insurance Study - JD Power. J.D. Power; 2025 study methodology, sample size and field dates. Accessed 2026-09-28.
54
U.S. Small Commercial Insurance Study - JD Power. J.D. Power; 2025 and 2026 profiled target brands and publication dates. Accessed 2026-09-28.
55
Best Insurance Companies for Car Rental Businesses - NerdWallet. NerdWallet; Zurich 4.5/5 business editorial rating; commercial auto rental fleets; complaint analysis. Accessed 2026-09-28.
56
Zurich Insurance Reviews | Trustpilot. Trustpilot; Global Zurich Insurance profile, TrustScore and review count. Accessed 2026-09-28.
57
Zurich Property & Casualty Insurance Reviews from Real Customers | ConsumerAffairs. ConsumerAffairs; Zurich P&C profile rating/review count and mixed reviewer topics. Accessed 2026-09-28.
58
Zurich American Insurance Company | BBB Business Profile. BBB; Business grade, accreditation, Zurich NA description and line list. Accessed 2026-09-28.
59
Zurich American Insurance Company | BBB Reviews | Better Business Bureau. BBB; Customer Review Ratings and review count. Accessed 2026-09-28.
60
NAIC Consumer Insurance Search. NAIC; Company/state/line consumer complaint lookup; interactive result did not render. Accessed 2026-09-28.
61
List of financial strength and issuer credit ratings | Zurich Insurance. Zurich Insurance Group; Current ratings for Zurich American Insurance Company. Accessed 2026-09-28.
62
AM Best Affirms Credit Ratings of Zurich Insurance Group Ltd and Its Main Rated Subsidiaries. AM Best; September 4, 2026 affirmations for Zurich American Insurance Company. Accessed 2026-09-28.
63
ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; Product-page underwriting jurisdiction caveat; individual North American insurance entities. Accessed 2026-09-28.
64
Workers’ Compensation Insurance | Zurich Insurance. Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28.
65
Commercial Builders Risk Program | Zurich Insurance. Zurich U.S.; Builders Risk - Commercial; direct product overview and FAQ: coverage, appetite, ineligible projects, options, limits, application, geography, admission and program highlights (HTML lines 270–411). Accessed 2026-09-28.
66
About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
67
About Zurich U.S. | Zurich U.S. Insurance. Zurich U.S.; Opening paragraphs; relationship to Zurich Insurance Group. Accessed 2026-09-28.
68
Terms of Use from Zurich U.S. | Zurich Insurance. Zurich American Insurance Company / Zurich U.S.; §1 site operator; §5 reproduction rights; §16 Zurich American Insurance Company, NAIC 16535, and provider-published all-state/listed-territory licensing disclosure; §17 member-company list. Accessed 2026-09-29.
69
Zurich Insurance Group Annual Results 2025. Zurich Insurance Group Ltd; Note 27, Table 27.1, printed p.126: voting rights and ownership interest at 2025-12-31. Accessed 2026-09-28.
70
Zurich U.S. History. Zurich U.S.; 2026 history page, planned transition wording; completion date not stated. Accessed 2026-09-28.
71
Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
72
Contact Zurich U.S. Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28.
73
My Zurich customer portal. Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28.
74
Report a Claim. Zurich U.S.; Claim notice methods and stated acknowledgment workflow. Accessed 2026-09-28.
75
Customer Care Center. Zurich U.S.; Published customer-care hours and contact. Accessed 2026-09-28.
76
Zurich Producer Compensation. Zurich U.S. (company-reported); Disclosure updated May 2026: base/contingent arrangements and independently operating program administrator exclusion. Accessed 2026-09-28.

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An Overview of CNA and Zurich U.S.

What Stands Out About CNA and Zurich U.S.?

CNA at a Glance

Zurich U.S. at a Glance

CNA vs Zurich U.S. Coverage Lines Compared

CNA and Zurich U.S. Coverage, Line by Line

Builders Risk Insurance

Commercial Auto Insurance

Commercial Property Insurance

Crime Insurance

Cyber Insurance

D&O Insurance

Employment Practices Liability Insurance

Fidelity Bonds

Fiduciary Liability Insurance

General Liability Insurance

Inland Marine Insurance

Management Liability Insurance

Professional Liability (E&O) Insurance

Surety Bonds

Tech E&O Insurance

Umbrella and Excess Liability Insurance

Workers’ Compensation Insurance

CNA and Zurich U.S. Reliability Scores

CNA Reliability Scores

Zurich U.S. Reliability Scores

CNA and Zurich U.S. Review Scores for 2026

CNA Review Score

Zurich U.S. Review Score

How Do the CNA and Zurich U.S. Buying Routes Differ?

What Do the CNA and Zurich U.S. Coverage Lists Show?

How Do CNA and Zurich U.S. Differ on Application and Ongoing Service?

What Should You Ask Before Choosing Between CNA and Zurich U.S.?

CNA vs Zurich U.S. Services Compared

Provider Profiles for CNA and Zurich U.S.

CNA Small Business Insurance: Products, Agents and Service

Zurich U.S. Business Insurance: Products, Access, and Claims

Sources for CNA vs Zurich U.S.

CNA Official Website

Zurich U.S. Official Website

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