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

Nationwide describes an insurer or policy-issuing route, 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 Nationwide and Zurich U.S.

If you are choosing where to start a commercial insurance conversation, this pair helps separate Nationwide'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 ² ¹⁷ ⁵⁵ ⁵⁶

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

Nationwide at a Glance

Nationwide has separate commercial routes for small businesses, midsize and large businesses with complex risks, E&S and specialty customers, and agribusiness. ^1,²Company-reportedPublic U.S. commercial segment descriptions; product and state eligibility remain quote-specific.
Small-business buyers can start a quote online, then call or work with an agent to purchase. ^1,³Company-reportedOfficial small-commercial and BOP pages; no application was submitted or purchase flow completed.

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. ^50,⁵⁵Company-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. ^58,⁵⁹Company-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.

Nationwide vs Zurich U.S. Coverage Lines Compared

Coverage	Nationwide	Zurich U.S.
Builders risk	Listed ⁵Nationwide lists builders risk among inland-marine products. The page does not establish project-specific coverage periods, valuation, or exclusions.	Listed ⁴⁹Zurich 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 ^3,¹Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms.	Not listed
Cargo and transit	Listed ⁵Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance.	Not listed
Commercial auto	Listed ^1,²Nationwide lists commercial auto in its small-business product catalogue. We couldn’t review the dedicated product page, so no vehicle, driver, or state terms are inferred.	Listed ³⁴Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes.
Commercial property	Listed ^6,¹⁴Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy.	Listed ³²Zurich markets commercial property insurance.
Crime	Listed ^10,¹²Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here.	Listed ²⁶Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms.
Cyber liability	Listed ^8,¹Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage.	Listed ²⁹Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
Directors and officers	Listed ^13,¹²Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk.	Listed ²²Zurich markets directors and officers liability insurance.
Employment practices liability	Listed ^7,¹²Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility.	Listed ²⁴Zurich markets Employment Practices Liability Insurance (EPLI).
Equipment breakdown	Listed ^3,¹⁴Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms.	Not listed
Fidelity bonds	Not listed	Listed ²⁷Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability.
Fiduciary liability	Listed ¹²Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific.	Listed ²²Zurich markets fiduciary liability insurance.
General liability	Listed ^14,³Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope.	Listed ^21,²⁰Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims.
Management liability	Listed ^12,¹³Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred.	Listed ²²Zurich markets a management liability portfolio with multiple distinct lines.
Professional errors and omissions (E&O)	Listed ^11,²Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance.	Listed ²⁸Zurich markets professional errors and omissions insurance.
Surety bonds	Listed ^9,¹Nationwide markets commercial surety bonds. A bond is a contractual guarantee and is not interchangeable with an insurance policy.	Listed ³⁵Zurich markets construction and corporate surety bonds.
Technology errors and omissions (E&O)	Not listed	Listed ²⁸Zurich markets technology errors and omissions insurance.
Tools, equipment and inland marine	Listed ^5,²Nationwide markets inland-marine products including contractor equipment and installation floaters; product availability and covered property vary.	Listed ³²Zurich’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 ^1,²Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form.	Listed ³¹Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit.
Workers’ compensation	Listed ^4,¹Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern.	Listed ⁴⁸Zurich 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.

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

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

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

Nationwide 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.

Nationwide Reliability Scores

Carrier

Carrier & MGA

No Reliability Score

Provider assessment

Zurich U.S. Reliability Scores

Carrier

Carrier & MGA

No Reliability Score

Provider assessment

Nationwide 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.

Nationwide Review Score

7.8/ 10

Review Score

4 rated sources

Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.

Read Nationwide 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 Nationwide and Zurich U.S. Buying Routes Differ?

Nationwide's published role points to an insurer or policy-issuing route; Zurich describes a commercial insurer group that works through agents and brokers. That distinction can guide whom you contact first: use Nationwide 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 ² ¹⁷ ⁵⁰ ⁵¹ ⁵⁵ ⁵⁶

The application path affects who prepares the submission and which details your team must assemble. Compare Nationwide'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. ¹ ³ ⁵⁵ ⁵⁶

Use both companies' published customer descriptions as routing clues. Check whether your industry's operations, company size, locations, and contract requirements match the audience described in each quote conversation; a stated focus does not establish that an insurer will accept your risk. ¹ ² ⁵⁰ ⁵⁵

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

The current coverage lists overlap on Builders risk, Commercial auto, Commercial property. Nationwide also lists Business owner’s policy and Cargo and transit among its documented lines; Zurich's list also names Technology errors and omissions (E&O) and Fidelity bonds. A shared label is only a starting point: compare the proposed forms, limits, retentions, exclusions, and conditions for your specific operations. ⁵ ³ ¹ ⁶ ²⁸ ³⁴ ³² ⁴⁹ ²⁷

How Do Nationwide and Zurich U.S. Differ on Application and 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. ¹⁵ ⁵⁷

What Should You Ask Before Choosing Nationwide or 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. ¹ ³ ⁵⁵ ⁵⁶ ⁵⁷ ⁶⁰

Nationwide vs Zurich U.S. Services Compared

What each provider documents about the services you may need

Criteria	Nationwide	Zurich U.S.
Business role	Nationwide markets commercial insurance through small-business, agribusiness, middle-market and specialty channels. Its general P&C disclosure names Nationwide Mutual Insurance Company and affiliated companies as underwriting companies; the reviewed materials do not map each commercial product to its legal issuer. ^1,^2,¹⁷Company-reportedNationwide-branded U.S. commercial insurance; issuer and availability vary by product/company/state.	Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. ^50,⁵¹Company-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. ⁵⁴Company-reportedBrand naming only. No Zurich North America alias added pending clear evidence of completion.
Customer focus	Nationwide presents separate commercial routes for small businesses, midsize and large businesses with complex risks, E&S/specialty customers, and agribusiness operators. These are published segments, not a promise of product eligibility. ^1,²Company-reportedPublic U.S. commercial segment descriptions; product and state eligibility remain quote-specific.	Zurich U.S. describes serving Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction, manufacturing and technology. ^50,⁵⁵Company-reportedCompany-reported U.S. customer positioning; examples do not establish that a specific risk is eligible.
Application process	Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. ^1,³Company-reportedOfficial small-commercial and BOP pages; no application was submitted or purchase flow completed.	Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. ^55,⁵⁶Company-reportedZurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.
Servicing and renewals	Nationwide describes a 24/7 online business account for policy management, claims filing/tracking, documents and billing; if a certificate is not in the account, it directs customers to request one online or contact an agent. ¹⁵Company-reportedCompany-described account features; access depends on policy/account and does not measure service quality. The commercial overview, small-business catalogue and business account pages reviewed here do not establish renewal notice timing, who initiates renewal discussions or how a renewal transaction is completed. These steps remain unverified; this is not evidence that renewal service is absent. ^18,^1,¹⁵Not found in reviewed sourcesOnly named public pages reviewed 2026-09-29, not policy documents or every account workflow. NerdWallet reports fewer general-liability complaints than expected for 2022–2024. Its discussion describes commercial-property complaints as slightly above expectations, while its methodology calls them about expected; that discrepancy remains unresolved. ¹⁹VerifiedNerdWallet’s commercial business-insurance editorial analysis only. This is an attributed product-line complaint comparison, not direct NAIC verification, a claim-outcome finding, or evidence about any identified underwriting company. Do not combine this measure with consumer review averages or treat the unresolved commercial-property discrepancy as a single settled result.	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. ⁵⁷Company-reportedCompany-described My Zurich functions for existing policyholders; renewal details were not found in these reviewed pages.

Sources

60 documents, numbered as cited. Open the sources

Sources for Nationwide vs Zurich U.S.

Nationwide Official Website

1
Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
2
Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
3
Business Owners Policy (BOP Insurance). Nationwide; BOP audience/employee/sales criteria and coverages, lines 181–225; additional coverage options lines 244–277; policy/availability qualification line 326. Accessed 2026-09-29.
4
Workers’ Compensation Insurance. Nationwide; Workers’ compensation benefits, state variability, claims/risk-management services and eligibility discussion, lines 216–259. Accessed 2026-09-29.
5
Insurance for Inland Marine. Nationwide; Inland marine and Builder’s Risk products lines 184–225; contractor equipment, installation floater, riggers liability, motor truck cargo and warehouse legal liability lines 258–318. Accessed 2026-09-29.
6
Commercial Property Insurance. Nationwide; Business buildings, contents, equipment and fixtures; policy customization and agent quote route. Accessed 2026-09-29.
7
Employment Practices Liability Insurance. Nationwide; Dedicated EPLI product page; product identity and company-described policy scope. Accessed 2026-09-29.
8
Cyber Liability & Data Breach Insurance. Nationwide; Dedicated commercial cyber/data-breach product page; company-described product scope. Accessed 2026-09-29.
9
Commercial Surety Bonds. Nationwide; Dedicated commercial surety product page and bond purpose. Accessed 2026-09-29.
10
Commercial Crime Insurance. Nationwide; Dedicated commercial crime page and covered crime examples. Accessed 2026-09-29.
11
Errors and Omissions Insurance. Nationwide; Professional E&O product page; professional-service errors and financial-loss description. Does not establish technology-specific E&O terms. Accessed 2026-09-29.
12
Commercial Liability Products. Nationwide Management Liability & Specialty; Distinct D&O, fiduciary liability, crime and EPLI products; audience and claims-reporting description. Accessed 2026-09-29.
13
Directors and Officers Liability. Nationwide Management Liability & Specialty; D&O primary scope of coverage, selected features and claims reporting. Accessed 2026-09-29.
14
Commercial Office Space Insurance. Nationwide; Professional-office BOP, commercial property, GL, business income and equipment breakdown; E&O, auto, EPLI and management-liability options. Accessed 2026-09-29.
15
Business Insurance Member Resources. Nationwide; Online business account, 24/7 self-service, claims filing/tracking, documents, bills and certificate-of-insurance help. Accessed 2026-09-29.
16
Business Insurance Claims FAQ. Nationwide; Commercial claims intake and assigned claims professional; same-day contact is described as an aim, not a guarantee. Accessed 2026-09-29.
17
Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
18
Nationwide Commercial Insurance. Nationwide; Commercial audiences and general commercial route; cited only alongside directly inspected linked product pages. Accessed 2026-09-29.
19
Nationwide Business Insurance Review 2026 — commercial complaint analysis. NerdWallet; Same inspected NerdWallet commercial review as nerdwallet-review; updated June 3, 2026. Findings and contrary evidence, lines 332–372: lower-than-expected general-liability complaints and commercial-property described slightly above expectations. Methodology, lines 495–508: commercial-property complaints characterized as about expected. Rating display, lines 226–323: 4.5 page header and 4.0 Nationwide card. Accessed 2026-09-29.

Zurich U.S. Official Website

20
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.
21
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.
22
Management Liability Insurance | Zurich U.S. Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
23
Directors and Officers Liability Insurance (D&O) | Zurich U.S. Zurich U.S.; D&O coverage, target companies, claims team. Accessed 2026-09-28.
24
Employment Practices Liability Insurance (EPLI) | Zurich U.S. Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28.
25
Fiduciary Liability Insurance | Zurich U.S. Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
26
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.
27
ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28.
28
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.
29
Cyber Security Insurance and Coverage | Zurich Insurance. Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
30
Zurich Cyber Insurance Policy. Zurich U.S.; Large/global cyber policy coverage and claims/response resources. Accessed 2026-09-28.
31
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.
32
Commercial Property Insurance: Building & Business | Zurich. Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28.
33
Insurance for Construction Companies | Zurich Insurance. Zurich U.S.; Builders risk offering; construction customers; construction coverages and risk services. Accessed 2026-09-28.
34
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.
35
Surety Bond Company: Construction & Corporate | Zurich. Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28.
36
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.
37
2025 U.S. Small Commercial Insurance Study - JD Power. J.D. Power; 2025 study methodology, sample size and field dates. Accessed 2026-09-28.
38
U.S. Small Commercial Insurance Study - JD Power. J.D. Power; 2025 and 2026 profiled target brands and publication dates. Accessed 2026-09-28.
39
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.
40
Zurich Insurance Reviews | Trustpilot. Trustpilot; Global Zurich Insurance profile, TrustScore and review count. Accessed 2026-09-28.
41
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.
42
Zurich American Insurance Company | BBB Business Profile. BBB; Business grade, accreditation, Zurich NA description and line list. Accessed 2026-09-28.
43
Zurich American Insurance Company | BBB Reviews | Better Business Bureau. BBB; Customer Review Ratings and review count. Accessed 2026-09-28.
44
NAIC Consumer Insurance Search. NAIC; Company/state/line consumer complaint lookup; interactive result did not render. Accessed 2026-09-28.
45
List of financial strength and issuer credit ratings | Zurich Insurance. Zurich Insurance Group; Current ratings for Zurich American Insurance Company. Accessed 2026-09-28.
46
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.
47
ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; Product-page underwriting jurisdiction caveat; individual North American insurance entities. Accessed 2026-09-28.
48
Workers’ Compensation Insurance | Zurich Insurance. Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28.
49
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.
50
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.
51
About Zurich U.S. | Zurich U.S. Insurance. Zurich U.S.; Opening paragraphs; relationship to Zurich Insurance Group. Accessed 2026-09-28.
52
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.
53
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.
54
Zurich U.S. History. Zurich U.S.; 2026 history page, planned transition wording; completion date not stated. Accessed 2026-09-28.
55
Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
56
Contact Zurich U.S. Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28.
57
My Zurich customer portal. Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28.
58
Report a Claim. Zurich U.S.; Claim notice methods and stated acknowledgment workflow. Accessed 2026-09-28.
59
Customer Care Center. Zurich U.S.; Published customer-care hours and contact. Accessed 2026-09-28.
60
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 Nationwide and Zurich U.S.

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

Nationwide at a Glance

Zurich U.S. at a Glance

Nationwide vs Zurich U.S. Coverage Lines Compared

Nationwide 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

Fiduciary Liability Insurance

General Liability Insurance

Inland Marine Insurance

Management Liability Insurance

Professional Liability (E&O) Insurance

Surety Bonds

Umbrella and Excess Liability Insurance

Workers’ Compensation Insurance

Nationwide and Zurich U.S. Reliability Scores

Nationwide Reliability Scores

Zurich U.S. Reliability Scores

Nationwide and Zurich U.S. Review Scores for 2026

Nationwide Review Score

Zurich U.S. Review Score

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

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

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

What Should You Ask Before Choosing Nationwide or Zurich U.S.?

Nationwide vs Zurich U.S. Services Compared

Provider Profiles for Nationwide and Zurich U.S.

What Is Nationwide?

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

Sources for Nationwide vs Zurich U.S.

Nationwide Official Website

Zurich U.S. Official Website

Comparisons Related to Nationwide vs Zurich U.S.

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