Zurich commercial auto insurance

Our take

As an international insurer, Zurich is best for companies that operate in multiple countries or have international clients who may need help navigating cross-border insurance issues.

Zurich has some specialty insurance products, including suites of insurance coverage for car-rental businesses and other industries, such as airport shuttles and garages.

Zurich provides very little information about its policies online. Since it mainly focuses on larger companies, it doesn't list detailed policy information for small business owners, and online quotes aren't available.

Understanding commercial auto insurance

Commercial auto insurance covers claims involving company-owned vehicles, including cars, trucks and vans. Depending on the policy, it pays for injuries and damages to people and property, including your employees, passengers and business-owned vehicles. A personal insurance policy, on the other hand, won’t cover claims that happen while the vehicle is operating for business purposes. 

A basic policy includes bodily injury liability and property damage liability, which pay for damage you or your drivers cause to others during an accident. Each state has different required liability limits, and your policy should have at least the limits required by state law. Consider higher limits for better protection.

Businesses can also sign on for additional coverage, such as comprehensive and collision insurance. Comprehensive covers damage to your vehicles from non-collision events, such as theft and natural disasters. Collision covers damage from impacts with other vehicles or objects. 

Keep in mind that commercial car insurance doesn’t apply to personal vehicles. If your employees use their own cars for work purposes, you might need other types of coverage.

“In most cases, commercial auto insurance does not cover employees’ personal vehicles when they’re being used for business. If your company uses personal vehicles to make deliveries, visit clients or carry out other work activities, you’ll want to add hired and non-owned insurance,” says Belen Tokarski, president and COO of Mylo, an independent insurance broker.

Zurich commercial auto insurance coverage

There are five areas that most Zurich commercial auto insurance policies cover.

• Liability: This pays for injuries to others and damage to other cars or property when your driver is at fault for the accident.
• Collision: This pays to repair or replace your vehicle if it strikes another object, overturns, rolls or is in a collision with another vehicle where your driver is at fault for the accident.
• Comprehensive: This pays to repair or replace the vehicle if it is damaged by something other than a collision, such as vandalism, fire or storm damage. 
• Uninsured/underinsured motorist (UM/UIM): This helps pay for damage and injuries associated with an accident that wasn’t your fault when the other party either has no insurance or lacks enough coverage to pay for the loss. 
• Medical payments: This protects your driver and passengers and helps pay for injuries they incur in an at-fault accident.

Zurich also offers a variety of optional policies, including supplemental liability insurance, personal property coverage, personal accident coverage, rental liability insurance, business auto (shuttle) coverage and garage liability insurance.

Types of commercial vehicles Zurich insures

Zurich covers a wide range of vehicles, including:

• Business autos: This category includes all cars, light trucks, SUVs and vans. 
• Trucks: Zurich covers a variety of trucks, including dump trucks, construction vehicles and tractor-trailers.
• Trailers: This category includes pickup truck utility trailers, dump body trailers and tractor-trailers. 

Zurich commercial auto insurance benefits

Zurich says it offers many services that business customers may find beneficial, including:

• Insurance packages for multinational businesses
• Commercial auto insurance for unique vehicle types, like airport shuttles
• Supplement commercial auto policies, like personal accident coverage
• Online bill payments

How Zurich stacks up against other commercial auto insurance companies

Zurich is the sixth-largest commercial auto insurance company by market share, controlling 3.2% of the market, according to a March 3, 2025, report from the National Association of Insurance Commissioners (NAIC), the standard-setting and regulatory support organization overseen by the country’s top insurance regulators. Its closest competitors are Geico which has a 3.7% market share, and Auto-Owners, with a 3% share of the market.

A major criterion for judging insurance companies is the NAIC’s complaint index.

The NAIC’s complaint index is based on the number of complaints filed against the company with state insurance regulators compared to that company’s market share. A score of 1.0 means it received a number of complaints proportionate to its market share, while a score higher than 1.0 means it received a higher-than-expected number of complaints for its market share. 

In 2024, the  NAIC complaint index for the company’s Zurich American Insurance unit was 0.45, which means it has fewer complaints than expected for its size. 

Another consideration when selecting an insurer is its financial stability. After all, you want your insurance company to be on a strong financial footing should you even need to file a claim. 

AM Best, a ratings agency that measures financial strength, gives Zurich an A+, indicating that the company is in a superior position to meet its financial obligations. 

How does Zurich commercial auto insurance pricing compare with the competition?

Zurich doesn’t publish its commercial auto insurance rates online. However, the cost of commercial car insurance coverage depends on several factors, such as location, coverage options, vehicle, driving history and the business you're in.

According to Insureon, a small-business insurance agency, the average cost of commercial auto insurance is about $147 per month, or $1,764 per year.

To see how Zurich’s commercial auto insurance prices compare to those of its competitors, you’ll need to get a personalized rate quote. Comparing rates from multiple insurance companies can also help you find the most affordable commercial auto insurance policy for your situation and coverage needs.

Tips to save on Zurich commercial auto insurance 

Zurich doesn’t advertise any commercial auto insurance discounts on its website. However, there might be ways to reduce your premium. Here are some ways to save money on your commercial auto insurance policy.

• Bundling discount: Many insurers provide a discount for bundling commercial auto insurance with another policy, like general liability insurance or commercial property insurance.
• Paid in full discount: You can sometimes earn a small discount if you pay your annual premium in full at the start of the policy period. 
• Good driver discount: If your employees have clean driving records with no recent accidents or violations, Zurich might give you a discount on your commercial auto insurance premium.

How to buy Zurich commercial vehicle insurance

To get a quote or purchase a commercial car insurance policy from Zurich, you can call the company at (800) 382-2150.

Before you talk to an agent, you’ll want to have all pertinent information available to ensure the quote is accurate. You’ll need the year, make, model and VIN for all vehicles. You’ll also need employees' driver's license numbers so Zurich can properly rate the drivers. 

Also, consider what coverage you want. You can choose a liability-only policy to meet state minimum requirements; however, this will not protect the vehicle if you are at fault for an accident. Talk to the representative about deductible options to help you save money while getting the protection you want. 

Once the representative has all the information, they’ll provide you with a quote for approval. From there, you just need to pay the initial premium to start the policy. 

Bottom line: Why go with Zurich for commercial auto insurance?

Zurich can be a great insurance carrier for businesses with an international presence. It can ensure that your business is adequately covered in the U.S. and other countries where the company operates. Zurich also offers a few specialty coverages, like garage liability insurance and rental liability insurance.

Zurich’s website, however, has limited information about its business insurance policies, including commercial auto insurance. Additionally, you must call the company to request a quote or purchase any business insurance policy.

What our expert says

Q: Does commercial auto cover worker’s cars?

Belen Tokarski President and COO of independent insurance broker Mylo.

"In most cases, commercial auto insurance does not cover employees’ personal vehicles when they’re being used for business. If your company uses personal vehicles to make deliveries, visit clients or carry out other work activities, you’ll want to add hired and non-owned insurance."