- Our expert take
- Zurich commercial auto insurance at a glance
- How much does Zurich commercial auto insurance cost?
- How does Zurich determine commercial auto insurance rates?
- Does Zurich offer any commercial auto discounts for business owners?
- What does Zurich commercial auto insurance cover?
- What is included in Zurich's commercial auto insurance?
- Does Zurich offer optional or industry-specific coverage options?
- What types of vehicles does Zurich insure?
- How does Zurich compare to competitors?
- Compare commercial auto insurance companies
- How can I buy Zurich commercial vehicle insurance?
- Frequently asked questions
Our expert 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.
Here are our pros and cons for Zurich commercial auto insurance:
- An A+ (Superior) financial rating from AM Best
- Car-rental business coverage
- Limited policy information online
- No online quotes
Zurich commercial auto insurance at a glance
| Review Category | Details |
|---|---|
| AM Best rating | A+ |
| NAIC Complaint Index | 1.4 |
| Available in | National |
| Best for | Small businesses that have operations that cross borders |
| Not ideal for | Small businesses with one or few vehicles |
How much does Zurich commercial auto insurance cost?
Zurich doesn’t publish average costs for commercial auto insurance, making it hard to compare with other companies’ costs. Small-business broker Insureon finds the average commercial auto cost at $147 a month, which comes to $1,762 a year.
Zurich's commercial auto insurance pricing for your particular business can be accurately determined by obtaining a custom quote. Comparing Zurich's rate with quotes from multiple competitors helps you identify the company offering the most affordable rates.
How does Zurich determine commercial auto insurance rates?
Zurich evaluates your business’s risk profile to determine your cost of commercial auto insurance. Cost-determining risk profile factors include:
- Industry
- Number, type and age of vehicles
- Vehicle use
- Driving history
- Claims history
- Location
- Coverage types, limits and deductibles
Does Zurich offer any commercial auto discounts for business owners?
Yes, Zurich offers a variety of discounts that may help business owners lower their commercial auto premium.
Zurich doesn’t publicly advertise specific discounts for commercial auto insurance on its website. However, there still might be ways to potentially lower your premium.
Here are some common discounts you can ask Zurich about when buying 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.
Another good way to save is to hire drivers with good driving records to ensure you get the best rates.
What does Zurich commercial auto insurance cover?
What is covered by Zurich's commercial auto insurance policy depends on what coverage you pick to be a part of it. The most basic policy will include liability insurance and, if your state requires it, uninsured/underinsured motorist, personal injury protection (PIP), or medical payments (MedPay). A full coverage policy will also include collision and comprehensive coverage, providing protection for your vehicle.
Here’s a look at what coverage states may require and what optional coverage could potentially be added to a policy.
| Coverage type | Good to know |
|---|---|
| Bodily injury liability | Required by states. Covers injuries you cause to others; required everywhere; limits vary by state. |
| Property damage liability | Required by states. Covers property damage you cause to others' property; usually optional. |
| Collision | Optional. If you have a lease or loan on a vehicle, the lender may mandate you have it. Covers damage or loss from business-use accidents. |
| Comprehensive | Optional. If you have a lease or loan on a vehicle, the lender may mandate you have it. Covers damage or loss from weather, theft, fire and more. |
| UM/UIM | Requirements vary by state. Covers damage or loss from accidents caused by uninsured and underinsured drivers. |
| PIP or MedPay | Availability and requirements vary by state. Covers medical expenses and related costs for you and your passengers after an accident, regardless of fault. |
| Hired and non-owned auto | Optional. Coverage for rented or employee-owned vehicles used for business. |
| Roadside assistance | Optional. Covers towing, battery jumps, flat tires and lockouts. |
| Rental reimbursement | Optional. Covers rental vehicle while business vehicle is out of service for an approved claim. |
| Trailer/cargo | Requirements vary by state. Covers trailers and cargo you use for business, but don’t own. |
| Any auto | Availability varies by state. Covers both hired and nonowned vehicles, such as an employee’s personal car used for business. |
What is included in Zurich's commercial auto insurance?
Zurich's standard coverages for commercial auto insurance varies by state, but can include:
- Liability: This pays for injuries to others and damage to other cars or property when your driver is at fault for the accident. Commercial auto insurance liability limits can be split, such as 25/50/25 with the first two numbers for bodily injury and the third for property damage or combined, like $300,000 for both coverage types.
- Uninsured/underinsured motorist (UM/UIM): This helps pay for 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. Some states also offer uninsured motorist property damage (UMPD) coverage that pays for damage to your vehicle.
- Personal injury protection (PIP): This pays for accident-related medical costs that you or your passengers incur, along with lost wages and replacement services, to perform tasks you’re unable to due to your injuries.
- Medical payments: This protects your driver and passengers and helps pay for injuries they incur in an accident.
- Collision: This pays to repair or replace your vehicle if it hits another object, overturns, rolls or is in a collision with another vehicle, regardless of fault. Collision coverage comes with a deductible.
- Comprehensive: This pays to repair or replace your vehicle if it’s damaged by events other than a collision, such as vandalism, fire, or storm damage. Comprehensive coverage comes with a deductible.
Does Zurich offer optional or industry-specific coverage options?
Zurich offers several optional commercial auto coverage options, including:
- Hired auto: Extend coverage to employee-owned or rented vehicles when used for business purposes.
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.
What types of vehicles does Zurich insure?
Zurich's commercial auto insurance covers a wide range of vehicles, such as:
- Business autos: This includes cars, light trucks, SUVs and vans
- Trucks: Zurich covers a variety of trucks, including dump trucks and general freight haulers
- Trailers: This includes pickup truck utility trailers, dump trailers and tractor trailers
How does Zurich compare to competitors?
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). Its level of complaints is significantly higher than competitors its size.
Use Insurance.com’s commercial auto comparison tool to gain more insight into how Zurich compares with top competitors.
How can I 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.
Here’s a checklist for the information you’ll need when purchasing a policy from Zurich:
- The names, license numbers and driving record information (tickets or accidents) of all the workers who’ll be driving your business vehicles
- The make, model, year and VIN of your business vehicles
- The place your business is located and what each vehicle will be used for
- The estimated number of miles each vehicle will be driven annually
- The coverage types, policy limits and deductible amount you want
Expert tips: How can I save money on Zurich commercial auto insurance? Commercial auto insurance is a necessary expense for small business owners. Here are some strategies to save on commercial auto insurance and ensure you’re getting the best rate for your policy.
- Bundle policies. If you already have a BOP or other commercial coverage with Zurich, ask if you can get your commercial auto policy there as well and bundle to save money.
- Compare rates. Every insurer, including Zurich, evaluates risk differently. Get quotes from at least three companies to make sure you’re getting the most competitive price for the coverages and limits you need.
- Check for discounts. Ask Zurich agents about any discounts or other savings programs you may qualify for.
- Review your coverage choices. Assess your Zurich coverage yearly. Look at your limits, deductibles and any optional coverages you’ve added on. Make sure your coverage and limits match your actual exposure. If affordable, you can often raise your deductible to lower premiums.
Frequently asked questions
How do I file a commercial auto claim with Zurich?
To file a Zurich claim, use the company portal, contact your agent or call the claims line specific to your location.
Can I bundle my commercial auto insurance with other policies from Zurich?
Yes, you can bundle commercial auto insurance with other Zurich business insurance, like a general liability policy or a business owner's policy (BOP). While Zurich doesn’t advertise a bundling discount, you might be able to save money if you bundle two or more policies.
