Zurich Property & Casualty Insurance Reviews

Unacceptable delays and zero accountability. I was hit on the freeway by a commercial dump truck insured by Zurich. It has been 192 days since my minivan was totaled, and I am still waiting for payment despite clear dashcam proof of fault. They are mostly non-responsive to myself and my attorney, even after receiving all documents twice. This extreme delay has put a massive financial burden on my family. Absolutely terrible service.

They send a card notice that looks like a tax notice stating your home warranty coverage ends and they want to ensure you renew. Not ever having a home warranty insurance on my home I called to ask when this "so called policy took effect" and they have quite the spiel saying you had it for three years and now it is expiring. I asked them to provide the warranty number and that is when they began to stumble over their script. It's a con to get you to purchase a home warranty program for your homes appliances, AC, etc.

Zurich is unethical and deceitful. DO NOT purchase any kind of insurance with them. The adjusters are all disrespectful, including the supervisors. I pay hundreds of dollars for the insurance that was supposed to cover any body paint, leather or carpets damage and they will not pay for anything.

If I could leave zero stars I would. I tried this service in 2016, had a bad experience and switched as soon as I could, then had sales agents knocking my door the whole time from 2017-2025 in every address I moved to, the bad experience kept me from giving them a 2nd chance until 2025, that was a mistake on my part, they came and installed a messy job, internet was not working properly through the Ethernet cable and they damaged my tv. A 2nd technician was dispatched to my home, when they came I ended up upgrading to the 2gb service due to weak 1gb reception, they suggested that I submit a claim through Zurich (3rd party insurance company), Zurich and their dismissive staff denied my claims saying that the way my tv was damaged couldn’t have been done through installation. Guys, if you like quality…. look elsewhere. Obviously, the reviews speak for themselves.

This insurance company has the worst representatives. Kelly ** was the person working on my claim. Every time I asked her a question she would huff and puff on the phone or give me a spill about how I “must’ve had a hard time with other insurance companies”. At the beginning, I thought maybe I was tripping. Side note: This is the only bad experience I had with an insurance company! Honestly, I just ask questions because I want to have knowledge on things. Kelly asked me if I wanted to take my car in the first week. I did not. I ended up getting sick and was not active. When she got back from PTO on the 31st of July; Kelly told me she would go over bodily injuries with me. I waited for her to call. So I ended up contacting her possibly on the 5th of August. When I called her I took a day off work to head to the body shop and hospital to get my bill.

Zurich sent me a letter claiming that I do not have Home Owner's Insurance so I called them to share with them that I do have Home Owner's Insurance through Home Shield. The representative, Jordan, stated that Zurich is a better company and that he could save me more money throughout my three year policy. Then Jordan said that I would need to pay a $149 activation fee. I stated that I do not have the money at this time and that I would call back on Friday to switch my current policy over to Zurich. Jordan said that I could do a postdated payment but I stated that I didn't want to do a postdated payment and that I would call back. Jordan then had an attitude stating that what I was saying doesn't make sense and that I should just do the postdated payment. I stated that I didn't want to do the postdated payment over and over again. He accused me of working for another Home Owner Warranty competitor and stated that I was wasting his time.

We had insurance with Zurich for a few years. After renewing the insurance recently we sold our business and cancelled the insurance. It cost us $531 and we cancelled it 1 month later because we did not need it any more. Zurich said they could refund the $31 but the $500 they would keep for underwriting the policy. They underwrote this policy several years ago but want $500 a year every year to do this with no exceptions. I am not using the insurance anymore so it if free money in their pockets. SCAMMERS.

I purchased my vehicle from the Toyota dealer. They offered me a BUMPER TO BUMPER warranty for almost $3k for 3 yrs. Never used it until now that the vehicle is experiencing a electronic connection malfunction that is covered under this warranty. They say, "Yes we will cover the cost of part and LABOR," so dealer mechanic gets on the job. The issue is underneath the vehicle so because of nature the screws have Rust and won't budge and for that the whole differential has to be replaced and Zurich Denied the claim cause they CV claim policy does NOT COVER RUSTED BOLTS like are you serious. It's obvious anything underneath vehicle is going to get rust.

Our vehicle was struck by a "Commercial vehicle" from a company that was insured by Zurich. After submitting the claim the day after the accident, and then providing them with a copy of the accident report (their driver was issued a citation for disregarding a STOP SIGN), our driver's statement, and the estimate for repairs to our vehicle; they said they would get back to us right away. 2 weeks later I am calling and leaving messages for several days (multiple messages) with the adjuster's voicemail, which states that she will return my call within 24 hours. I finally got forwarded to her supervisor who also did not take my call and whose message also said she would return my call in 24 hours. Finally I got a call back from her telling me in the last several weeks they were unable to get a statement from their insured's driver. Meanwhile my truck sits in the shop. Her advice to me? Have my insurance provide the needed repairs to get me back on the road.

They denied a homeowner's policy on my new condo because several years ago there was a leaky water pipe at a previous home I owned. Think about this pseudo-logic and bad statistics: there is zero correlation between a random leaky water pipe at one residence with another random leaky water pipe at a new condo. Yet this is what their rejection letter noted, that the loss history presents unacceptable risk that it may happen again. It's black box alchemy and it's why consumers do not trust insurance companies and ask for more regulations.

Zurich was unfortunately the insurance company for a hotel were I had an incident occur. The experience I’ve had with this insurance carrier has been the worst I’ve ever experienced or heard of. Unfortunately, shortly after checking into my hotel room, a “housekeeping manager” walked into my hotel room while I was standing in the front room hallway, unclothed. I started screaming for her to get out, as she proceeded to come in saying “it’s ok, I’m housekeeping”. I continued to scream and run away and she finally left. I reported the incident to the front desk, and I was offered “some drinks at the bar”. I left a poor review on the hotel site, and was then contacted by the general manager who told me that this was due to a miscommunication between the front desk and the housekeeping staff. I was also told that they were all discipled for the issue.

I was shopping at Home goods store in San Rafael California and a display of cement bench that was placed in the store and wasn’t placed right on top it fell on my foot. Thankfully didn’t amputate my foot. My knees got injured as I was trying to run away from it. Doctor's report said that surgery won’t help my pain, I have to deal with the pain. Zurich insurance is the insurance company for home goods. They told me to send them all doctors reports and the bills. After I sent them all information they ignore my emails and my calls until my 2 years of statute of limitations was done. Now that they answered my call they said my two years is up. We should do a class action suit against this crooks like them.

I got hurt at home. Went to the urgent care from work. X-rays (from urgent care) showed nothing wrong my arm. After a week of not feeling better, I went to my primary care doctor. X-rays taken discovered I had two fractures in my arm. The primary care doctor referred me to an orthopedic doctor for further treatment. Medical records documenting was uploaded to Zurich. I was assigned a case manager, but had to talk with a call center representative where there was NO direct contact with the case manager. The case manager then reviewed the upload documents to determine if the case is valid. These case managers are NOT medical doctors nor do they have medical training to determine if a case is valid.

I got hurt at work. Went to the ER from work. X-rays showed nothing in my arm. Dr referred to a primary Dr. who then referred to a MRI and specialist. Specialist seen it was a rip in my muscle. Referred time to another specialist for treatment and physical therapy. Zurich approved 2 Cortisone shots and PRP then surgery in 9 months. Didn’t receive a payment for 25 days. Then got check for 1,000. Week later $300 every week $300 for two months then nothing for two weeks. I contacted adjuster. No response. Then I contacted everyone in the directory from voicemails. Finally got a call back saying my adjuster changed and I needed certain paperwork.

Purchased a warranty on an expensive work vehicle and in 4 years have not used this warranty. Recently the exhaust manifold went on the vehicle and Zurich is saying "we don't cover it because it's rusty"... Ok what vehicle in NYS after 4 years would not be rusty underneath? It still has less than the 125k miles in the contract and has been serviced exclusively by the dealer we purchased it from. Just another loophole that the insurance company uses to keep your money and not pay for the damages which are no fault of the mine. The exhaust manifold should be good for way longer than 4 years rust or not... Shame on Nissan for not making a better quality exhaust for their vehicles in NYS and shame on Zurich for taking advantage of its customers by offering a policy they know they will not have to pay on.

I had one of their insured total my vehicle by bending the frame. It took them three months to take responsibility for damages. It has now been 9 months after they accepted responsibility and I have yet to see a check or am unable to get anyone call me back. If you deal with these people you better lawyer up from the beginning in my opinion.

Marcin ** is probably the rudest and laziest claims adjuster for this company. He doesn't sent out your checks as I have been waiting over a month for a check. He won't answer or return phone calls even when a lawyer gets involved. He delays everything and makes things more difficult when he could of easily solved it that day. Not only has he been rude to me, but he is rude to my lawyers firm. I have had previous claims adjusters but Marcin is by far the absolute worst and rudest claims adjuster. I did NOT look to be hurt at work and did NOT expect my life to be changed because of this injury but now I have to deal with this kind of rudeness and be behind on bills because he won't pay me. Zurich won't let you speak to a supervisor or allow you to get another claims adjuster. So be on the lookout because if Zurich is your Workers Compensation company, your life will get worse because of what you will have to deal with.

Yvette ** is a complete crook and anyone that would hire someone so heartless is just as bad. I was injured at work and my Dr was taking too long. She advised me that they would not pay me unless I went to a Dr immediately. They sent me to their Dr which then cleared me for light work... I didn't get paid from my job and they won't pay me nor would they allow me to see my original Dr at the VA that I set up before seeing theirs... PLEASE TAKE heed to all these comments on here about them! First time I have ever been thru workers comp and I got screwed! Go talk to a lawyer before you say ANYTHING to these CROOKS!!!

I was involved in an accident with one of their customers. I was hit from behind. My frame was bent, which was a total loss. They assigned me with an insurance adjuster that was on vacation. Which was a week and a day after I filed the claim that he returned from vacation. He sent me an email on that Friday stating he would look into my claim, only after I called him wanting to know if he looked at it. I had previously called while he was on vacation and asked if he had a team with other adjusters on his team, why did I not get assigned to one of them. Did not get an answer. Just said it would get looked into. Then once it was considered a total loss, that adjuster never answered returned a call unless you left a message threatening to go above his head most of the time. He was rude most of the time, then you get fed a line about one of their experiences.

On November 20, 2017, I was hit from behind by one of Zurich's insured fleet vehicles, which pushed me into another vehicle. My vehicle sustained both front and rear end damage which resulted in a total loss. The total loss agent was rude and would not call me back, in fact I've had to repeatedly call them and request a different agent. I even called the manager, but then got sent back to the same agent. It's always one excuse after another. It has been over 3 months and they still have not picked up my damaged vehicle to settle the claim.

My company recommend these people in orientation. "Because if something happens, you'll need this company to help pay your bills". Sounds nice, but that's not the way it worked. Zurich is efficient in taking the monthly payments from you, but when it comes to them paying you, in my case it never happened. I got hurt on the job. I'm an o/o. I ended up having to have surgery. The doctor I used was on their PPO list. My accident claim was turned down. They didn't consider wear and tear on a joint viable. So then I asked them, what about the disability part? Their reply "we're reviewing it".

Got hurt on my job and Zurich denied my claim for disability, the rep Sherry ** is so rude and doesn't care about your pain and suffering, it's just a money racket in their favor, they don't care about the consumer, I am still under doctor care.

On October 6, I was involved in an accident with one of Zurich’s customers who was at fault. The accident resulted in my vehicle being deemed a total loss, which you would think would be the worst of my problems, but no. The only time that the adjuster would call me back was at 8 o-clock at night and the only way I would be able to receive a timely response would be to hound the customer service staff.

I am not the type who leaves reviews. But this a company of CROOKS with no morals or sense about them. I was hit by a company truck (Flatiron-Zachry is the company and should drop Zurich immediately) that was speeding down a MEDIAN to cut past traffic that was at a dead stop. I was making a left turn out of a parking lot and was struck by the driver illegally speeding down a median. The driver confessed 100% to the officer, the police report is black and white. I was not at fault in any way. My car is likely totaled. I am lucky he did not kill me. I never would have expected ZURICH would say they have no fault. But that's not all. The Zurich adjuster, TONI **, contacted me 1 x after I filed.

My husband got rear ended while waiting on the traffic light on August 18, 2017. The other vehicle and driver are insured by Zurich American and we filed the claim with them. They took the call and told us that the agent in charge will give us a call soon to help us with estimate and repair of the vehicle. We got a call five days later from the agent with statement that their policy was expired. Turned out that the person that took initial data wrote down wrong policy number. Two days later she called back again and said that they have to send their own damage adjuster and the estimate was over $3k. We have not heard from them ever since.

My daughter works at Red Lobster, a thief comes in and steal her keys. A off duty police officer was aware of the lady and went outside. His statements was she can only steal biscuits. The white lady thief reached behind the hostess desk and stole my 2015 Mustang keys. Red lobster is insuranced under Zurich. They denied my claim and was very rude to my daughter and me. Madison ** wasn't nice and her boss Chirs was very rude. I called to do a appeal. Chis said him and David ** will never help me a ** person get a appeal. My daughter and I are walking now.

I had an issue at McDonald's. I was served a frozen sandwich which caused me to break my filling out. I was contacted by Zurich Insurance's rep Sam and was told one more week for the last 3 when he seen I needed a root canal because of my injury. He became very rude. I am very unhappy with the way I've been treated and I'm thinking of contacting an attorney because of it. If he wasn't so rude and unprofessional I would not be STEER clear of this company if possible. Very unprofessional and rude reps. Not informative nor helpful at all.

I was painfully hurt at a casino, Zurich agent Missy ** would not work with me on medical bills or a just pain and suffering. She has ignored my past several e-mails. This company gets a zero rating and I see they are lucky to get the 1 star review.

I was rear-ended by a Zurich NA customer a few weeks ago. The driver was very nice, but Zurich NA proved slow and unhelpful with my claim. A favorite tactic seems to be to claim they've set something up with the proviso that you should call back in a few days if you haven't hear from anyone. In other words, they can't be bothered to follow up, you need to chase everyone down yourself. More than two weeks have gone by and no one's even looked at my car, let alone fixed it. A very bad experience.

4 days ago one of their insurers in a dump truck hit the left quarter panel of my car. I called Zurich and made a report. Gave them until Tuesday to get back to me. Called on Tuesday and was given an adjuster name. Called twice and left a message and emailed him. Today I called the main number and they said they are unable to reach him but send an internal email to him to contact me. Three hours gone by and no contacts. Guess I have to get my insurance company involved now and see what happens.

If you wish to throw your money away and want insurance that will ensure you will "almost never" be compensated for legitimate claims Zurich is the trash can to pitch your money in! Thank you so much for taking my $1473 and only settling 1 of 2 claims over my 5 year contract. Trust you'll put the remaining $1098 of my investment with you to good use advertising for, and screwing more suckers.

This company is the WORST, I'm begging anyone that is reading this to take heed and read all the reviews here. We canceled our policies for both of our tow trucks because they raised our rates without notifying us... so we immediately cancelled. They then tried to ask us to come back and they would keep the rate the same... we told them, "No thank you." Then the following month they tried to bill us for a month we already paid for. The problem is they didn't know what month they were trying to bill us... first it was June then they tried May (fishing to see if we still had our receipts). We hold all our receipts. We are prepared to go to court with these CROOKS. PLEASE PEOPLE STAY AWAY, RUN, HANG UP on these CROOKS. DO NOT DO ANY BUSINESS WITH THESE SCAM ARTIST. THEY LIE and I don't understand why they are still in business.

I was rear-ended by a punk kid who worked for a Ford dealership in OR and was insured by Zurich. He was driving a dealer car at the time. He was following too closely on the freeway in stop-and-go traffic and ended up hitting me. As we pulled over to exchange info, he told me he was on the phone and that's why he hit me. Well after all this, I call Zurich to make my claim and before I can even get my side out, I was told the driver is now claiming he was hit and that's why he hit me! Well my claim was denied as the mystery 3rd party involved is now responsible for my damage. Not sure where he came up with this but had there been a 3rd person, I would have also got their info. I now have damage to my car and have to take care of it myself. They will be seeing me in court!

I was rear ended by a fleet vehicle 11/2016 that had Zurich as their insurance. I called the night of the accident to report the claim. One week later still heard nothing from them. I had to initiate every call between them and I. Eventually car was totaled. Once again I had to make numerous calls to them that find out what's going on and where we're at. Nobody will return your call or email and managers could care less as well. Horrible company! Feel sorry for anyone who gets stuck having to deal with them!

My car was totaled due to water damage. It was good news to find out I had Gap insurance, until I found out after having my new car for 5 weeks, that Gap insurance wouldn't cover the remaining balance that was owed. Leaving me $3600 to cover. So unless I can come up with the $, I am unable to get a car. DO NOT GET GAP INSURANCE FROM ZURICH. I am no longer with any company getting Gap.

15 yr ago I was damaged back/psyche, by Transport America and its insurer Zurich financial deliberately under workers' compensation, racketeering/fraud/slavery/starvation, and deprivation of housing, medical services and the right to trial in a loop. Here is the W C case No. ** filed in San Bernardino, California. If you cannot access case info, contact Jeannette ** in that W C. Court. Please post my email, so that people who have similar problems can communicate with me. Thank you.

Riding my motorcycle behind a car carrier, a piece of a car broke loose and fly up striking the front of the bike. I had no choice but to hang on and attempt to keep the bike upright. After getting the driver pulled over, a witness stopped and stated he was amazed I didn't go down at 70MPH. A police report was filed and I filed a claim. After a few days I get a letter that there didn't have the company as a policy holder. Called the company who had to file a claim. 18 days and no adjuster. They outright lied that he had been there. Then the putz had no clue what he was doing. After a few days later of contacting them, I get a call that they are totaling the bike and they will call back. Three days later and nothing. Phone calls go unanswered.

I have been working with adjuster Lisa **. She doesn't return calls within her stated time frame. I call her 3x a week and hear nothing. Claim is being denied on the basis of not being previously on notice of danger in no lighting near bathroom of shopping center. Feels like they will run out the legal time for claim and I will not be reimbursed for medical expenses and ongoing pain and limitations. Sounds like life.... and will not expect fairness. I have not been able to get legal representation as this is "small potatoes."

I am being treated like this did not happen to me. They have denied my claim. I was injured with 6 herniations. It was definitely not my fault. The premises were very dangerous, but you could not see it until it was too late. I don't know how it is legal for insurance companies to get away with what they do. Something is wrong with the system. This has ruined my life. Cannot to get operated on. In financial crisis all because went down to last Resorts in frantic City on a Groupon deal, by the way are also a shady organization. Cannot get legal representation, because not one lawyer wants it. Zurich will not settle, they say. That is pretty bad. The company should be shut down because they do nothing. This company is full of dirty lowdown lowlife. Some can't even talk properly. Government, why do you not regulate this dirt ball company. Someone owes me. That is all I know.

As I started dealing with Zurich I read the reviews and was surprised that people were actually going through this. Because my experience was not like this at all. However I spoke to soon. After my surgery things started to go downhill as far as them sending out my checks. It's like they don't care about you surviving to take care of your household. They will hold your checks to the point you are behind in everything. The Workers Comp Commission really needs to put this company in check.