Zurich Producer Compensation

Zurich pays commission to agents and brokers as compensation for their work in placing and servicing your insurance. Such commission is generally expressed as a percentage of the premium you pay.

The actual commission that your agent or broker is paid depends on a number of factors. The following describes the process that is generally used to determine the commission.

As we develop our quote, the commission is based on factors that may include the type of policy, the premium size, individual policy underwriting considerations, other services provided by your agent or broker, and the compensation arrangements we may have with your agent or broker. Also, the actual commission paid may include additional commission amounts payable to certain producers.

For each type of policy for a particular insurance market segment, Zurich determines a maximum commission that is generally the most Zurich will pay. For some types of policies, it is a flat percentage, and for other types of policies, the percentage is reduced as the policy premium increases.

In some instances, an agent or broker may request a quote with no commission because compensation arrangements are being made directly with the customer. Please note for those specific instances in which an agent or broker declines to accept commission, we may not be permitted by state law to lower the premiums charged.

This Web site provides information about the nature and range of commissions by line of business. The Commission Payment table found via the links on the left will show information on the commission payments that apply to your policy's line of insurance business. The actual percentage commission that we would pay on your individual policy is not provided on this Web site. All commission arrangements are subject to the laws of the applicable jurisdiction(s).

Contingent Compensation is another form of compensation that may be paid to some agents or brokers if certain business results are achieved. We design our contingent compensation programs to encourage agents and brokers to work with us in building and retaining a profitable book of business. Some agents and brokers choose not to participate in contingent compensation programs with us.

Contingent compensation is based on a formula that usually includes consideration of your premium and losses along with that of other Zurich customers served by your insurance agent or broker. To determine whether your insurance agent or broker is eligible for an award at the end of the calendar year, we review your agent or broker's business in light of the formula. The formula normally includes one or more of the following components:

Premium volume

We pay a percentage of the eligible business written depending on the total amount of the eligible premium. For most insurance distributors, premium volume consists of existing business and new business. In most instances, it is desirable for us to encourage premium growth. To do so, we have some incentive agreements that specifically reward growth over the prior period or the development of new business.

Profitability

Profitability of the business is determined by comparing (1) the losses that are incurred on the policies issued (including in some instances the related, general expenses) to (2) the premium paid for those policies.

Premium business

We may pay contingent compensation for the placement of particular types of business with us.

Other Compensation

In addition to paying base compensation and contingent compensation to agents and brokers in connection with specific policies, we may also provide other benefits to them in the course of our business dealings, including paying for certain meal and entertainment expenses.

Some benefits are promotional events to which agents and brokers may be invited. Promotional events serve to promote Zurich as an insurance carrier available to agents and brokers to place insurance, strengthen our relationships, and enable the agents and brokers to learn more about our products and services.

We may also sponsor educational events so that agents and brokers can learn more about our products and services; we may also pay for their professional continuing education.

In addition, we may pay for expenses incurred by agents and brokers for sales or marketing activities, or other customer outreach. Upgrades to agent and broker computer systems are sometimes funded by Zurich.

Also, we may retain agents and brokers for their expertise in providing services such as risk engineering, or underwriting. We may support charities designated by agents and brokers. In some instances, we may provide loans to agents or brokers or acquire an equity interest in them. We also may provide brokers and agents certain gifts of modest value.

YOUR USE OF THIS WEBSITE IS EXPRESSLY CONDITIONED UPON YOUR ACCEPTING AND AGREEING TO THESE TERMS OF USE. YOUR USE OF THIS WEBSITE WILL BE DEEMED TO BE ACCEPTANCE OF THESE TERMS OF USE.
IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS WEBSITE.

These Terms of Use ("Legal Terms") describe the terms and conditions applicable to your access and use of this Web Site, which is owned, operated and controlled by Zurich American Insurance Company ("Zurich", "we", "us", or "our"). Zurich does business as Zurich in North America.

Zurich may, at any time, for any reason and without notice, make changes to (i) this Web Site, including its look, feel, format, and content, as well as (ii) the products and/or services as described in this Web Site. Any modifications will take effect when posted to the Web Site. Therefore, each time you access the Web Site, you need to review the Legal Terms upon which access and use of this Web Site is conditioned. By your continuing use of the Web Site after changes are posted, you will be deemed to have accepted such changes.

You are only authorized to view, use, copy for your records and download small portions of the Content (including without limitation text, graphics, software, audio and video files and photos) of this Web Site for your informational, non-commercial use, provided that you leave all the copyright notices, including copyright management information, or other proprietary notices intact. You may not store, modify, reproduce, transmit, reverse engineer or distribute a significant portion of the Content on this Web Site, or the design or layout of the Web Site or individual sections of it, in any form or media. The systematic retrieval of data from this Web Site is prohibited.

The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Web Site without the prior written consent of Zurich is strictly prohibited.

The Web Site is protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions and other laws. Unless otherwise indicated, the Content, including, but not limited to, graphic images, buttons, layout, trademarks, service marks, logos, text, and other materials contained in this Web Site are the exclusive property of Zurich or its third party licensors. Except as expressly provided under the "Scope of Use" in Section 2 above, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate this Web Site without the prior written permission of Zurich. You may not use a part of this Web Site on any other Web site, without Zurich's prior written consent.

THE WEBSITE, AND ANY CONTENT, ARE PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT, ALL OF WHICH ZURICH EXPRESSLY DISCLAIMS. ZURICH WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE OR DELAY IN UPDATING THE WEBSITE OR ANY CONTENT.  ZURICH MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE WEBSITE AND USING THE CONTENT, AND FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY ACCESS, DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.

These Legal Terms shall be governed in all respects by the laws of the State of Illinois USA, without reference to its choice of law rules. If an applicable law is in conflict with any part of the Legal Terms, the Legal Terms will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.

The Web Site is operated by Zurich American Insurance Company on behalf of the member companies of Zurich North America (identified below in Section 6), from its offices in Schaumburg, Illinois USA.

The information below is provided in compliance with state insurance statutes requiring disclosure of all states where an insurer is authorized to transact business, as well as information regarding the insurer's state of domicile, principal place of business and the National Association of Insurance Commissioners (NAIC) code number.

All of the following U.S. insurance companies within Zurich maintain their principal place of business at 1299 Zurich Way, Schaumburg, IL 60196.

American Guarantee and Liability Insurance Company
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 26247
State of Incorporation: New York
Licensed in: All states including DC

American Zurich Insurance Company
1299 Zurich Way
Schaumburg, Illinois 60196
NAIC Number: 40142
State of Incorporation: Illinois
Licensed in: All states including DC

Assurance Company of America
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 19305
State of Incorporation: New York
Licensed in: All states including DC

Colonial American Casualty and Surety Company
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 34347
State of Incorporation: Maryland 
Licensed in: All states including DC, excluding NH

Empire Fire & Marine Insurance Company
13810 FNB Parkway
Omaha, NE 68154-5202
NAIC Number: 21326
State of Incorporation: Nebraska
Licensed in: All states including DC, excluding OK

Empire Indemnity Insurance Company
630 NE 63rd Street
Oklahoma City, OK 73105
NAIC Number: 21334
State of Incorporation: Oklahoma
Licensed in: OK

The Fidelity and Deposit Company of Maryland
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 39306
State of Incorporation: Maryland
Licensed in: All states including DC, PR, Guam, U.S. Virgin Islands, CNMI

Maryland Casualty Company
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 19356
State of Incorporation: Maryland
Licensed in: All states including DC, PR, U.S. Virgin Islands

Northern Insurance Company of New York
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 19372
State of Incorporation: New York
Licensed in: All states including DC

Steadfast Insurance Company
32 Loockerman Square, Suite 202
Dover, Delaware 19904
NAIC Number: 26387
State of Incorporation: Delaware
Licensed in: DE

Universal Underwriters Insurance Company
7045 College Boulevard
Overland Park, KS 66211
NAIC Number: 41181
State of Incorporation: Kansas
Licensed in: All states including DC

Universal Underwriters of Texas Insurance Company
12222 Merit Drive, Suite 700
Dallas, TX 75251
NAIC Number: 40843
State of Incorporation: Texas
Licensed in: All states including DC, excluding AL, CA, FL, GA, LA, MS, NC, OH, WY

Zurich American Insurance Company
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 16535
State of Incorporation: New York
Licensed in: All states including DC, PR, U.S. Virgin Islands and Guam, CNMI

Zurich American Insurance Company of Illinois
1299 Zurich Way
Schaumburg, Illinois 60196
NAIC Number: 27855
State of Incorporation: Illinois
Licensed in: All states including DC, excluding DE

Zurich may terminate the right of any user to access the Web Site at any time, with or without cause, in Zurich's absolute discretion and without notice. Any statement in the Legal Terms or elsewhere on the Web Site of specific grounds for termination of a user's right to access the Web Site shall in no manner limit Zurich's absolute right to terminate any user's access to the Web Site.

You may have other agreements with Zurich. Those agreements are separate and in addition to these Legal Terms. These Legal Terms do not modify, revise or amend the terms of any other agreements you may have with Zurich, or with any other company within the Zurich Insurance Group.

Zurich American Insurance Company, its subsidiaries and U.S. affiliates (“Zurich NA”, “we” or “us”) respect your concerns about privacy.

This Privacy Notice applies to personal information we collect on ZurichNA.com, the related careers page, the other websites that link to this Privacy Notice (together, the “Site”), or through other means in the course of our business relationship with you.

This Privacy Notice describes the types of personal information we collect, how we may use that information and with whom we may share it. The Privacy Notice also describes the measures we take to protect the security of the personal information. We also tell you how you can reach us to ask us to answer any questions you may have about our privacy practices. Depending on your relationship with us, you may receive other privacy notices from us providing additional detail about our privacy practices. By using the Site, or any of our websites or webpages, you signify your consent to this Privacy Notice.

Information You Provide Directly to Us

Depending on your relationship with us, personal information collected may include:

• Contact information, such as your name, postal address, email address, telephone number, and fax number
• Social Security number, Federal Employer Identification number, and driver’s license number
• Other numbers and codes, such as an account number, policy number, producer code, client ID, DUNS Number and proprietary information such as a vehicle identification number
• Date of birth, gender, marital status, names of dependents
• Employment information, such as occupation, hire date, employee ID number, employment status, position, hours worked and income information, such as weekly wages
• Claims information, including information about injuries and treatment, names of witnesses and whether a violation was issued
• Risk information, such as whether an applicant has been convicted of certain crimes
• Questions, communications and other content you submit
• Information provided in conjunction with fraud reports, including the names of the persons involved
• ZurichNA.com login or access credentials, including username, password, access code and your answer to a security question, such as your mother’s maiden name
• Electronic signatures
• Job application information, including employment information and background checks
• Payment card information

Information We Collect by Automated Means

When you visit our Site, we may collect certain information by automated means, using technologies such as cookies, Web server logs and Web beacons. Cookies are files that websites send to your computer or other Internet-connected device to uniquely identify your browser or to store information or settings in your browser. Your browser may tell you how to be notified when you receive certain types of cookies and how to restrict or disable certain cookies. Please note, however, that without cookies you may not be able to use all of the features of our Site.

In conjunction with the gathering of information through cookies, our Web servers may log information such as your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. The Web server logs also may record information such as the address of the Web page that referred you to our Site and the IP address of the device you use to connect to the Internet. They may also log information about your interaction with this Site, such as which pages you visit.

To control which Web servers collect information by automated means, we may place tags on our Web pages called “Web beacons or "pixel tags", which are small files that link Web pages to particular Web servers and their cookies.

We may use third-party web analytics services on our Site, such as those of Google Analytics and Webtrends. These service providers use cookies and web beacons to help us analyze how users use the Site. The information collected by the cookies and Web beacons (including your IP address) will be disclosed to these service providers, who use the information to evaluate your use of the Site. We do not currently support Do Not Track signals but may in the future.

How We Use the Information We Collect

We may use the information we obtain about you for various purposes, including to:

• Provide, administer and communicate with you about products, services, events and promotions (including by sending you newsletters and other marketing communications)
• Provide and administer business tools
• Process, evaluate and respond to requests, inquiries, claims and applications
• Customize your experience with our Site, such as by providing personalized information
• Verify your identity
• Administer surveys and questionnaires
• Operate, evaluate and improve our business (including developing new products and services; managing our communications; performing market research and data analytics; determining and managing the effectiveness of our advertising and marketing; analyzing our products, services and websites; administering our websites; and performing accounting, auditing, billing, reconciliation and collection activities)
• Protect against and prevent fraud, unauthorized transactions, claims and other liabilities, and manage risk exposure and quality
• Evaluate your interest in employment and contact you regarding possible employment
• Conduct a background check as part of the hiring process
• Comply with and enforce applicable legal requirements, industry standards and our policies and terms, such as our Terms of Use
• Process a payment. We also may use the information in other ways for which we provide specific notice at the time of collection.

Sharing of Information

We may share personal information we collect with our service providers who perform services on our behalf. These service providers are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or comply with legal requirements. We also may share your information among our affiliates to send you information about products and services. We may share personal information we collect on the Site at your request. For example, if you use our Site to send information to a third party, we may identify you as the sender.

We also may disclose information about you (i) if we are required to do so by law or legal process, (ii) to law enforcement authorities, or (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity. We reserve the right to transfer personal information we have about you in the event we sell or transfer all or a portion of our business or assets. Should such a sale or transfer occur, we will use reasonable efforts to direct the transferee to use personal information you have provided to us in a manner that is consistent with our Privacy Notice.

Your Choices

We offer you certain choices about what personal information we collect from you, how we use that information, and how we communicate with you. Some areas of the Site provide features that allow you to access and update personal information you have provided there. Some areas contain features that permit you to register your communications preferences, such as by indicating your preference to receive information about particular types of products. You may visit the area of the Site where you provided personal information to learn if it provides these features. If it does not, you can contact us as described in the How to Contact Us section to update your preferences, ask us to remove your information from our mailing lists or submit a request.

How We Protect Personal Information

We maintain reasonable administrative, technical and physical safeguards designed to protect the personal information you provide against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use.

Protection of Social Security Numbers

We strive to protect the confidentiality of Social Security numbers we collect by employing reasonable safeguards seeking to (i) prohibit unlawful disclosure of Social Security numbers and (ii) limit access to Social Security numbers.

Links to Other Web Sites

The Site may provide links to other sites for your convenience and information. These websites may be operated by companies other than Zurich NA. Linked websites may have their own privacy policies, which we strongly suggest you review if you visit any linked websites. We are not responsible for the content of any websites that are not operated by us, any use of those websites, or the privacy practices of those websites.

Updates to Our Privacy Notice

This Privacy Notice may be updated periodically and without prior notice to you to reflect changes in our personal information practices or relevant laws. We will post a prominent notice on the site to notify you of any significant changes to our Privacy Notice and indicate at the top of the notice when it was updated.

How to Contact Us

If you have any questions or comments about this Privacy Notice, or if you would like us to update information we have about you or your preferences, please contact us as indicated below. If you are contacting us by email to request that we change or delete personal information that you submitted through our Site, please be sure to tell us which page or form on the Site you used to submit your information:

Zurich American Insurance Company
Attention: Privacy Office
1299 Zurich Way
Schaumburg, IL 60196
Privacy.office@zurichna.com
Fax: 1-866-276-6913

Except as regarding any action seeking equitable relief, including without limitation for the purpose of protecting any Zurich confidential information and/or intellectual property rights, any controversy or claim arising out of or relating to these Legal Terms or this Web Site shall be settled by binding arbitration in accordance with the commercial arbitration rules, in effect at the time the proceedings begin, of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in Chicago, Illinois USA.

All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorization of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorization of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.

Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator's decision and any award contained therein.

WHILE ZURICH HAS MADE EVERY EFFORT TO ENSURE THE ACCURACY OF THE INFORMATION PROVIDED IN THIS WEBSITE, YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. ZURICH SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE CONTENT (EVEN IF ZURICH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEBSITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEBSITE OR THE CONTENT. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.

You agree to indemnify and hold Zurich, and its parent, subsidiaries, affiliates, officers, agents, or other partners, and employees, harmless from any and all liabilities, claims, demands and expenses, including reasonable attorneys' fees, due to or arising out of your use or misuse of the Web Site, any services therein, or for infringement by you of intellectual property rights or other rights of any third party.  You may assume exclusive control of any defense or any matter subject to indemnification by you and you agree to cooperate with Zurich in such event.