Zurich North America

Zurich North America commands $2.8B in WC premiums through loss-sensitive structures like large deductible and retrospective programs, which serve multinational corporations managing self-insured retentions above $500,000 per occurrence. Its risk engineering team conducts 1,200 on-site workplace safety assessments annually, identifying hazards that reduce claim frequency by 22% when corrected—a performance that is 3 percentage points better than the average for national carriers offering similar services. Zurich's average deductible program costs are 12% lower than #3 Liberty Mutual's guaranteed cost programs for comparable large accounts.