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Best Bridge & Highway Insurance Firms in USA

Non-sponsored, Expert Verified and Transparently Ranked Bridge & Highway Insurance Firms in USA

Published: December 27, 2025 | Updated: December 28, 2025 | Verified by: Ted Scheiman & Rob Watts

Executive Summary

We analyzed 5 solutions. Top Recommendation: Embedded Insurance Solutions by Chubb scored highest due to Public owners and concessionaires of completed bridges, highways, and tunnels needing robust property and revenue protection for operational civil assets across dispersed locations..

Content Verification

15
Total Sources
December 28, 2025
Last Verified
100%
Evidence Coverage

Side-by-Side Comparison

Feature#1 Embedded Insurance Solutions (Chubb)#2 Risk Consulting (AXA XL)#3 Business Insurance Solutions (Liberty Mutual Business Insurance)#4 Business Insurance (Travelers)#5 Programs (ZProgramsMatch) (Zurich North America)
Best ForPublic owners and concessionaires of completed bridges, highways, and tunnels needing robust property and revenue protection for operational civil assets across dispersed locations.State DOTs, toll authorities, ENR 400 contractors, and project owners building or refurbishing bridges and highways seeking long-term builders risk capacity and specialized risk engineering support.Heavy-civil and transportation contractors managing multi-year bridge and highway programs who need master builders risk with consistent terms across numerous projects.General contractors and public owners undertaking bridge replacements or highway widening who want a national carrier with dedicated inland marine expertise for civil works.Sponsors, owners, and GCs delivering major bridge and highway programs who want centralized liability coverage and services across all enrolled contractors and subcontractors.
Coverage SpecificityIndividually tailored property cover for completed civil works, bridges, tunnels, dams, toll roads/turnpikes, rail structures and rolling stock, ports/piers/wharves, with options for loss of revenue/business interruption, debris removal, extra expense. Can insure single sites or large multi-risk systems; significant catastrophe peril capacity (earth movement, flood, windstorm, terrorism). (chubb.com)Highly specific by risk domain and sector: property loss prevention (fire, theft, natural hazards, machinery breakdown); construction CAR/EAR and third‑party exposures for heavy civil, industrial and infrastructure projects; energy sector property, construction and casualty exposures; plus site‑specific and portfolio natural‑catastrophe analysis/modeling. Based on PRC Guidelines aligned to international standards. (axaxl.com)Premier Protector Builder’s Risk covers single projects (> $50M) or master programs, with limits up to $500M per project. Occupancy included; standard extensions; options for hot testing and faulty workmanship; coverage for Named Storm, Earth Movement, Flood; Delay in Completion (time element) with income cover; flexible deductibles and dedicated per‑project limits. (business.libertymutual.com)Industry-specific coverage tailored to unique risks. (travelers.com) Builders’ Risk spans projects of any size, including bridges, stadiums and public-sector street/road work, with a broad form, project-specific or reporting options, tailored soft-cost limits (automatic $100k option), equipment breakdown, and location-based inclusion of flood/natural disaster. (travelers.com)Program-specific coverages tailored to niche industries. Examples: Builders Risk, Lawyers’ Professional Liability, Workers’ Compensation (hospitality, staffing), plus multi-line packages for community organizations (property, GL, professional, auto, umbrella, D&O, cyber). Availability and limits vary by program/state; access and inquiries via ZProgramsMatch to Program Administrators. (zurichna.com)
Integration of ServicesChubb Studio enables integration via APIs, mobile SDKs, and white‑label microsites, plus widgets/in‑path deployments. (studio.chubb.com) Partners get a single point of integration with a developer portal offering sandbox testing, onboarding tools, and dashboards. (news.chubb.com) Supports embedding both Chubb and third‑party products for secure, scalable, rapid deployments. (prnewswire.com)Integrated via client portals, Access@Risk (central risk-data/document library) and SiteForward (portfolio visualization, ratings, recommendations), plus digital Risk Scanning assessments. (axaxl.com) Risk engineering insights feed underwriting, accelerating quotes. (axaxl.com) A regional model co-locates underwriting, claims, risk and service teams for coordinated delivery. (axaxl.com)Integrated model: underwriting, risk control/risk engineering, account service, and dedicated inland‑marine claims teams collaborate on builders‑risk programs, providing coordinated prevention, coverage, and recovery support. (business.libertymutual.com) Digital Risk Control On‑Demand and SafetyNet resources complement field services for holistic risk management. (business.libertymutual.com)Integrated via MyTravelers for Business: a single portal to manage policies and billing, file/track claims, generate real-time certificates of insurance, access risk-management tools, and complete premium audits. (travelers.com) Services align across Risk Control, Claims, Premium Audit and RMIS with coordinated service plans and a single Customer Resource Group contact. (travelers.com)Wrap-up programs integrate claims management, risk engineering, IoT technology, and administrative services under one program. (zurichna.com) ZProgramsMatch routes agent inquiries directly to Program Administrators via the portal. (zurichna.com) Zurich Programs coordinates cross-functional support (risk tools via Zurich Resilience Solutions, IT, analytics, billing, compliance) to deliver programs. (zurichna.com)
Claims Management ExpertisePremium, embedded claims via Chubb Studio: 15+ million claims handled digitally per month, NPS 73, omni-channel intake, tech-led verification, and fast payouts to preferred accounts. (studio.chubb.com) Supported by global claims teams in 54 countries for local expertise. (chubb.com) Recognized for claims excellence (Gracechurch SQM 2024, UK Regional and London Markets). (news.uk.chubb.com)Dedicated claims specialist for each construction project coordinating all loss matters; experienced construction claims handling. (axaxl.com) Clients access claims information and benchmarking via the Construction Ecosystem, including Sedgwick analytics. (axaxl.com) Global FNOL and regional claims contacts enable rapid response. (axaxl.com)Dedicated in-house property claims specialists with deep construction experience focus on loss mitigation and reducing downtime, delivering a streamlined, end-to-end claims experience for Builder’s Risk projects. Premier Protector, Builder’s Risk is also supported by dedicated inland marine claims management professionals. (business.libertymutual.com)24/7/365 reporting; industry-specific claim units (construction, tech, oil & gas, inland marine, public sector) with local experts, plus global claim services. Data-driven handling (geospatial, medical analytics, predictive models) and specialized staff (nurses, investigators, counsel) speed fair resolutions, with digital tools like MyTravelers for Business for filing/status. (travelers.com) (travelers.com)Dedicated construction wrap-up claims specialists are strategically deployed; 24/7 Customer Care Center offers online FNOL and files required First Report of Injury forms. Predictive analytics and RiskIntelligence triage claims, guide reserves and flag risks. Digital payments via One Inc enable rapid ACH/Push-to-Debit/PayPal/Venmo payouts; dashboards/scorecards provide loss‑driver insights. (zurichna.com)
5 Companies Listed
Last Updated: December 28, 2025
chubb.com

ChubbCompany Information

Chubb is a global insurance company providing a range of insurance products for individuals, families, and businesses in the Benelux region. They offer various insurance solutions, including liability, property, cyber, and life sciences, as well as exclusive car insurance and masterpiece insurance for individuals.

Industry: Insurance
Type: public
Employees: over-10K
Founded: 1882
Location: Frankfurt am Main, HE
Revenue: over 1b
Stock: NYSE:CB (NASDAQ)
Phone: +49 69 75613 0

Keywords

insurance
liability
property
cyber
life sciences
exclusive cars
masterpiece
property and casualty
health insurance
reinsurance

Description

At Chubb, we deliver excellence in all we do, being there when you need us most. We provide exceptional service to our customers and business partners—it's who we are.

What They Do

Chubb provides insurance solutions for individuals, families, and businesses, including property, auto, travel, and embedded insurance.

Who They Serve

Individuals, families, businesses, agents, and brokers.

Key Value Propositions

Exceptional service
Customized coverage
Award-winning claims satisfaction

Target Customers

Individuals
Families
Businesses
Agents
Brokers

Industries Served

Insurance

Contact Information

Summary

Operational (completed works) property coverage tailored for large transportation and utility infrastructure. Protects bridges, tunnels, toll roads and similar civil works against physical damage with options for loss of revenue.

Key Features

  • Customizable insurance products for various industries and use cases
  • Integration options: microsite, widget, API
  • Chubb Studio® technology hub for agile, secure, and scalable integration
  • Fast quote delivery (98.5% of quotes returned in under a second)
  • Global reach (solutions available in 54 countries/territories)
  • Award-winning claims service
  • Support for both core and add-on insurance options

Key Benefits

  • Drives revenue and customer satisfaction by offering relevant insurance at the right moment
  • Seamless integration into existing customer experiences
  • Tailored coverage to meet specific customer and business needs
  • Speedy delivery and best-in-class claims experience
  • Enhances customer loyalty and brand goodwill
  • Strategic growth opportunity for businesses

Who Is It For

  • Digital platforms
  • E-commerce and retail businesses
  • Financial institutions and advisors
  • Travel and hospitality providers
  • Telecommunications companies
  • Home and living service providers
  • Gig economy and self-employment platforms
  • Small businesses seeking to offer insurance to their customers

Build revenue and customer satisfaction

Offering consumers relevant insurance when they need it drives business results and turns customers into loyalists. Chubb’s embedded insurance solutions are the seamless way to integrate customized coverage into what you already offer.

Embedded insurance. What is it and why do I need it?

Embedded insurance is coverage offered directly within the transaction flows of the products and services you sell. Many of today’s digital savvy consumers look for it as a core or add-on option. It provides solid protection for them and potential added revenue for you.

Why a Chubb insurance partnership?

As a global insurance leader, Chubb delivers insurance expertise, a disciplined process and unparalleled customer service for embedded insurance offerings. Coverage is tailored to your customers’ needs, delivered with speed and serviced by in a best-in-class claims experience.

  • #1 Personal insurer of successful families and individuals in the U.S.
  • #1 Commercial lines insurer in the U.S.
  • 98.5% of embedded insurance quotes are returned in under a second
  • $21B claims paid out globally (2023)
  • 2.5B API calls handled by Chubb Studio per year
  • 100% seamless integration of insurance coverage into your existing experiences

Vast experience, bespoke solutions

Chubb’s insurance partnership roster reflects experience in many industries across 54 countries/territories, where each solution is crafted to individual business needs and goals with precision.

  • Shopping & E-Commerce: High-value purchases need premium protection.
  • Home & Living: Embedded solutions for personal spaces, properties, and pets.
  • Gigs & Work 2.0: Insurance for side hustles, self-employment, and part-time gigs.
  • Financial Wellness: Insurance for consumers working with financial institutions and advisors.
  • Travel & Hospitality: Insurance protection for travel-related risks.

What we do adds value to what you do

Chubb Studio, our agile in-house tech hub, makes it easy to integrate coverage into your existing customer journey seamlessly, securely and at digital speed. Collaborate with our Chubb Studio Experts to get up and running quickly with a bespoke digital solution – from microsite to widget and API integration – that scales for the future.

Embedded insurance is evolving from nice-to-have to necessity

For businesses, embedded insurance delivers value by providing an intuitive and strategic growth opportunity. For customers, it offers a relevant service that improves satisfaction and cultivates loyalty. Dive deeper into our Financial Services survey results below.

Insurance partnership insights

Dive into real-world examples of Chubb’s successful insurance collaborations and learn how embedded insurance drives business growth through innovation.

  • Nubank: 40M customers gained access to Chubb insurance, 150k+ policies sold in 30 days.

Start your Chubb insurance partnership today

Simply get in touch and we’ll set up time to review a demo of how we can help you grow your business with our integrated coverage solutions. Our process is swift, our approach is collaborative and our standards are exacting.

Resources

Supporting Resources

Detailed Comparison

Coverage Specificity

Individually tailored property cover for completed civil works, bridges, tunnels, dams, toll roads/turnpikes, rail structures and rolling stock, ports/piers/wharves, with options for loss of revenue/business interruption, debris removal, extra expense. Can insure single sites or large multi-risk systems; significant catastrophe peril capacity (earth movement, flood, windstorm, terrorism). (chubb.com)

Integration of Services

Chubb Studio enables integration via APIs, mobile SDKs, and white‑label microsites, plus widgets/in‑path deployments. (studio.chubb.com) Partners get a single point of integration with a developer portal offering sandbox testing, onboarding tools, and dashboards. (news.chubb.com) Supports embedding both Chubb and third‑party products for secure, scalable, rapid deployments. (prnewswire.com)

Claims Management Expertise

Premium, embedded claims via Chubb Studio: 15+ million claims handled digitally per month, NPS 73, omni-channel intake, tech-led verification, and fast payouts to preferred accounts. (studio.chubb.com) Supported by global claims teams in 54 countries for local expertise. (chubb.com) Recognized for claims excellence (Gracechurch SQM 2024, UK Regional and London Markets). (news.uk.chubb.com)

Case Studies

Last Updated: December 28, 2025
axaxl.com

AXA XLCompany Information

AXA XL is a leading provider of P&C global commercial insurance offering insurance and reinsurance to enterprises of every kind and size. AXA XL helps you take your business further.

Industry: Insurance
Type: public
Employees: over-10K
Founded: 1986
Location: Hamilton, HA
Revenue: over 1b
Stock: XL (NYSE)
Phone: +1 800-327-1414

Keywords

commercial insurance
reinsurance
risk management
property insurance
casualty insurance
cyber insurance
insurance
business solutions
global presence

Description

AXA XL is the P&C and Specialty division of AXA, providing Re/Insurance to mid-sized and multinational companies, and some high-net-worth individuals.

What They Do

AXA XL provides insurance and reinsurance solutions, risk consulting, and innovative risk management services.

Who They Serve

Mid-sized and multinational companies, as well as high-net-worth individuals.

Key Value Propositions

Strong financial stability
Global scale
Flexibility in structuring programs
Technical expertise
Exceptional claims experience

What Customers Say

"AXA XL demonstrates strong financial stability and service capabilities while investing time to understand us, which are key criteria for us."

Risk Manager

"They take time to understand our business and needs and generally responsive to those. They do what we need everywhere we need it and do a good job of putting a team behind it."

Risk Manager

"AXA XL is much better than their peers on each of our carrier choice criteria: global scale, flexibility on how we structure programs, strong technical expertise and ability to execute all types of administrative actions."

Risk Manager

"AXA XL stands for partnership and continuity, always willing to be a partner and to provide solutions to ensure business continuity."

Risk Manager

"Their bench is deep, with lots of talented people, that are not just smart, but people you can enjoy spending time with and for some, even call them friends."

Risk Manager

"AXA XL stands for integrity, financial strength, care about customer, value personal relationship and long-term strategic partner."

Risk Manager

"AXA XL Claims is one of the most professional, courteous, and skilled teams I work with. Thank you!"

Broker

"AXA XL Claims professionals are always prompt in their responses and understanding in how a large company manages their claims."

Risk Manager

"From the first call to AXA XL claims, my experience was as positive and as pleasant as it could possibly be in these circumstances. Thank you!"

Insured

Target Customers

Mid-sized companies
Multinational companies
High-net-worth individuals

Industries Served

Architects & Engineers
Aviation & Aerospace
Construction
Consumer Goods & Services
Education & Public Entities
Energy
Entertainment & Leisure
Equine, Livestock & Aquaculture
Financial Services
Fine Art Insurance
Food & Beverage
Healthcare & Life Sciences
Manufacturing
Marine & Logistics
Professional Services
Real Estate
Technology
Transportation

Contact Information

Summary

First-party property coverage for large and complex construction, including infrastructure projects. Coverage can be project-specific or part of a master program and includes completed civil works such as bridges.

Key Features

  • Comprehensive risk consulting services across multiple industries and geographies
  • Specialized consulting in areas such as casualty, construction, cyber, environmental liability, fire, machinery breakdown, marine, motor fleet, natural hazards, catastrophe loss modeling, property loss prevention, energy sector, supply chain, and transport/logistics
  • Customer portals and digital tools for risk management (SiteForward, Access@Risk)
  • Client resources including training, permits, and guidelines
  • Property Risk Consulting Guidelines (PRC Guidelines) based on international standards

Key Benefits

  • Access to a global network of nearly 400 risk consultants
  • Industry experience averaging 17+ years per consultant
  • Risk consulting know-how averaging 20+ years
  • Support in 26 countries and 24 languages
  • Improved business competitiveness and operational excellence
  • Enhanced risk profile and mitigation strategies

Who Is It For

  • Mid-sized and multinational companies
  • Some high-net-worth individuals
  • Businesses seeking to manage and mitigate operational, property, and specialty risks

Risk Consulting

The world becomes increasingly complex, unpredictable and inter-connected. To manage and mitigate the risks your business faces you need a strong global partner.

Risk Consulting

We're a partner you can rely on to help make your business more competitive, improve your risk profile and achieve operational excellence.

  • Close to 400 risk consultants
  • Industry experience: 17+ years on average
  • Risk consulting know-how: 20+ years
  • Located in 26 countries
  • 24 languages spoken

Risk mitigation just got easier

SiteForward, our risk management customer portal, helps clients make critical risk management decisions by turning data into graphical reports and actionable knowledge at the touch of a button.

SiteForward

SiteForward, our risk management customer portal, helps clients make critical risk management decisions by turning data into graphical reports and actionable knowledge.

Client Resources and Training

AXA XL Risk Consulting offers services ranging from tangible resources such as Hot Work Permits, Impairment Handling Materials to training opportunities involving a full-scale fire equipment laboratory to a newly enhanced eLearning portal delivering a suite of courses on risk improvement and property conservation.

Access@risk

Access@Risk is a secure web-based platform dedicated to risk consulting clients. It is the information database and virtual library where all documents and relevant risk data are available for the client.

Property Risk Consulting Guidelines

PRC Guidelines provide AXA XL Risk Consulting’s philosophy of and interpretations to various internationally recognized standards dealing with all types of property loss prevention subjects.

Documents

  • AXA XL Risk Consulting Brochure APAC & Europe EN
  • Risk Consulting Overview NA Infosheet AXA XL

Resources

Supporting Resources

Detailed Comparison

Coverage Specificity

Highly specific by risk domain and sector: property loss prevention (fire, theft, natural hazards, machinery breakdown); construction CAR/EAR and third‑party exposures for heavy civil, industrial and infrastructure projects; energy sector property, construction and casualty exposures; plus site‑specific and portfolio natural‑catastrophe analysis/modeling. Based on PRC Guidelines aligned to international standards. (axaxl.com)

Integration of Services

Integrated via client portals, Access@Risk (central risk-data/document library) and SiteForward (portfolio visualization, ratings, recommendations), plus digital Risk Scanning assessments. (axaxl.com) Risk engineering insights feed underwriting, accelerating quotes. (axaxl.com) A regional model co-locates underwriting, claims, risk and service teams for coordinated delivery. (axaxl.com)

Claims Management Expertise

Dedicated claims specialist for each construction project coordinating all loss matters; experienced construction claims handling. (axaxl.com) Clients access claims information and benchmarking via the Construction Ecosystem, including Sedgwick analytics. (axaxl.com) Global FNOL and regional claims contacts enable rapid response. (axaxl.com)
3Liberty Mutual Business Insurance logo
Liberty Mutual Business Insurance
Last Updated: December 28, 2025
business.libertymutual.com

Liberty Mutual Business InsuranceCompany Information

Industry: Construction
API: No

Description

As businesses evolve, they need a stable, adaptive insurer that is always looking ahead. We provide comprehensive, tailored business insurance solutions with expertise and care to help protect your people, property, and reputation.

What They Do

Provide comprehensive and tailored business insurance solutions

Who They Serve

Businesses of all sizes and individuals seeking personal insurance

Key Value Propositions

Comprehensive coverage
Tailored solutions
Expertise in risk management

Target Customers

Small businesses
Mid-size businesses
Large enterprises

Industries Served

Construction
Energy
Financial institutions
Healthcare
Manufacturing
Private equity
Professional services
Public entities
Real estate
Sharing economy & new mobility
Technology
Wholesale-distribution

Contact Information

Summary

Flexible builders risk solutions for single projects and master programs, spanning complex onshore construction. Capabilities extend to dams and bridges, with options via the Premier Protector, Builder’s Risk form.

Key Features

  • Customizable insurance products
  • Broad suite of coverages
  • Support from trusted advisers and industry leaders
  • Claims and risk management services

Key Benefits

  • Tailored insurance solutions for specific business needs
  • Access to industry expertise and in-depth underwriting
  • Expert claims handling
  • Risk control support
  • Comprehensive coverage options across multiple industries

Who Is It For

  • Businesses of all sizes
  • Industries including construction, energy, financial institutions, healthcare, manufacturing, private equity, professional services, public entities, real estate, sharing economy & new mobility, technology, wholesale-distribution

Commercial insurance solutions

Tailored solutions for your business.

Partners in business protection

Problem-solvers. Trusted advisers. Industry leaders. However you think of us, we’re always striving to do more for our customers. We are here to help your business thrive by providing a broad, protective suite of coverages tailored specifically to your needs. With an emphasis on in-depth underwriting, industry expertise, expert claims handling, and risk control support across a spectrum of industries, we work together to design the right solutions to help protect your business and keep it moving forward.

Resources

Supporting Resources

Detailed Comparison

Coverage Specificity

Premier Protector Builder’s Risk covers single projects (> $50M) or master programs, with limits up to $500M per project. Occupancy included; standard extensions; options for hot testing and faulty workmanship; coverage for Named Storm, Earth Movement, Flood; Delay in Completion (time element) with income cover; flexible deductibles and dedicated per‑project limits. (business.libertymutual.com)

Integration of Services

Integrated model: underwriting, risk control/risk engineering, account service, and dedicated inland‑marine claims teams collaborate on builders‑risk programs, providing coordinated prevention, coverage, and recovery support. (business.libertymutual.com) Digital Risk Control On‑Demand and SafetyNet resources complement field services for holistic risk management. (business.libertymutual.com)

Claims Management Expertise

Dedicated in-house property claims specialists with deep construction experience focus on loss mitigation and reducing downtime, delivering a streamlined, end-to-end claims experience for Builder’s Risk projects. Premier Protector, Builder’s Risk is also supported by dedicated inland marine claims management professionals. (business.libertymutual.com)
Last Updated: December 28, 2025
travelers.com

TravelersCompany Information

Travelers is a leading provider of insurance solutions, offering a wide range of personal and business insurance products to protect individuals, families, and businesses from various risks. With over 160 years of experience, Travelers is committed to helping its customers manage risks and achieve their goals.

Industry: Insurance
Type: public
Employees: over-10K
Founded: 1853
Location: Hartford, CT
Revenue: over 1b
Stock: TRV (NASDAQ)
Funding: $388.5M
Phone: 1-800-252-4633
API: No

Keywords

insurance
personal insurance
business insurance
risk management
financial protection
property casualty
coverage
home insurance
auto insurance

Description

Travelers provides a wide range of insurance products and services for individuals, families, and businesses, helping them manage risks and protect their assets.

What They Do

Travelers offers insurance products and services for personal and business needs, including auto, home, and commercial insurance.

Who They Serve

Individuals, families, and businesses across various industries.

Key Value Propositions

Comprehensive insurance solutions
Expertise in risk management
Strong customer support

Target Customers

Individuals
Families
Small Businesses
Large Corporations

Industries Served

Insurance
Financial Services

Contact Information

Summary

Builders’ risk coverage for construction projects of any size, including bridges and public sector street and road work. Offers broad forms and services to keep projects moving despite unexpected events.

Key Features

  • Commercial auto & trucking insurance
  • Cyber insurance
  • General liability insurance
  • Management and professional liability insurance
  • Property insurance
  • Business owner's policy (BOP)
  • Surety bonds
  • Workers compensation insurance
  • Business income and extra expense insurance (BIEE)
  • Personal liability insurance
  • Professional liability insurance
  • Risk control and claims services
  • Premium audit and risk management information services

Key Benefits

  • Wide range of customizable insurance options to address unique business risks
  • Helps manage claim costs and recover faster after unexpected events
  • Supports business continuity and risk management strategies
  • Financial strength and reliability (A.M. Best A++ rating for claims-paying ability)
  • Access to industry expertise and risk control services
  • Self-service tools for policy management and claims

Who Is It For

  • Small businesses
  • Large businesses
  • Multinational companies
  • Industry-specific businesses (e.g., construction, manufacturing, healthcare, technology, transportation, real estate, education, food services, hospitality, financial institutions, energy, auto and truck dealers, wholesale & distribution, nonprofit, public entities, marine industries, museums & fine art, propane gas distributors, equipment dealers & rentals, architects & design professionals, agribusiness, life sciences)

Commercial and Business Insurance

Travelers offers a wide range of business insurance options to help companies identify and reduce risks, manage claim costs, and recover faster after unexpected events.

Small business

Coverage and resources tailored for small businesses, including bundled policies and self-service tools.

Reducing risk with business insurance

Travelers helps businesses manage the total cost of risk, creating a competitive advantage and supporting business growth.

Industries

Coverage is available for a wide range of industries, with tailored solutions for each.

  • Auto and truck dealers
  • Construction
  • Education
  • Energy and renewable
  • Financial institutions
  • Food services
  • Healthcare
  • Hospitality and recreation
  • Manufacturing
  • Real estate
  • Technology
  • Transportation

Products & solutions

A variety of insurance products designed to protect businesses, including commercial auto, cyber, general liability, management and professional liability, property, BOP, surety bonds, and workers compensation.

  • Commercial auto & trucking
  • Cyber
  • General liability
  • Management and professional liability
  • Property
  • Small business owner's policy
  • Surety bonds
  • Workers compensation

Services

Customized protection and services based on business exposures, including risk control, claims, premium audit, and risk management information services.

  • Risk Control
  • Claims
  • Premium audit
  • Risk Management Information Services

Essential coverages

Key coverages for small businesses, including BOP, workers compensation, cyber risk, personal liability, professional liability, business income and extra expense, and general liability.

  • Business owner’s policy
  • Workers compensation insurance
  • CyberRisk insurance
  • Personal liability insurance
  • Professional liability insurance
  • Business income and extra expense insurance (BIEE)
  • Commercial general liability

Business insurance fundamentals

Business insurance is critical for protecting against property loss, legal claims, and employee injuries. Some coverages are required by law.

How much does business insurance cost?

Cost depends on types of insurance, coverage limits, industry, location, size, and exposures. International operations may require additional coverage.

Travelers advantage

Travelers is rated A++ by A.M. Best for claims-paying financial strength.

Resources

Supporting Resources

Detailed Comparison

Coverage Specificity

Industry-specific coverage tailored to unique risks. (travelers.com) Builders’ Risk spans projects of any size, including bridges, stadiums and public-sector street/road work, with a broad form, project-specific or reporting options, tailored soft-cost limits (automatic $100k option), equipment breakdown, and location-based inclusion of flood/natural disaster. (travelers.com)

Integration of Services

Integrated via MyTravelers for Business: a single portal to manage policies and billing, file/track claims, generate real-time certificates of insurance, access risk-management tools, and complete premium audits. (travelers.com) Services align across Risk Control, Claims, Premium Audit and RMIS with coordinated service plans and a single Customer Resource Group contact. (travelers.com)

Claims Management Expertise

24/7/365 reporting; industry-specific claim units (construction, tech, oil & gas, inland marine, public sector) with local experts, plus global claim services. Data-driven handling (geospatial, medical analytics, predictive models) and specialized staff (nurses, investigators, counsel) speed fair resolutions, with digital tools like MyTravelers for Business for filing/status. (travelers.com) (travelers.com)
5Zurich North America logo
Zurich North America
Last Updated: December 28, 2025
zurichna.com

Zurich North AmericaCompany Information

Zurich North America is a leading insurance provider specializing in commercial property and casualty insurance services. With a focus on delivering risk management solutions, they cater to a diverse range of industries and businesses across North America.

Industry: Insurance
Type: public
Employees: 5K-10K
Founded: 1912
Location: Schaumburg, IL
Revenue: over 1b
Stock: ZUR (NYSE)
Phone: +1 800-382-2150
API: No

Keywords

insurance
property insurance
casualty insurance
risk management
commercial insurance

Description

Zurich provides specialized commercial insurance for various industries, ensuring your business is well-protected with individualized solutions.

What They Do

Specialized commercial insurance services across multiple industries.

Who They Serve

Businesses in various sectors including automotive, construction, healthcare, and more.

Key Value Propositions

Customized insurance solutions
Strong claims management
Industry-specific expertise

Target Customers

Business owners
Brokers
Industry professionals

Industries Served

Automotive
Construction
Energy
Federal Government Contractors
Financial Institutions
Healthcare
Hotels
Manufacturing
Marine
Professional Services
Real Estate
Retail
Technology
Travel
Wholesale

Contact Information

Social Media

Summary

Owner- or contractor-controlled wrap-up programs consolidating workers’ compensation and general liability for large, multi-year construction projects. Supported by claims management, risk engineering, IoT services, and administration.

Key Features

  • Online portal (ZProgramsMatch.com) for program discovery and inquiries
  • Directory of specialty insurance programs by industry and risk type
  • Direct submission of inquiries to Program Administrators
  • No impact on other Zurich commission or profitability agreements
  • Program Leader Magazine for industry news and updates

Key Benefits

  • Access to a wide range of industry-specific insurance programs
  • No Zurich appointment required to access or submit inquiries
  • Direct connection to knowledgeable Program Administrators
  • Programs underwritten by Zurich, an A.M. Best A+ rated company
  • Streamlined inquiry and application process
  • Regular updates on new and existing programs via email signup

Who Is It For

  • Licensed P&C insurance agents (no Zurich appointment required)
  • Independent agents and brokers
  • Program Administrators
  • Managing General Agents (MGAs)
  • Businesses and organizations seeking specialty or industry-specific insurance solutions

Resources

Supporting Resources

Detailed Comparison

Coverage Specificity

Program-specific coverages tailored to niche industries. Examples: Builders Risk, Lawyers’ Professional Liability, Workers’ Compensation (hospitality, staffing), plus multi-line packages for community organizations (property, GL, professional, auto, umbrella, D&O, cyber). Availability and limits vary by program/state; access and inquiries via ZProgramsMatch to Program Administrators. (zurichna.com)

Integration of Services

Wrap-up programs integrate claims management, risk engineering, IoT technology, and administrative services under one program. (zurichna.com) ZProgramsMatch routes agent inquiries directly to Program Administrators via the portal. (zurichna.com) Zurich Programs coordinates cross-functional support (risk tools via Zurich Resilience Solutions, IT, analytics, billing, compliance) to deliver programs. (zurichna.com)

Claims Management Expertise

Dedicated construction wrap-up claims specialists are strategically deployed; 24/7 Customer Care Center offers online FNOL and files required First Report of Injury forms. Predictive analytics and RiskIntelligence triage claims, guide reserves and flag risks. Digital payments via One Inc enable rapid ACH/Push-to-Debit/PayPal/Venmo payouts; dashboards/scorecards provide loss‑driver insights. (zurichna.com)

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Our Ranking Methodology

How we rank these offerings

We ranked these Bridge & Highway Insurance Firms in USA based on three key factors: Coverage Specificity (40% weight), Claims Management Expertise (35% weight), and Integration of Services (25% weight). Embedded Insurance Solutions scored highest because it offers a highly tailored coverage for completed civil works with extensive claims management integration and robust service integration capabilities.

Ranking Criteria Weights:

40%
Coverage Specificity
Specificity in coverage ensures that unique and comprehensive protection is available for diverse bridge and highway projects.
35%
Claims Management Expertise
Efficient claims management is crucial to minimizing disruptions and ensuring timely financial compensation.
25%
Integration of Services
Service integration allows for streamlined operations, which is vital for large-scale infrastructure projects.
Rankings last updated: 12/28/2025

Frequently Asked Questions

What are the typical cost models for bridge and highway insurance in the USA?
Typical cost models for bridge and highway insurance in the USA vary depending on the scope and type of coverage selected. For example, Risk Consulting offers first-party property coverage that can be project-specific or part of a master program, allowing for tailored pricing based on the complexity and duration of projects. Embedded Insurance Solutions offer operational property coverage that may include additional costs for options such as loss of revenue protection. Programs like those from ZProgramsMatch, which consolidate workers’ compensation and liability, typically operate on a cost model that reflects the aggregated risk, potentially leading to overall cost savings.
What are key selection criteria for choosing a bridge and highway insurance firm?
Key selection criteria include the ability to provide comprehensive coverage options such as builders’ risk and completed works property coverage. Business Insurance Solutions, for example, offer flexible builders’ risk solutions that are critical for complex projects like dams and bridges. Additionally, assessing a firm’s capability to support projects with ancillary services like risk engineering and claims management, as offered by ZProgramsMatch, is crucial for mitigating potential losses. Evaluating the firm's history of service delivery and customer support is also essential.
What industry standards and compliance requirements must be considered in bridge and highway insurance?
Industry standards and compliance for bridge and highway insurance often involve adherence to state-specific construction insurance regulations and ISO standards. Companies like Business Insurance and Embedded Insurance Solutions tailor their offerings to meet these requirements by including comprehensive builder’s risk and operational coverage compliant with industry norms. Additionally, firms may include services such as risk assessment and IoT integration to better align with safety and compliance regulations, thus enhancing project protection.
What are common implementation challenges and their solutions in bridge and highway insurance?
Common challenges include adapting coverage to match large-scale and complex infrastructure needs, ensuring comprehensive risk assessment, and integrating new technologies. Solutions offered by companies such as Business Insurance include broad form coverage and dedicated services to manage unexpected events, keeping construction on schedule. ZProgramsMatch provides wrap-up programs that integrate IoT and risk engineering services to mitigate these challenges by offering proactive approaches to risk management and incident response.
How do bridge and highway insurance firms deliver ROI and value?
Firms deliver ROI by minimizing risk exposure through tailored coverage plans that safeguard against common infrastructure risks, thus reducing potential financial losses. For instance, services like those from Embedded Insurance Solutions that protect against physical damage and loss of revenue ensure project continuity and financial stability. Additionally, programs consolidating workers’ compensation and liability can lead to significant administrative and financial efficiencies, as offered by ZProgramsMatch, thereby enhancing project profitability.

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