Zurich has insured tractor trailers (18 wheelers) as well as a Hyatt Hotel in the cases that I have had against them in Florida.
Good Reputation for Paying Injury Claims.
Florida insurance companies have different reputations for paying injury claims. I give Zurich an above average rating.
In a slip and fall at a hotel claim that I had with them, they initially offered nothing. But once I provided them with an affidavit of a witness they increased their offer to $18,000.
Zurich Pays $100,000 to Settle; Driver Claims Crash Caused Herniated Disc
A driver of car t-boned an 18 wheeler tractor-trailer. The accident happened in Homestead, Miami-Dade County, Florida.
(All settlements on this blog are before deduction for attorney’s fees and expenses. Most cases result in a lower recovery. It should not be assumed that your case will have as beneficial a result.)
The driver of the car claimed that this accident caused or worsened his herniated disc. Below is a picture of the damage to his car.
Zurich Insurance Company insured the truck. Thankfully a relative of my client took pictures of the damage to the vehicles.
Zurich paid $100,000 to settle this case. I represented the driver of the car.
Zurich Pays $45,000 of $70,000 Settlement; Lyft Passenger Claims Accident Caused Wrist and Other Injuries
See a $70,000 settlement for a Lyft passenger who was hurt in a crash. The passenger claimed the crash caused or aggravated his neck, back, wrist and ankle injuries.
Zurich insured the Lyft car while it was being used through the Lyft app. Zurich paid $45,000 from its underinsured motorist insurance coverage.
GEICO insured the other car , and paid $25,000 of the $70,000 settlement.
York Risk Services Group handled the claim for Zurich. I represented the passenger in both injury claims.
Zurich Settles for $23,000; Guest Slip and Falls at Hyatt Hotel in Doral, Fl
A woman who slipped and fell in a cafeteria at a Hyatt Place hotel in Doral, Florida. She claimed that the fall caused or aggravated her quadriceps tears.
$18,000 of the settlement was for personal injury, and $5,000 paid under the “medical payments” coverage in the policy. Zurich insured the hotel.
My Actual Settlement: $18,000 Settlement where our client suffered soft tissue injuries after an 18 wheeler hit him. Zurich used Cybersettle to settle the case.
Zurich Insurers Lyft Ridesharing Cars
Zurich insures Lyft Ridesharing vehicles in Florida. However, Zurich uses third party administrator York Risk Services Group (“York”) to manage Lyft car accident Claims.
So for example, if you’re a Lyft passenger who was hurt when the driver of the other car caused the crash, you may end up dealing with York.
Who does Zurich insure in Florida?
Some businesses that Zurich insures in Florida are;
Auto Rental
Zurich offers auto liability coverage to rental car businesses. They also sell supplemental liability insurance.
If purchased, Supplemental Liability Insurance (SLI) protects the renter against claims made by a third party for bodily injury and/or property damages sustained as a result of an accident while the renter is operating a rental vehicle. Zurich has a dedicated claims support available 24/7.
Zurich’s commercial auto class provides coverage to not-for-hire motor vehicle operations. Our broad appetite includes truckers, contractors, retail delivery, courier services, armored cars, wholesale distribution and mobile businesses, such as food vendors and mobile medical.
Commercial Auto
Zurich insures truckers, contractors, retail delivery, courier services, armored cars, wholesale distribution, mobile food vendors and mobile medical. They insure:
- Business Auto
- Motor Truck Cargo
- Dump Trucks
- Garbage Trucks
- Petroleum Haulers
Education
In Florida, Zurich insures:
- public schools,
- private schools,
- charter schools,
- vocation/technical trade schools,
- business schools, and
- two-year colleges without dormitories.
The coverages they offer for education industry are:
- property,
- general liability,
- automobile,
- inland marine,
- crime,
- equipment breakdown,
- workers’ compensation,
- educators’ legal liability,
- employers’ practices liability,
- umbrella, and
- environmental impairment liability.
Professional Services
In Florida, some of the professional services that Zurich insures are:
Day Spas, Salons
Learn more about personal injury claims against spas and day salons in Florida.
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Entertainers
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Security Guards, Alarm Installers
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Tattoo Studios
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Tour Operators
They offer automobile liability, general liability and workers’ compensation insurance.
They insure hospitality including gaming, food manufacturing, restaurants, retailers, trucking and transportation.
It is my understanding that Zurich insures the Hard Rock hotel in Florida for up to $1,000,000 in bodily injury damages.
On at least one past occasion, the Gray Robinson law firm has defended the Hard Rock.
Golf and Country Clubs, Resorts and Management Companies
Zurich also insures golf and country clubs, golf resorts and golf management companies. Zurich’s coverage options for golf and country clubs, resorts and management companies include:
- General liability
- Automotive liability
- Umbrella and excess liability
- Workers’ compensation
Many different types of accidents can happen at a golf and country club in Florida.
One of the most common is someone falling down and getting hurt. Sometimes a golf or country club’s negligence causes these falls.
For example, a step on a staircase may break. When this happens, the golf or country club should place a warning sign next to the step.
The club should immediately block of this area. They should fix the step as soon as possible.
If a Florida golf and country club fails to warn and fix the hazard, an injured person may have a premises liability claim against the golf and country club. The victim may be able to recover his or her damages.
Learn more about Florida golf and country club accident claims.
The careless party should be enough insurance to pay for your damages.
Similar to some other commercial insurers, Zurich generally issues liability policies of at least $1 Million in coverage.
This is particularly good news if you are in an auto accident in Florida, where bodily injury liability coverage is not required on most personal vehicles.
In 99% of injury cases, $1 Million dollars should be more than enough to cover the damages.
Can Zurich afford to pay your claim?
Zurich has plenty of money to pay your injury claim. But their insured needs to have adequate coverage in order for them to be liable. You should not feel guilty making a claim with Zurich because they currently worth around $44 Billion.
You do not have to worry about them filing for bankruptcy or receivership anytime soon.
Zurich Current News Releases
On April 17, 2014 Zurich in North America issued a news release. It said that two of the big reasons that increase bodily injury claim costs are whether a lawsuit is filed, and if the victim has surgery.
Is Zurich American Insurance Company a big Florida Insurer?
Yes. Some statistics are below.
Commercial Multiple Peril (Liability Portion)
Commercial Multiple Peril Liability is an insurance policy that provides liability coverage for businesses and other organizations.
Let’s assume you are hurt at a hotel, office space, retail store, condominium or apartment building. If the owner or manager’s negligence caused your injury, you would make a claim with their Commercial Multiple Peril Liability insurance policy.
If Zurich was their insurer, it would pay for your damages caused by its insured’s carelessness.
Per the 2014 FLOIR Annual Report, Zurich American Insurance Company’s written premiums were $9,625,784. Its market share was 1.7%
Workers’ Compensation
Per the 2014 FLOIR Report, American Zurich Insurance Company was the 15th largest Florida Workers’ Compensation insurer. Its written premiums were $40,726,288.
Written premiums refer to the amount of premiums customers are required to pay for insurance policies written. Zurich insured 1.8% of all Florida workers compensation policies.
There were no consumer complaints filed against American Zurich Insurance Company.
Who are Zurich Insurance Company’s biggest competitors in Florida?
Zurich’s biggest competitors in Florida are GEICO, Allstate, AIG, The Hartford and more.
What are the legal names for which Zurich issue policies as in Florida?
Zurich also issues casualty policies in Florida under the following names:
- American Zurich Insurance Company
Zurich American Insurance Company of Illinois
It is important to know the actual Zurich entity with whom you are dealing.
If Zurich is delaying your settlement or not making a good faith offer, then you need to make sure that you are naming the proper entity in order to file a valid consumer complaint or a civil remedy.
Did someone’s carelessness cause your injury in an accident in Florida, or on a cruise or boat?
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Our Miami law firm represents people anywhere in Florida if someone’s carelessness caused their injuries in car accidents, truck accidents, slip, trip and falls, motorcycle accidents, bike accidents, drunk driving crashes, pedestrian accidents, store or supermarket accidents, wrongful death, accidents at an apartment complex, condo building or home, accidents involving a Uber or Lyft Driver, and many other types of accidents.
We want to represent you if you were hurt in an accident in Florida, on a cruise ship or boat. If you live in Florida but were injured in another state we may also be able to represent you.
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Editor’s Note: This post was originally published in July 2014 and has been completely revamped and updated.