Zurich Claims

File a claim online


Zurich is centered around our commitment to help our customers at the moments that matter most—and usually those moments involve a claim. Putting customers at the heart of all we do is why so many of them cite our claim service as the reason they chose Zurich—and why they stay with us.

Frequently Asked Questions

How do I locate my claims professional?

  • Simply contact your assigned Claims Professional.
  • Please be advised that it may take up to 24 hours for a claims professional to be assigned to your claim. 
  • Customers can use our interactive voice response (IVR) solution to retrieve and review information in addition to being able to contact their Zurich claims professional from anywhere in the country. To initiate the process, call 800-987-3373 and take the following steps:

If you know your claim number, select option #2 – existing claim.
Next, select option #1 and enter your claim number.

  • The IVR system will verify the date of loss and provide the handling office and name and contact information of the assigned claims professional.
  • The system will then automatically transfer you to your Zurich claims professional.
  • If you don’t know your claim number, select option #2. You will then be prompted to select option #2
  • The system will transfer you to a Zurich representative who will provide the file number, assigned office, claims professional’s name and direct dial number.
  • Once the information is relayed, your call will be forwarded directly to the claims professional.

How do I report updates or changes to an existing claim?

  • To obtain claim details, including your claim representative's name and contact information. You will need your Zurich claim number and the date the loss occurred. Claims Professional Locator
  • Simply contact us by phone at (800) 987-3373 and choose Option # 2 to be directly routed to your assigned claims professional. Be sure to have your claim number available to expedite the process.
  • If you have additional supporting documentation for your claim, notate your claim number on the document and fax to (877) 962-2567.
  • You may also scan and send your documents via email to usz.zurich.claims.documents@zurichna.com.

What if I have a claim-related question?

  • If you have not filed a claim, and have general questions, please contact your broker/agent or contact your local Zurich North American Claim Office.
  • If you have a question regarding your medical bill payment for your Workers’ Compensation claim, please contact the Medical Provider Hotline at (719) 590-8719 for further assistance.
  • If you have a non-claim related question you may call (800) 987-3373 and select option 3.

Claim types

Accident and health

Claims reporting needs and preferences vary by Accident and Health customer. No matter the date or time, we offer you the flexibility to report your specific A&H claims around the clock 365 days a year. Multiple reporting channels deliver flexibility and convenience by product listed below.

Please follow reporting method that suits your need and preference:

Occupational accident - Report a claim

Corporate accident accidental death and dismemberment - report a claim

Medical stop loss - Report a claim

Group sponsored special risk - Report a claim

Base only or base plus catastrophic student accident - Report a claim

  • Claims Administered by: Administrative Concepts Inc., 994 Old Eagle School Road, Suite 1005 -Wayne, PA 19087-1802
  • toll Free: 888-293-9229 or 610-293-9229
  • www.visit-aci.com

Catastrophic only student accident - Report a claim

Automobile and trucking


  • Claim complexity matched with claims professional with industry experience
  • After hours emergency response service on catastrophic losses
  • A fact-based evaluation and reserving tool used on all bodily injury claims above our minimum threshold

Additional Services available to qualified customers

  • Major case unit that provides best in class large loss expertise
  • Mechanical Claims unit ready to investigate mechanical failures
  • Dedicated total loss and salvage teams
  • Zurich nurse case managers available for consultation on catastrophic injuries
  • A network of staff attorneys in strategically located field offices


Our dedicated general liability claims professionals understand the types of liability exposures your large business faces, the impact they have on your business and how to best minimize them through effective claim handling.


  • After hours emergency response service on catastrophic losses
  • Major Case Unit team draws on technical expertise to handle the largest and most complex claims
  • Claim complexity matched with claim professional and industry experience


  • National network of experienced trial attorneys in strategically located Zurich Staff Legal field offices
  • Mechanical Claims unit ready to investigate mechanical failures
  • Zurich nurse case managers available for consultation on catastrophic injuries
  • Zurich Risk Intelligence® and Risk Image® systems can let you monitor claim activity
  • National network of vendors available to assist you at the time of your loss

Specialty lines

Because sometimes only a specialist will do

Zurich’s team of highly skilled claims specialists collaborates closely with underwriters, actuaries and risk engineers to ensure consistent service delivery, ease of doing business and a more responsive coverage solution.

Some of the key product areas our Specialty Claims Professionals serve include:

  • Accident and health
  • Surety
  • Healthcare
  • Umbrella
  • Management liability


Where real help means a fast response

Zurich property specialists understand the ripple effects that property damage can cause your business. Our claim services are designed to resolve claims promptly and get your business back to normal operations as quickly as possible.


We have special teams for particular customer segments
  • Construction
  • Healthcare
  • International
  • Religious
  • Risk Managed
  • Automobile related
  • Hospitality
  • Marine
  • Energy
  • Permanent Catastrophe staff
  • General adjusters to handle catastrophic losses

Additional Services available to qualified customers

  • At claim intake, direct assignments made to appropriate vendors and claim professionals
  • Network of Zurich approved mitigation service providers
  • Staff Forensic Accounting unit to assist in expediting resolution of claim

Workers' compensation

Service you'd expect from a market leader

Zurich is one of the industry-leading providers of workers’ compensation adept at navigating the complexities of the national workers' compensation system. Our experience working with workers’ compensation claims translates to more comprehensive claims services. And our size, scale and paperless claims environment make it possible for us to tailor our services to your needs.


  • Claim complexity and industry experience matched with claim professional.
  • After hours emergency response service on catastrophic losses.
  • Major Case Unit teams draws on technical expertise to handle the largest and most complex claims.

Additional Services available to qualified customers

  • National network of experienced trial attorneys in strategically located Zurich Staff Legal field offices.
  • Zurich nurse case managers to aid in loss cost reduction.
  • eZTransition—our web-based tool that helps customers develop effective return-to-work strategies.
  • Our Zurich Risk Intelligence® and Risk Image® systems let you monitor claim activity.
  • Online C.a.r.e.® Directory
  • National network of vendors available to assist you at the time of your loss

Workers' Compensation State Claims Reporting Forms
DBL - Defense Based Labor
USLH - US Longshore and Harbor Workers Act
A1A - Generic State Form
Work Comp - Timely Reporting Fact Sheet

Claim services

Zurich is centered on our commitment to our customers, particularly at the moments that matter most. Putting customers at the heart of everything we do is why so many of them cite our claims service as the reason they chose Zurich—and why they stay with us.

Claims reporting Care Center

Zurich-owned and operated, our Care Center is fast, fair and efficient to ensure our customers get a premier level of care and attention. Highly trained customer care specialists are on hand to help you 24/7 by phone, online, fax or email. We respond quickly and use our immediate assignment system to match the complexity and type of your claim to a claims professional that has the exact combination of industry experience and skills to best handle your claim.

Legal services

Zurich helps ensure your business receives excellent legal representation, whether through our Staff Legal Services or outside counsel, working with you for the reduction of both indemnity and expense costs associated with litigation.

Zurich legal services include:

Legal Bill Review: Zurich’s legal bill auditors review legal bills to ensure charges follow our litigation management guidelines that coincide with industry standards. Our process is a streamlined combination of technology and auditor knowledge and experience. A majority of our auditors are attorneys; while the others are paralegals or other claims professionals. Our legal bill review program optimizes claim outcomes by mitigating legal spend for customers via auditing and adjusting legal invoices.

Litigation Management: Zurich follows a set of innovative, carefully prescribed principles and practices to manage your litigation. Our goal is to see you through every step of the way to a successful conclusion. Numerous practices and programs make up our litigation management program, including:

  • The selection and monitoring of defense counsel to secure high quality legal services at reasonable cost.
  • Other litigation management programs such as claim litigation training, Panel Counsel Self-Audits, Alternative Fee, Insured Select Counsel, on-site audits, Alternative Dispute Resolution, Bankruptcy Sweeps, and Telephonic Court Appearance programs.

Staff Legal: The Staff Legal attorneys are here to help Zurich customers through litigation challenges. Our Staff Legal attorneys take the time to get to know their clients and their business. They advocate for each client and work to achieve the best result in every case. They also educate clients on legal matters to help them navigate the difficult world of litigation and, more importantly, reduce future litigation. Zurich’s Staff Legal attorneys have:

  • A broad scope of experience including construction defect, product liability, professional liability and workers' compensation.
  • An average of 15 years of legal experience.

Managed care

Zurich offers a wide suite of managed care programs for many lines of business including workers’ compensation, occupational accident and auto liability. Having one managed care provider who coordinates medical care can translate into better service, easier administration and a more positive claim outcome for you.

  • Medical management, where we manage individual medical cases through medical case managers, utilization review and physician advisors.
  • Medical bill review, where skilled reviewers use rules-based system technology to evaluate medical and hospital bills for appropriateness and over-utilization.
  • PPO Network Management, which helps you find quality medical care at a fair price using our C.a.r.e.® Directory Online to access our entire network of PPO medical providers, specialty networks for diagnostic and durable medical equipment and pharmacy program participants by geographic location.

Vendor management

Zurich’s Claims organization has teamed up with a broad network of experienced service professionals to help your business recover as quickly and cost effectively as possible after a loss.

To ensure our service associates are qualified to represent our brand, we comb the marketplace, looking for best-in-class services at the best price. Our rigorous selection process strives to achieve your satisfaction with the service you receive.


  • Auto glass repair
  • Independent adjuster and appraisal services
  • Car rental
  • Collision repair (Auto, Truck and Heavy Equipment)
  • Vehicle salvage

Multi-Line Services:

  • Record retrieval services
  • Special investigation services
  • Structured settlements
  • Crisis management
  • Engineers and forensic accountants


  • Water/smoke/fire remediation
  • Catastrophe response professionals
  • Commercial contents evaluation and replacement
  • Storage and temporary locations
  • Building consultants and engineers
  • Forensic accountants
  • Independent adjuster and appraisal services
  • Salvors

Workers’ Compensation and Managed Care Services:

  • PPO networks
  • Diagnostic services
  • Durable medical equipment
  • Physical therapy services
  • Transportation and translation services
  • Case management
  • Pharmacy network
  • Utilization and peer review
  • Defense Base Act
  • Medical bill review