Companies ยท NAIC 16535
Zurich American Insurance Company: complaint record
Zurich American Insurance Company (NAIC company code 16535) appears in public complaint data from the insurance regulators in Texas, New York, Indiana, Michigan, Illinois and Oregon. In Texas auto insurance in 2025, it had 6 confirmed complaints and 1,295 policies in force, a complaint index of 28.12 (more confirmed complaints than the market average for its size) from a small base, so read it with care. In Texas homeowners insurance in 2025, it had 0 confirmed complaints and 1,698 policies in force, a complaint index of 0.00 (no confirmed complaints). In New York's auto insurance complaint rankings for complaints closed in 2009 it was ranked 180 of 181 (rank 1 has the fewest upheld complaints for its premiums), with 1 upheld complaint and 36.58 upheld complaints per million dollars of premiums. In Indiana auto insurance in 2024, it had 1 complaint on $27,767,039 of premiums, a complaint index of 0.77. In Michigan auto insurance in 2025, it had 3 complaints on $61,214,272 of premiums written, 0.05 complaints per $1 million. In Michigan homeowners insurance in 2023, it had 1 complaint on $23,923,306 of premiums written, 0.04 complaints per $1 million.
Texas auto insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 28.12 | 6 | 1,295 |
| 2024 | 28.69 | 4 | 1,304 |
Compare with other auto insurers in Texas
Texas homeowners insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 0.00 | 0 | 1,698 |
| 2024 | 0.00 | 0 | 2,466 |
Compare with other homeowners insurers in Texas
New York auto insurance
| Complaints closed in | Filed as | Rank | Upheld per $1m | Upheld | Question of fact | Not upheld | Premiums written |
|---|---|---|---|---|---|---|---|
| 2009 | Zurich American Insurance Company | 180 of 181 | 36.58 | 1 | 0 | 1 | $0.03m |
See the full New York list for complaints closed in 2009
Indiana auto insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2024 | 0.77 | 1 | $27,767,039 |
| 2023 | 0.70 | 1 | $25,656,438 |
| 2022 | 0.92 | 1 | $19,972,176 |
See the full Indiana auto list for 2024
Michigan auto insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Zurich American Insurance Company | 0.05 | 3 | $61,214,272 |
| 2023 | Zurich American Insurance Company | 0.05 | 2 | $43,612,095 |
See the full Michigan auto list for 2025
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2023 | Zurich American Insurance Company | 0.04 | 1 | $23,923,306 |
See the full Michigan homeowners list for 2023
Other state regulators
Matched by the NAIC code Kansas prints, or by legal name after standard abbreviations are expanded, only when exactly one company matches. Each state measures complaints differently, so compare companies within a state, not across states. With one or two complaints an index or ratio can swing a lot.
| State | Line | Year | Filed as | Measure | Complaints | |
|---|---|---|---|---|---|---|
| Illinois | Auto | 2025 | Zurich American Insurance Company | 0.1318 complaints per $1M earned premium | 10 | Full list |
| Illinois | Auto | 2024 | Zurich American Insurance Company | 0.0977 complaints per $1M earned premium | 8 | Full list |
| Oregon | Auto | 2025 | Zurich American Insurance Company | Complaint index 2.47 | 1 confirmed of 3 | Full list |
| Oregon | Auto | 2024 | Zurich American Insurance Company | Complaint index 2.75 | 1 confirmed of 3 | Full list |
| Oregon | Auto | 2023 | Zurich American Insurance Company | Complaint index 2.03 | 1 confirmed of 4 | Full list |
| Oregon | Auto | 2022 | Zurich American Insurance Company | Complaint index 0.00 | 0 confirmed of 2 | Full list |
How to read the Texas complaint index
The Texas Department of Insurance divides a company's share of confirmed complaints for a line of insurance by its share of policies in force for that line. The average is 1.00. Below 1 means fewer confirmed complaints than average for the company's size, above 1 means more. For small companies one or two complaints can move the index a lot, so ranking tables here include only companies with at least 10,000 policies.
How to read the New York ranking
The Department of Financial Services ranks auto insurers by upheld complaints per million dollars of premiums over a two-year period. A complaint is upheld when DFS agrees with the consumer that the insurer made an inappropriate decision. DFS notes that "only one or two additional upheld complaints per year can have a significant impact on a smaller insurer" and that because every auto insurer is ranked, "some must be at the bottom of each year's list even if every company is performing well." The ranking includes only complaints received by DFS.
How to read the Indiana complaint index
The Indiana Department of Insurance divides a company's share of complaints by its share of Indiana premiums for the line. 1.00 is average, below 1 means fewer complaints than its size would suggest. Indiana lists only companies with at least one complaint and does not calculate an index (marked DNC) for companies with under $1 million of premiums.
How to read the Michigan complaint ratio
The Department of Insurance and Financial Services divides each company's complaints by its Michigan direct premiums written, in millions of dollars. It publishes ratios only for companies with at least $1 million of premiums, and warns that ratios based on small premium volumes "are highly variable".
How to read the Illinois complaint ratio
The Illinois Department of Insurance lists companies with 5 or more complaints in a line (3 or more for annuities in 2025). For auto and homeowners the ratio is complaints per $1 million of Illinois direct earned premium. For life and health it is complaints per 10,000 policies in force, and for annuities per 10,000 certificates in force. Illinois changed how it counts complaints in 2023 and says "caution should be exercised when comparing complaint counts to prior years".
How to read the Oregon complaint index
The Oregon Division of Financial Regulation lists every company with Oregon premium in a line, including companies with no complaints, with total and confirmed complaints opened in the year. Oregon's files do not define the complaint index. Recomputing it closely matches (within 3%) a company's share of confirmed complaints divided by its share of premium in the table, so 1.00 is average and 0 means no confirmed complaints. A few companies report negative premium, which can produce a negative or extreme index. We show these as published. For small companies one or two complaints move the index a lot.
Figures are for this legal company only. An insurance group may sell through several companies, each with its own record.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (dataset pa9u-9s9w), data.texas.gov
- New York State Department of Financial Services, Automobile Insurance Company Complaint Rankings: Beginning 2009 (dataset h2wd-9xfe), data.ny.gov
- Indiana Department of Insurance, Company Complaint Index (auto and homeowners, 2022 to 2025)
- Michigan Department of Insurance and Financial Services, Complaint Ratios (automobile and home, 2023 to 2025)
- Illinois Department of Insurance, Consumer Complaints Ratio Reports (2023 to 2025)
- Oregon Division of Financial Regulation, complaint data for all insurers (annual PDF reports, 2022 to 2025)
Checked 29 October 2026. Complaint records show only complaints filed with the regulator. They are one signal among many and do not rate claims handling, price or financial strength.