Zurich North America in Texas
Zurich North America writes workers compensation insurance in Texas, with A+ AM Best rating and a $5,000 minimum premium. Texas carriers operate under NCCI rate filings, with a max weekly benefit of $1,271 and a statute of limitations of 1 year. Verified 2026-05-09.
Zurich North America in Texas
Strong international operations. Risk Engineering services. The carrier's industry focus is large commercial and risk-managed accounts, and the AM Best rating is A+ with a Stable outlook. Quotes go through licensed agents or the carrier underwriting team. Pay-as-you-go billing is available, which reconciles premium each pay period instead of at the annual audit. Self-service audit is available, employers can upload payroll records through a portal instead of waiting for an auditor visit.
Texas workers comp rules that apply to every carrier
Texas workers comp benefits are set by statute, not by the carrier. The maximum weekly indemnity benefit is $1,271 at 70% of the average weekly wage. The statute of limitations to file a claim is 1 year from the date of injury. Coverage threshold: Workers' compensation coverage is generally optional for private employers in Texas. On 1099 contractors: Texas uses the common law test to determine if a 1099 contractor is an employee; if found to be an employee, they must be covered by a subscribing employer.
How to get a Zurich North America quote in Texas
Have your FEIN, NCCI class code (or job description if you do not know the code yet), estimated annual payroll by class code, three years of loss runs from prior carriers, your published EMR (experience modifier) if you have one, and certificates of insurance for any subcontractors. Zurich North America can quote faster with complete information; missing payroll detail or loss runs typically delays underwriting by 5 to 10 business days.
Related
FAQs
Does Zurich North America write workers comp in Texas?
Yes. Zurich North America writes workers compensation in all 50 + DC, including Texas. AM Best rates the carrier A+ (Stable outlook), and the minimum premium is $5,000. Quotes go through agents or direct underwriting.
What kind of Texas businesses does Zurich North America target?
Zurich North America focuses on large commercial and risk-managed accounts. Strong international operations. Risk Engineering services.
What is the max weekly workers comp benefit in Texas on a Zurich North America policy?
Statutory benefits are set by state law, not by the carrier. Texas caps weekly indemnity at $1,271 (effective 2025-10-01), calculated as 70% of the average weekly wage. Zurich North America pays the same statutory benefit as any other Texas carrier.
How does Zurich North America handle 1099 contractors in Texas?
Texas uses the common law test to determine if a 1099 contractor is an employee; if found to be an employee, they must be covered by a subscribing employer. Zurich North America audits 1099 status against the same standard at policy audit; missing certificates of insurance for subcontractors typically lead to the sub payroll being added to the rated base.
Does Zurich North America offer pay-as-you-go workers comp in Texas?
Yes. Zurich North America offers pay-as-you-go workers comp, where premium is calculated each pay period based on actual payroll instead of estimated annual payroll. Pay-as-you-go reduces audit surprises and is available in Texas through Zurich North America.
When does Zurich North America audit my payroll in Texas?
Texas carriers including Zurich North America audit within 90 days of policy expiration. Have payroll segregated by class code, certificates of insurance for every subcontractor, and overtime documented separately.