The Zenith Insurance Company at a Glance
- Founded in 1949
- Offers workers compensation
- Coverage is available in 45 states and the District of Columbia through independent agents
- “A” (excellent) rating by A.M. Best
- Also offers agribusiness solutions
- Report a claim 24/7 online, by phone, email, or fax
- Strong financial stability
The Zenith pros: Well-established carrier with over 70 years worth of experience in the insurance industry. Highly rated by A.M. Best. 24/7 claims reporting via online, by phone, email, or fax. Strong financial stability. Coverage is available in 45 states and the District of Columbia through independent agents. Positive reviews by employees.
The Zenith cons: Not BBB rated or accredited. Difficult to find customer feedback. Not much information about claims process provided on official website. Official website could use a major update. Limited coverage options. Customer service business hours not provided on website. No customer reviews.
What Type of Insurance Does The Zenith Offer?
The Zenith is a specialized insurance company, with a focus on coverage for injured workers and agribusiness. Their insurance products offered are as follows.
- Workers' compensation insurance
- Agribusiness solutions
Your independent insurance agent can help you find more information about the coverage offered by The Zenith, and help you decide if this insurance company is right for you.
What to Know about The Zenith
The Zenith was founded in 1949, giving the carrier over 70 years worth of experience in the insurance industry. The Zenith grew into a nationwide recognized supplier of workers' compensation, as well as property and casualty insurance for the California agriculture industry. In 2010, The Zenith became an indirect wholly owned company of Canadian Fairfax Financial Holdings Limited.
Today, The Zenith still focuses its efforts on providing workers compensation and agribusiness solutions for clients in need. Coverage is available in 45 states and the District of Columbia through independent agents. The insurance company's LinkedIn profile states that The Zenith has between 1,001 and 5,000 employees, with over 900 of them found on the social media platform. As far as financial size, A.M. Best places the carrier in the $500 million to $750 million category.
Thanks to its productive history, wide reach, and financial strength, The Zenith has earned a reputation as a stable insurance company with a stable outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives The Zenith an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from A.M. Best assure customers that The Zenith can offer guaranteed, secure coverage from a financially sound carrier.
Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who are not as familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term, and who will remain a strong, financially sound company in the long term.
What Discounts Does The Zenith Offer?
While The Zenith does not make information about their specific discounts readily available, there are several standard discounts commonly offered by many workers' compensation insurance companies today. These discounts include the following.
- Equipment safeguards discount: Offered to workers' compensation customers who protect employees from dangerous equipment in the workplace by covering it with safeguards when not in use.
- Hygiene procedures discount: Offered to workers' compensation customers who enforce strict hygiene protocols in the workplace.
- No hazardous materials discount: Offered to workers' compensation customers whose employees do not have to interact with hazardous materials on the jobsite, such as chemicals.
- Safe premises discount: Offered to workers' compensation customers who provide a safe working environment for their employees.
- Formal safety plan discount: Offered to workers' compensation customers who enforce a mandatory safety plan in their workplace.
An independent insurance agent can provide better discount information and premium quotes for coverage through The Zenith. When it comes to coverage, independent insurance agents work hard to help get you the most value for the money.
The Zenith Customer Service
The Zenith offers 24/7 claims reporting via online, by phone, email, or fax for its policyholders. The carrier also provides the following customer service options.
- Online bill pay and account management
- Email contact option for claims reporting
- Online bill pay and account management
- Email contact option for claims reporting
- Customer service availability - Customer service department does not specify business hours on website or social media pages. When calling the carrier during main business hours the availability is as follows.
|Monday-Friday||5:30am - 5pm|
The best way to be sure to have a great customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
The Zenith FAQ
What is The Zenith's average claim response time frame?
The Zenith offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise. The Zenith does encourage customers to file claims ASAP after an incident.
What is The Zenith's customer service availability?
The Zenith allows customers to file claims 24/7 online, by phone, email, or fax. Their customer service department does not specify business hours on the carrier’s official website or social media pages, but they do when calling the carrier. The carrier’s social media presence extends to LinkedIn, which makes them a bit more accessible to online customers.
What is The Zenith's claims process?
The Zenith offers a few options for claims reporting. However, the insurance company does not detail their claims process on their official website or social media platforms. If customers have questions about filing or the claims process itself, they can contact the carrier via phone or email or get in touch with their independent insurance agent.
Does The Zenith's insurance create a user-friendly experience for customers?
The Zenith Employee Reviews
|“I am entrusted to manage my own caseload and provide legal direction for the claims, medical management, safety & health and underwriting departments. The company stresses collaboration and is very supportive and challenges its employees to be innovative in solving problems for its customers.” —Staff Counsel (Current Employee) - East Norriton, PA - April 26, 2020|
|“I have been working at Zenith Insurance full-time. Pros: Attempting to complete culture development during the current climate, low pendings, above average salary. Cons: There aren't many opportunities to growth although they state there is, lack of consistency in process, there are too many managers/supervisors with minimal staff, micromanaging.” —Current Employee - Workers Compensation Specialist in East Norriton, PA|
|“I worked at Zenith Insurance full-time. Pros: Friendly staff feels like family. Cons: Lack of career growth in company.” —Former Employee - Manager|
|“I have been working at Zenith Insurance full-time for more than 10 years. Pros: Positive work environment, great benefits and above average compensation. Cons: high paperwork load and some micro managing.” —Current Employee - Safety Consultant in Jacksonville, FL|
|“I worked at Zenith Insurance full-time for more than 5 years. Pros: Good benefits, friendly work environment, and fun activities/incentives offered. Cons: Overabundance of supervisors/managers to few employees in departments. Advice to Management: Don't have 5 managers to 4 people.” —Former Employee - Senior File Clerk in Woodland Hills, CA|
TrustedChoice.com's Final Review
We award The Zenith Insurance Company a final rating of 4 out of 5 stars. The insurance company has been around for over 70 years now, which is significant within the insurance industry. However, it seems the carrier has not used this time to their advantage. Though the Zenith has received high ratings through A.M. Best, they have not been accredited or rated through the BBB. While coverage is offered in 45 states and the District of Columbia, their catalog is pretty limited, with a focus on workers' compensation insurance and agribusiness solutions. The insurance company provides 24/7 claims reporting via online, by phone, email, or fax and online bill pay, yet does not list its business hours for the customer service department anywhere. There also is not a whole lot of information about the carrier’s claims process or a claims response time frame promise. It is very difficult to find any feedback about the insurance company online, but the few reviews available are all by employees. Currently, it is difficult to say many positive or negative things about this carrier. So, our recommendation is that if you are in the market for workers' compensation coverage or agribusiness solutions, survey your other options for trusted carriers with your independent insurance agent, and perhaps take a closer look into The Zenith.
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