Zenith Insurance Review & Complaints: Worker’s & Agribusiness Insurance

Zenith Insurance is a California based insurer that mainly offers worker's compensation coverage to businesses nationwide. They also offer Agribusiness package policies to farms in California. They are among the ten largest providers of worker's comp in California.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 31, 2022

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Zenith Insurance

Financial Strength

Zenith Insurance is a California-based insurer offering mainly worker’s compensation coverage to businesses nationwide. They are among the ten largest providers of worker’s comp in California.

What is Zenith Insurance Company?

Zenith Insurance Company, which goes by the name The Zenith on their website and also uses Zenith National Insurance Corp., was founded in California in 1949. The company went public in 1971, and in 2012 was acquired by Fairfax Financial in a $1.3 billion deal that was fought unsuccessfully in court by the company’s shareholders.

The company is known mainly for worker’s compensation insurance but also offers Agribusiness package policies to farms in California. Worker’s Comp benefits are sold across the United States through a network of independent agents for the injured employee.

The Zenith Insurance Company headquarters is located in Woodland Hills, CA, and the company also has offices in Florida.

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What types of Zenith insurance products are offered?

Zenith Insurance Company writes only very specific commercial products: worker’s compensation benefits and agribusiness insurance policies.

Worker’s Compensation Benefits

The primary product offered by Zenith Insurance Company is worker’s compensation. As a specialist in workers compensation plans, they promise comprehensive coverage to assist workers and also protect companies from fraud and misuse of the system.

The Zenith Insurance website promises a higher level of service than what they refer to as “bargain” providers, which indicates that they charge higher rates but claim to offer better value for the dollar in the long run, the positive outcomes making it a worthwhile expense for business owners.

Local agents and brokers offer these products nationwide.


Zenith Insurance Company has a specialty product, known as Zenith Agribusiness Solutions, that provides comprehensive package policies to farm operations in California. Their plans are offered for a wide variety of farms and other agricultural operations, including dairies, wineries, and crops.

Coverage offered on these plans include:

Does Zenith offer competitive rates?

Zenith Insurance Company does not offer an online quoting option, which is not surprising given the nature of their business. Worker’s Compensation and agribusiness products are all very specific to the company that needs them, making it difficult to provide any sort of accurate quote online to help estimate the cost of coverage.

Quotes can be obtained by contacting a local agent or broker representing Zenith Insurance Company.

Can claims be filed online?

Separate units handle claims for worker’s comp and for agribusiness. The Zenith Insurance company’s “Contact Us” page offers phone numbers, email addresses, and mailing addresses for each side of the company’s business.

Worker’s Compensation injury claims can be filed online, or customers have the option for claims reporting through email, phone, or fax. Zenith Insurance Company has a network of providers to assist with injury claims that can be searched easily online.

Agribusiness claims can either be filed online or over the phone. The claims process likely differs based on the type of claim being filed.

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Are the ratings and consumer reviews positive?

Is Zenith Insurance any good? The company’s Better Business Bureau (BBB) file is found under the name Zenith National Insurance Corp, and the company currently has no rating. The BBB page does not offer any particular reason for the lack of a rating, nor are there any customer reviews or complaints listed.

We were unable to find any customer reviews of the Zenith Insurance Company, which is not unusual for a niche commercial insurer like Zenith.

What’s the bottom line?

Zenith Insurance Company is very focused on its specialty products and has a lot of experience to back those products. They are well worth a look for those in search of worker’s compensation or for agribusiness insurance coverage needs in California. Since information is sparse about this company, we are unable to form a solid opinion but see no issues of concern.

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