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Zenith National Insurance Corp. is an indirect wholly-owned subsidiary of Fairfax Financial Holdings Limited. Zenith National Insurance Corp. is the holding company for Zenith Insurance Company and its subsidiaries, including ZNAT Insurance Company ("Zenith"). Zenith is primarily engaged nationally in the workers' compensation insurance business. Zenith conducts business in 45 states and the District of Columbia through independent agencies.

Workers' compensation claims typically mark a low point for employers, but Zenith National Insurance aims to get companies back up to their peak. Zenith National is the holding company for Zenith Insurance and ZNAT Insurance, which underwrite workers' compensation policies in 45 states and Washington, DC. The company has exited all other businesses, but maintains a portfolio of investments. Approximately 1,600 independent agents sell the firm's insurance products. Its largest market is California, but the company also maintains offices in Alabama, Florida, Illinois, North Carolina, Pennsylvania, and Texas. Zenith National was acquired by Canada's Fairfax Financial in 2010.

Zurich in North America is a part of Zurich Financial Services Group (Zurich), an insurance-based financial services provider with a global network of subsidiaries and offices in North America and Europe as well as in Asia Pacific, Latin America and other markets. Founded in 1872, the Group is headquartered in Zurich, Switzerland and employs approximately 60,000 people serving customers in more than 180 countries, including more than 9,500 employees in North America.

In 1922, a group of Universal Motor Car Company (Ford) dealers was searching for a way to insure their rapidly growing businesses. Fire insurance was expensive and qualified professional insurance carriers were hard to find for the young industry.So, the group formed a reciprocal insurance company and called it Universal Underwriters. Through the years, Universal Underwriters expanded its offerings, to serve not only vehicle dealers, but the entire automotive aftermarket. In 2007, Universal Underwriters takes on the Zurich name. We're changing our brand, but we're not changing our legacy.

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