American Zurich Insurance Company, part of Zurich Insurance Group, submitted a one-time Workers’ Compensation large deductible individual risk filing in Missouri on December 4, 2025. The filing applies to both new business and renewals effective December 1, 2025.

The submission covers a single insured, Shriners Hospitals for Children, and is structured as a bespoke large-deductible program rather than a broadly applicable rate or form change. American Zurich requested confidential treatment of all pricing and premium information, citing competitive sensitivity and protections under the Missouri Uniform Trade Secrets Act.

In the filing, the insurer warned that public disclosure of the specialized pricing structure would create a severe competitive disadvantage, emphasizing that the program was designed to maintain competitive positioning for a specific large institutional client. As a result, premium and rate details were withheld from public view.

The filing was characterized as neutral in terms of rate change type and does not signal a broader repricing initiative. It was submitted through SERFF, with fees and documentation transmitted via mandatory electronic funds transfer.

Distribution details were not addressed, reflecting the individualized nature of the risk. Overall, the filing highlights Zurich’s continued use of tailored, large-deductible structures to retain complex workers’ compensation accounts while tightly controlling proprietary pricing information.