Terms of Service
Thank you for visiting ZeniaInsure.com (the "Website"). Zenia is a technology-centric insurance platform powered by Zenith Insurance Company ("Zenith").

Zenith is the provider and operator of this website (the "Website"), through which Zenith, its affiliates, and authorized insurance agents, provides content, information, products and services to you when you visit and access the Website or when you apply for insurance. In order to begin using the Website, please read the following Terms of Service of Use ("User Terms") which govern your access and use of the Website and your relationship with Zenith and other entities associated with Zenia.

By using the Website, you accept and agree to be bound and abide by these User Terms and Zenith's Privacy Statement, which is incorporated herein by reference. Additional terms and conditions may apply to specific portions, services or features of this Website. All such additional terms and conditions are incorporated into the User Terms. If you do not agree to the User Terms or the Privacy Statement, you may not use the Website.


Zenith National Insurance Corp. is an indirect wholly-owned subsidiary of Fairfax Financial Holdings Limited ("Fairfax"). Zenith National Insurance Corp. is the holding company of Zenith and its subsidiaries, including ZNAT Insurance Company.

Zenith specializes in workers' compensation insurance on a national scale, and is a leader in property and casualty insurance for the California agriculture industry. If you purchase workers' compensation through the Website, your insurance policy will be issued by either Zenith Insurance Company or ZNAT Insurance Company.

Insurance Office of America, Inc.

The Website does not allow you to purchase insurance directly through Zenith. By using the Website, you acknowledge and agree that you will work with Insurance Office of America, Inc. ("IOA") as your trusted advisor and insurance agent. IOA is an independent agent that has been authorized by Zenith to access the Website and to assist you with submitting your insurance application. While on the Website, you can communicate directly with your IOA agent via chat or call them directly, and they will assist you and answer any questions you may have during the application process. For more information about IOA, please see the Legal Notice section below.

Availability of Insurance Products or Services

Certain products and services that are described and made available on the Website may only be available in certain jurisdictions. You may not be eligible for all of the insurance products and services described and made available on the Website. Zenith, in its sole discretion, reserves the right to determine whether you are eligible for a certain product or service.

The Website may contain general descriptions of certain types of insurance products, coverage and services available through Zenith, its subsidiaries or affiliates, or third parties. These descriptions are not a part of an insurance contract or policy, and they do not amend, revise or alter the terms of any policy or endorsement issued through, or services provided by, Zenith, its subsidiary or affiliate, or any third party. Your insurance coverage is subject to the terms and conditions of your insurance policy. Your quote or proposal and insurance policy, if issued, will clearly identify who your insurer is and provide important contact information should you have any questions about your policy or have changes.

Insurance Quotes and Coverage

All quotes generated through the Website are based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Please read the quote/proposal carefully, including but not limited to all notices and disclaimers. Any coverage descriptions provided on the Website are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application through the Website or directly through your IOA agent. All insurance applications, regardless of how they are submitted, are subject to underwriting approval.

User Content

The Website may request certain information from you ("User Content") and ask that you to verify certain prefilled information. By providing User Content on the Website, you are granting Zenith, including its subsidiary, ZNAT Insurance Company, its affiliates, and IOA, a license to display, perform and distribute your User Content and to modify (for technical purposes), and reproduce such User Content to enable Zenith to operate the Website. You agree that these rights and licenses are royalty free, worldwide, and irrevocable, and include a right for Zenith to make such User Content available to, and pass these rights along to, others with whom Zenith has contractual relationships related to the provision of the Website's services, solely for the purpose of providing such services, and to otherwise permit access to or disclose your User Content to third parties if Zenith determines such access is necessary to comply with its legal obligations.

Changes to the User Terms and Website

Zenith may revise and update these User Terms from time to time in its sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of the revised User Terms means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you. The date of the most recent revisions to the User Terms appears at the end of the User Terms. Zenith may update the content on the Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.

Intellectual Property Rights

Zenith, or one of its affiliates or licensors, is the owner or authorized user of any trademark, registered trademark, registered service mark and other service mark appearing on the Website, and is the copyright owner or licensee of the content and information on the Website, unless otherwise indicated. All trade names, trademarks, service marks, images, and logos on materials on the website are proprietary to their respective owners and are protected by applicable trademark and copyright laws. The following service marks are registered U.S. service marks of Zenith: Zenith, TheZenith, TheZenith.com, Agribusiness Solutions (stylized), Zenith Agribusiness Solutions, Zenith Connect, Zenith Solution Center, Risky Robots, and First Call.

How Can Materials Found on This Website Be Used?

The Website does not grant to you a license to any content, features, or materials you may access on the Website. You may not download or save a copy of any of the content or screens for any purpose except as otherwise provided in the User Terms. However, you may print a copy of the information on the Website solely for your personal use or records. If you make other use of this Website, except as otherwise provided above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use. We do not grant any license or other authorization to any user of its trademarks, registered trademarks, registered service marks, service marks, other copyrightable material or any other intellectual property, by including them on the Website.

What Are My Obligations in Using This Website?

In consideration of your use of the Website, you agree that you are at least 18 years of age and that you are of legal age and of sound mind to form a binding contract with Zenith and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website. In order for Zenith to provide you with an insurance quote or provide other services that may be available on the Website, you may be asked to provide certain information. You agree to provide true, accurate, current, and complete information and agree to maintain and update this information to keep it true, accurate, current, and complete. Without limiting any available remedy, if any information provided by you is untrue, inaccurate, not current, or incomplete, your insurance policy and ability to access the Website, including Zenith's policyholder portal located at www.TheZenith.com, may be terminated. You agree that all information you provide, including but not limited to the use of any interactive features on the Website, is governed by our Privacy Statement, and you consent to all actions we take with respect to your information consistent with our Privacy Statement.

What Uses and Activities are Prohibited on This Website?

You may use the Website only for lawful purposes and in accordance with these User Terms. You agree not to use the Website:

  • In any way that violates any applicable federal, state, local or international law or regulation.
  • To transmit, or procure the sending of any advertising or promotional material, including any "junk mail," "chain letter" or "spam" or any other similar solicitation.
  • To impersonate or attempt to impersonate Zenith, a Zenith employee, another user or any other person or entity.
  • To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by us, may harm Zenith or users of the Website or expose them to liability.

Additionally, you agree not to:

  • Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Website.
  • Use any robot, spider or automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
  • Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose.
  • Use any device, software or routine that interferes with the proper working of the Website.
  • Introduce any viruses, Trojan horses, worms, logic bombs or other material which are malicious or technologically harmful.
  • Attempt to gain unauthorized access to, interfere with, damage or disrupt any part of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website.
  • Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
  • Link to the Website's homepage (www.ZeniaInsure.com) or any other page of the Website. Additionally, you may not cause the Website or portions of it to be displayed by, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.

Is Zenith Responsible for Linked Sites and Resources Provided by Third Parties?

The Website contains some links to other sites and resources provided by third-parties for your convenience only. We have no control over and assume no responsibility for the accuracy or availability of information provided by linked sites and resources. Links to external sites and resources do not mean that we endorse those sites or their sponsors or the content, products, advertising or other materials presented on such sites. We are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on such external sites or resources.

Monitoring and Enforcement; Termination

We retain the right to monitor the Website, although we have no obligation to do so. We assume no liability for any action or inaction regarding transmissions, communications or content provided by you, any other user or any third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

Reliance on Information Presented

The material on this Website is provided for informational purposes only and covers a wide range of topics relating to insurance services. Unless otherwise represented and warranted to you in a separate written agreement between Zenith and you, we do not represent or warrant the accuracy, completeness or usefulness of the information on this Website, and any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

Although some of the information involves tax, legal, accounting or similar issues, neither the companies offering the products or services nor their agents or affiliates are in the business of offering such advice. In addition, advice on such matters must fit your particular circumstances. Therefore, we strongly encourage you to consult with your own professional advisors to examine the legal, tax, accounting or investment aspects of any information presented on this Website and how they may affect your particular situation.

Is There a Warranty?

By using the Website, including any software and content contained therein, you agree that use of the Website is entirely at your own risk. The Website is provided to you as a convenience, but we do not guarantee the accuracy, usefulness or completeness of the information.

The Website is provided "as is," without warranty of any kind, either express or implied, including without limitation, any warranty for information, data, services, or uninterrupted access. We disclaim any and all warranties, including, but not limited to: (i) any warranties concerning the availability, accuracy, usefulness, or completeness of the content of information or services we provide on the Website; and (ii) any warranties of title, warranty of non-infringement, warranties of merchantability or fitness for a particular purpose. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tort, negligence, or under any other cause of action.

Neither Zenith nor any of its employees, agents, successors, assigns, affiliates, or content or service providers shall be liable to you or any other third party for any direct, indirect, incidental, special or consequential damages arising out of use of this Website or inability to gain access to or use the site or out of any breach of any warranty. Because some states do not allow exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such states, the respective liability of Zenith, its employees, agents, successors, assigns, affiliates, and content or service providers is limited to the greatest extent permitted by such state law.


You agree to defend, indemnify, and hold harmless Zenith, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these User Terms or your use of the Website, including, but not limited to, any use of the Website's content, services, and products other than as expressly authorized in these User Terms, or your use of any information obtained from the Website.

Limitation of Liability



At Zenith's sole discretion, it may require you to submit any disputes arising from these User Terms or use of the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying California law.

Limitation on Time to File Claims


Disclosure and Consent to Electronic Delivery of Insurance Documents

By using the Website, you agree to have all records, including but not limited to the insurance policy, endorsements, notices, and billing statements, provided to you in electronic form. This consent, unless withdrawn, applies to all transactions between you and Zenith (including its subsidiary, ZNAT Insurance Company).

You should print or otherwise retain a hard copy of any document or communication delivered to you electronically for your records. The delivery of documents and communications to you electronically pursuant to this consent in lieu of sending paper copies shall not affect the validity, legal effect or enforceability of such documents and communications. You must maintain a valid, current email address. It is your responsibility to ensure that your email server and SPAM-blocking software do not block our emails. We are not responsible for problems arising from emails sent to an inactive or out-of-date email address, or for blocked emails. If an email is returned to us as undeliverable, we will presume that you have withdrawn your consent and you will be unenrolled from electronic delivery.

You have the right to receive insurance records from us in paper form if you wish by withdrawing this consent. To withdraw your consent, please email us at WebQuestions@thezenith.com with the following subject line "WITHDRAW ELECTRONIC CONSENT." The body of the email must include your name, policy number, effective and expiration dates of the policy, the effective date of your withdrawal and whether you want (a) all future communications to be in paper form and (b) your insurance policy to be sent to you in paper form. You may withdraw your consent to electronic delivery by providing notice to us, but your withdrawal will not affect or change in any way the legal effectiveness, validity or enforceability of any documents that were delivered to you electronically before your withdrawal became effective. If you provide us notice of withdraw of your consent for electronic delivery, your withdrawal will not become effective until ten (10) business days after our receipt of your notice of withdraw. You may request that we send you a paper copy of any document that was originally provided to you electronically, and we will send that document to you at no charge to you.

Other Important Information

The owner of the Website is based in the State of California in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

The User Terms and the relationship between you and the Website shall be governed by the laws of the State of California, without regard to its conflict of law provisions. You and Zenith each agrees to submit to the personal and exclusive jurisdiction of the courts located within the State of California, City of Los Angeles, and County of Los Angeles. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

The failure of Zenith to exercise or enforce any right or provision of the User Terms shall not constitute a waiver of such right or provision. If any provision of the User Terms is found by a court of competent jurisdiction to be invalid, illegal or unenforceable the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the User Terms remain in full force and effect.If there is a conflict between these User Terms and additional terms available within a particular part of this Website, those additional terms will control for that conflict.

Your Comments and Concerns

This Website is operated by Zenith Insurance Company, 21255 Califa Street, Woodland Hills, CA 91367.

All other feedback, comments, requests for technical support and other communications relating to the Website should be directed to WebQuestions@thezenith.com.

Again, thank you for visiting ZeniaInsure.com and for reading the User Terms. Please enjoy the Website!

Legal Notice

Zenith Insurance Company is a California domiciled insurance company, with a principal place of business at 21255 Califa St., Woodland Hills, CA 91367. The company's California Certificate of Authority is 5104.

ZNAT Insurance Company is a California domiciled subsidiary of Zenith Insurance Company, with a principal place of business at 21255 Califa St., Woodland Hills, CA 91367. The company's California Certificate of Authority is 5106.

Insurance Office of America, Inc. is a Florida domiciled corporation and is a licensed and independent insurance agent. In the State of Florida, Insurance Office of America, Inc. operates under License #: L000107. In the State of California, Insurance Office of America, Inc. operates under License #: 0E67768 and does business under the name IOA Insurance Services. Insurance Office of America, Inc. and IOA Insurance Services are referred to on the Website as "SimplyIOA."

(Terms and Conditions of Use as of 05/19/2021)