Fair enough, Zurich did not come out and say something as black and white as I put in my previous post. However, they did note that "Although published findings in concussion describe LOC associated with specific, early cognitive deficits, it has not been noted as a measure of injury severity". Early cognitive deficits doesn't exactly translate to concussion, but it's not too far off.
Also, using the guidelines set by Dr. Bob Cantu, an expert in concussion research and the guy that the NFL calls when they need to know more about concussions, a LOC is definitely a concussion. This can be seen by his old grading standard of concussions where a Grade I concussion is mild and a Grade II or III concussion is one where a LOC is present and severity depends on other compounding symptoms. Now Cantu no longer uses that scale because current research is going away from grading severity of concussion, but the point I'm trying to make is clear, in the mind of one of, if not the, most prominent concussion researcher in the United States, a LOC = concussion.
All research and formal guidelines aside, if you ask any concussion researcher, collegiate team physician or athletic trainer in the country if a LOC = concussion, a resounding majority will tell you yes. To put it simply, a concussion is an injury to the brain where normal cognitive functioning is interrupted or impaired. Is it normal functioning for a brain, upon direct trauma, to "reboot" resulting in an LOC...no.
