Chubb insurance covers high-value homes, luxury and collector vehicles, fine art and jewelry, and personal liability on the individual side, and property, general liability, business interruption, cyber, directors and officers, and workers’ compensation on the commercial side, along with specialty lines like aviation, environmental liability, and kidnap and ransom that most carriers won’t write. It’s a full-range property and casualty insurer with a reputation built on insuring people and businesses whose exposures don’t fit neatly into standard-market policies.1Chubb. Our History
Personal Coverage
Chubb’s personal insurance is organized around its Masterpiece line, designed for homes, vehicles, and possessions that exceed what standard carriers handle well.
Homeowners
The Masterpiece homeowners policy pays extended replacement cost, meaning Chubb will pay to rebuild your home even if the actual cost of construction exceeds the dwelling limit on the policy.2Chubb. Masterpiece Coverage Comparison That matters when material and labor prices spike after a widespread disaster, which is exactly when a standard policy capped at the dwelling limit tends to fall short.
The policy also covers rebuilding to current building codes with no stated dollar limit in most states and offers a cash-out option, letting you take a lump-sum settlement instead of rebuilding.2Chubb. Masterpiece Coverage Comparison If a covered loss makes your home uninhabitable, Chubb reimburses the reasonable increase in your normal living expenses so you can maintain your usual standard of living while repairs proceed.3Chubb. What’s in a Chubb Homeowners Policy?
Auto
Chubb writes auto policies for everyday luxury vehicles, classic cars, and exotic collector vehicles.4Chubb. Homeowners Insurance Coverage The distinguishing feature is agreed value coverage. You and Chubb settle on the car’s value before any loss, and if the vehicle is totaled you receive the full agreed amount with no depreciation deduction and no post-accident negotiation.5Chubb. Platinum Portfolio Auto For vehicles that hold or appreciate in value, a standard actual cash value formula would underpay you sharply.
Valuable Articles
Masterpiece Valuable Articles insures fine art, jewelry, wine collections, antiques, china, and similar items on a worldwide, all-risk basis with no deductible. The policy also automatically covers breakage of fragile items like crystal and porcelain, which standard homeowners policies typically exclude.6Chubb. Masterpiece Valuable Articles Coverage Coverage applies at home and anywhere you travel, so a painting damaged in transit or a ring lost overseas still falls within the policy.
Personal Liability and Umbrella
Chubb’s personal liability coverage protects you against lawsuits for bodily injury or property damage and is available on a worldwide basis.7Chubb. Masterpiece – Personal Liability Insurance For people with meaningful assets, Chubb offers umbrella policies that stack additional liability limits on top of your homeowners and auto coverage. That’s the layer that keeps a single serious lawsuit from reaching your personal wealth.
Business Coverage
Chubb’s commercial arm writes policies for businesses of every size, from small operations to multinational corporations, covering standard property and liability risks along with more specialized exposures.
Property, Liability, and Business Interruption
Commercial property insurance protects buildings, equipment, and inventory against fire, theft, and natural disasters. General liability handles legal costs and settlements from third-party injury or property damage claims. Business interruption fills the gap when a covered event shuts down operations, reimbursing lost income and continuing expenses during the recovery period.
Cyber
Chubb’s cyber policy is one of its fastest-evolving product lines. First-party coverage includes incident response (legal fees, forensics, customer notification, credit monitoring), business interruption from a network outage, data recovery, and ransom payments with negotiation expenses. Third-party coverage handles liability for failing to protect private information, payment card industry losses, regulatory defense and fines, and online media liability.8Chubb. Cyber Insurance Coverage and Products
Available endorsements address social engineering fraud (an employee tricked into wiring money) and ransomware, with tailored limits and coinsurance. A notable feature is the neglected software exploit endorsement, which gives policyholders a 45-day grace period to patch known vulnerabilities. If a vulnerability goes unpatched, the policyholder absorbs progressively more risk at 90, 180, and 365 days.8Chubb. Cyber Insurance Coverage and Products
Directors and Officers Liability
Chubb’s D&O policy protects executives and the company itself against financial losses from management-related lawsuits, including shareholder claims and regulatory investigations. It covers interview costs when officers are contacted by an enforcement agency, even before a formal claim exists, and advances defense costs within 60 days of receiving documentation. If you renew with Chubb, the policy extends your claim-reporting window to 180 days after expiration, compared with the industry standard of 60 days.9Chubb. The Chubb Primary Directors and Officers and Entity Liability Insurance
Workers’ Compensation
Chubb writes workers’ comp at every scale. Small businesses with revenues under $30 million get standard coverage for workplace injuries and illness. Mid-sized companies with revenue between $10 million and $1 billion receive additional risk management resources aimed at improving safety and reducing claim costs. Large national and global companies can access customized casualty financing, including excess workers’ compensation for self-insured employers who need protection against catastrophic losses.10Chubb. Workers’ Compensation Insurance
Specialty Coverage
Where Chubb separates itself from many competitors is in specialty lines that most carriers either don’t offer or price prohibitively. These fill gaps that standard commercial and personal policies leave open.
- Fine art and museums: coverage for galleries, private collectors, and institutions against damage, theft, and loss during display or transit.
- Aviation: policies for private and commercial aircraft, along with owner and operator liability.
- Transactional risk: insurance for mergers and acquisitions, including representations and warranties coverage that protects buyers and sellers from losses caused by inaccurate deal disclosures.
- Environmental liability: coverage for pollution-related claims, cleanup costs, and associated legal expenses.
- Entertainment and media: protection for production delays, equipment damage, and content-distribution liability.
- Kidnap and ransom: financial protection and access to security consultants for organizations sending personnel into high-risk regions.11Chubb. Kidnap and Ransom Insurance
The kidnap and ransom product is aimed at multinational corporations, financial institutions, nonprofits, and educational institutions operating internationally. Beyond reimbursing ransom payments, it provides crisis management services and access to security consultants who specialize in minimizing risks to personnel abroad.11Chubb. Kidnap and Ransom Insurance
Who Chubb Writes Policies For
Chubb is selective, and its underwriting reflects that. On the personal side, homeowners coverage generally targets higher-value properties, and auto coverage leans toward luxury, exotic, and collector vehicles. Exact eligibility thresholds vary by location and product line.
Underwriting weighs prior claims history, credit profile, and the protective measures in place at the property. Homes built with fire-resistant materials, equipped with central station alarms, or protected by sprinkler systems tend to qualify for better terms. Auto applicants with clean driving records and secure garage storage are preferred risks. Businesses need to show financial stability and meaningful risk management practices.
Chubb offers premium credits for homes with security, fire, and weather protection systems, including burglar alarms, fire alarms, residential sprinklers, storm shutters, fire-resistive construction, and masonry construction. Additional “superior protection” credits apply to homes with more advanced safeguards: 24-hour monitored cameras or motion detection, an on-site security guard, a full-time live-in caretaker, a permanently installed backup generator, water leak detection covering all plumbing areas, temperature monitoring tied to a central station alarm, wildfire suppression systems, and locked or electronic perimeter gates. Exact discount percentages vary by state and policy.12Chubb. Home Discounts
How to Buy a Chubb Policy
Chubb sells personal insurance primarily through independent agents and brokers rather than directly to consumers.13Chubb. Personal Insurance Quote – Agent Contact List You won’t find an instant online quote. An agent evaluates your full picture (home, vehicles, collections, liability exposure) and builds a package. It takes longer than buying a standard policy online but produces coverage matched to your situation rather than a template.
Chubb’s website has an agent locator that connects you with independent agents in your area authorized to write Chubb policies. Those agents can also help you bundle multiple policy types, which is one of the more effective ways to reduce overall premiums.
Filing a Claim
Chubb accepts claims 24 hours a day online through its claims portal, by phone at 1-800-252-4670, by email, or by mail. Separate phone lines and email addresses exist for workers’ compensation, cyber incidents, small business claims, surety, and marine losses, so routing your claim to the right team from the start speeds things up.14Chubb. Report a Claim
Report losses promptly. Most property and casualty policies don’t specify an exact number of days but require “prompt” or “reasonable” notice. Late reporting creates problems beyond the policy language: physical evidence deteriorates, witnesses forget details, and temporary repairs obscure the original damage.
Documentation drives how smoothly a claim goes. For homeowners claims, gather photos and video of the damage, written repair estimates from contractors, and receipts for any emergency or temporary repairs. Auto claims benefit from police reports, witness contact information, and independent damage assessments. Valuable articles claims typically require proof of ownership such as appraisals, purchase receipts, or authentication certificates. Business claims tend to be more document-intensive, involving financial records showing lost revenue, inventory lists, and relevant contracts. For cyber incidents, preserve forensic evidence and notify Chubb’s dedicated cyber claims team before engaging outside vendors; many cyber policies require using the insurer’s pre-approved response firms to maintain full coverage.
Chubb assigns an adjuster after you report the claim. The adjuster evaluates the loss against the policy terms, coverage limits, and your deductible. Depending on complexity, they may conduct a site inspection, interview parties, or bring in specialists like engineers or forensic accountants. Large or unusual losses can take weeks or months. You’re generally entitled to status updates, and your independent agent can push things along if communication stalls. If your home is uninhabitable during that period, additional living expenses coverage reimburses the reasonable increase in your normal costs, including temporary housing and meals.3Chubb. What’s in a Chubb Homeowners Policy?