Chubb
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Operational appetite for U.S. Chubb as of early 2025 is managed primarily through its digital appetite tools and product factsheets rather than a single narrative manual. COMMERCIAL LINES – GENERAL • Appetite tools: Chubb provides a Middle Market Appetite Web App and a separate 2025 Small Business Appetite Guide that organize appetite by industry and product (Property, Package, Umbrella/Excess, Workers Comp, Auto, etc.). Brokers are expected to use these tools up front to confirm eligibility and appetite by class before marketing an account. • Key industries: Across middle market and small business, Chubb highlights strong appetite for many mainstream segments including professional services, technology, manufacturing/processing, wholesalers, real estate, healthcare, financial institutions, media & entertainment, food, and other services. Appetite is broken into categories such as Property, GL/Package, Auto, Umbrella/Excess, and Workers Comp, with segments flagged as preferred, review, or challenged. WORKERS COMPENSATION • Products: Primary Workers Compensation is available for middle-market accounts and via the small business platform; Excess Workers Compensation is available through Chubb Global Casualty for qualified large accounts. • Target risks (primary WC): Mid-sized employers in Chubb’s core appetites (manufacturing, professional services, real estate, selected healthcare, technology, light distribution/wholesale, etc.), typically as part of a broader casualty/package relationship. Loss-sensitive and deductible structures may be available for larger risks via Global Casualty (refer to Excess WC materials). • Preferred profile: Stable operations, established safety programs, favorable loss experience, and an experience mod at or below roughly 1.05 for many programs (explicitly stated in agribusiness WC guidelines and broadly indicative of Chubb’s WC discipline). ([chubbagribusiness.com](https://www.chubbagribusiness.com/pdf_files/SP/SP_4210.pdf?utm_source=openai)) • Restricted/declined: U.S. Longshore and Harbor Workers Compensation is specifically excluded in at least some programs (e.g., agribusiness) and heavily work‑hazard classes such as cotton gins, feed lots, and mushroom growers are excluded in that segment. High‑hazard construction, heavy trucking, or distressed WC accounts are typically outside preferred appetite and should be confirmed via the appetite app or discussed with underwriting. ([chubbagribusiness.com](https://www.chubbagribusiness.com/pdf_files/SP/SP_4210.pdf?utm_source=openai)) • Submission notes: For larger or higher‑hazard WC or Excess WC, expect detailed loss runs, exposures by state/payroll class, safety and claims management information, and possibly discussions with Chubb’s casualty/WC underwriting teams. COMMERCIAL PROPERTY & COMMERCIAL PACKAGE / BOP • Appetite: Property and Package are offered broadly across small business and middle market, with specific appetite by industry in both the Middle Market Appetite App and the 2025 Small Business Appetite Guide. The guide calls out strong appetite segments where brokers can expect very high quote ratios (often 80%+ in small business) and quicker processing. ([chubb.com](https://www.chubb.com/us-en/agents-brokers/appetite-app.html?utm_source=openai)) • Preferred characteristics: Well‑maintained, quality construction; modern electrical, plumbing, HVAC and roofing; adequate fire protection; and non‑catastrophe‑exposed or well‑protected CAT exposures. Chubb’s underwriting philosophy emphasizes quality over volume, so good risk quality and risk‑control engagement are important. • Geographic notes: Chubb monitors coastal CAT accumulations carefully. For certain programs (e.g., agribusiness) Chubb imposes strict coastal property restrictions such as no Florida property and distance‑from‑coast thresholds in Gulf and Atlantic states (e.g., 20 miles off parts of GA/NC/SC/VA coastline, 50 miles in portions of AL/MS, and 78 miles in parts of LA/TX). Though program‑specific, these illustrate Chubb’s conservative stance in high‑CAT coastal zones; similar discipline can be expected in other property books. ([chubbagribusiness.com](https://www.chubbagribusiness.com/pdf_files/SP/SP_4210.pdf?utm_source=openai)) • Restricted/declined: Highly CAT‑exposed coastal property, frame construction with poor protection, significant unprotected storage, and distressed loss histories will often fall into review or challenged categories and may be declined. • Submission expectations: For middle‑market property and package, Chubb typically expects a full ACORD submission, detailed statement of values, breakdown of locations and protection, loss information (typically 5 years), and any available risk‑control reports. For small business, quote‑bind‑issue capabilities are available via Chubb’s Marketplace platform with streamlined data requirements, especially when the risk falls in a preferred industry segment. ([chubb.com](https://www.chubb.com/us-en/agents-brokers/appetite-app.html?utm_source=openai)) COMMERCIAL UMBRELLA / EXCESS LIABILITY • Appetite: Umbrella/Excess is available for both small business and mid‑market, often written over a Chubb primary package (GL/Auto/WC). Appetite is strongest when Chubb controls the underlying casualty program. • Preferred profile: Core industries in Chubb’s appetite (e.g., professional services, manufacturing/processing, real estate, selected healthcare, technology, and wholesale) with strong safety culture, favorable loss history, and adequate underlying limits. • Restricted/declined: High‑hazard premises, heavy auto fleets, high‑rise habitational with poor life‑safety, and other tougher casualty exposures will often require underwriting review and may be categorized as review or challenged in the appetite tools. • Submission expectations: Schedule of underlying coverages, detailed loss runs, description of operations, and, for larger limits, risk‑control engagement and possible layering structure discussion with Global Casualty. PERSONAL LINES – HIGH NET WORTH HOME & PACKAGE (MASTERPIECE) • Appetite: Chubb Personal Risk Services focuses on high‑net‑worth (HNW) individuals and families, often packaging high‑value homes, collections, autos, and umbrellas. Chubb is well known for insuring higher‑value dwellings that many standard carriers will not or limit. ([en.wikipedia.org](https://en.wikipedia.org/wiki/Chubb_Limited?utm_source=openai)) • Preferred characteristics: High‑value primary and secondary homes (including custom and historic properties) with strong risk‑management features: central‑station fire and burglar alarms, modern utilities and roofs, and proactive mitigation measures. Chubb frequently expects central‑station monitored fire/security, especially on larger TIV homes. • Restricted/declined: Homes without adequate fire or security protection, significantly under‑maintained properties, or risks unwilling to insure to full replacement cost are often discouraged or non‑renewed. Coastal and catastrophe‑exposed HNW properties may be subject to tight capacity, wind or Named Storm deductibles, and may be declined if not meeting construction/protection standards. • Submission expectations: Detailed home characteristics (construction, year built/updates, protection details, square footage, finishes and custom features) to support Chubb’s replacement cost approach. Risk‑control home appraisal services are commonly offered for larger accounts. BOAT / WATERCRAFT • Appetite: Chubb offers recreational marine coverage including small boats and yachts, often targeting HNW clients whose homes and umbrellas are with Chubb. Recreational Marine contacts and support are specifically listed for agents, signaling a structured underwriting unit. ([alliance365.biz](https://www.alliance365.biz/carriers/chubb?utm_source=openai)) • Preferred characteristics: Well‑maintained vessels, typically privately used pleasure craft and yachts, operated by experienced owners, often packaged with Chubb home/umbrella. • Restricted/declined: Commercial use, high‑speed or racing craft, older poorly maintained vessels, and unusual navigation territories will require individual review and may be declined. BROKER / PRODUCER NOTES • Appetite tools are required reading: Chubb expects brokers to rely on the Middle Market Appetite web app and the Small Business Appetite Guide to understand whether a risk is preferred, review, or challenged before submitting. The UK appetite overview reinforces the same framework (Preferred/Review/Challenged) that is conceptually similar across Chubb’s global operations. • BOR handling (some programs): Certain divisions (e.g., agribusiness) specify that the first complete submission controls the account and that Broker of Record (BOR) letters are only accepted under defined conditions (e.g., must be received at least 30 days prior to expiration, with a 10‑day countermand period, and no mid‑term BORs). Producers should confirm BOR rules with their Chubb business unit and territory manager before marketing competitive BORs. ([chubbagribusiness.com](https://www.chubbagribusiness.com/pdf_files/SP/SP_4210.pdf?utm_source=openai)) • Relationship and quality emphasis: Chubb describes itself as an underwriting‑driven company that prioritizes underwriting discipline and quality over premium volume, implying that long‑term relationships, complete submissions, and alignment with appetite are key to successful placement and renewal. ([about.chubb.com](https://about.chubb.com/governance/business-practices.html?utm_source=openai)) PRACTICAL SUBMISSION EXPECTATIONS • For small business: Use Chubb’s Marketplace/online platforms and the 2025 Small Business Appetite Guide to confirm that the class and state are within appetite; expect streamlined data capture and high hit ratios where appetite is strong. • For middle market: Use the appetite app by industry and product line; provide detailed operations narratives, SOVs, 5 years of loss runs, and risk‑control information for property, casualty, and WC. • For personal lines/HNW and recreational marine: Work through Personal Risk Services channels; complete detailed applications that capture construction/updates, protections, and high‑value contents/collections for home, and hull/specifications and navigation for boats/yachts. Overall: Chubb’s current underwriting posture is selective and quality‑focused. Preferred risks are well‑managed, financially stable, and align with the industries and geographies highlighted in the appetite tools; coastal and high‑hazard risks, distressed loss histories, and classes explicitly excluded in program‑level guides should be considered outside appetite unless a Chubb underwriter indicates otherwise.