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Chubb is a strong fit for businesses that want broad coverage and risk engineering, and for affluent households that want features such as extended replacement cost and cash settlement after a total loss. It is a legitimate and financially very strong insurer: Chubb Limited trades on the NYSE (CB), operates in 54 countries and territories, and its main US companies carry AM Best A++ and S&P AA ratings as of September 2026. The tradeoffs are that most policies are sold through independent agents and brokers, Chubb does not publish prices, and its BBB profile carries a D- rating. Chubb ranked second in J.D. Power's 2026 small commercial insurance study.
Your options
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biBerk Alternative Small, low-risk businesses such as consultants, shops and small contractors that want to buy standard coverage online from a financially strong insurer.
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Next Insurance Alternative Freelancers and small, low-risk businesses that want to buy common business coverage and certificates online in minutes.
- Company
- Chubb Limited, headquartered in Zurich, Switzerland; NYSE: CB; about 45,000 employees1
- Size
- $54.8 billion in net premiums written in 2025; $272 billion in total assets at December 31, 20251
- Reach
- Operations in 54 countries and territories1
- Financial strength
- AM Best A++, S&P AA, Moody's Aa2 and Fitch AA for main US companies such as Federal Insurance Company and ACE American, stable outlook, as of September 24, 20262
- How you buy
- Mostly through independent agents and brokers; small businesses can start a quote online3
- Business lines
- Business Owner's Policy, workers' compensation, cyber, management and professional liability, foreign package, marine and more3
- Personal lines
- High-value homeowners, condo, renters, car and classic car, valuables, boats and yachts, travel; pet insurance through Healthy Paws4
- Price
- Not published; premiums are quoted by agents or the online small business quote3
Pros
- AM Best A++ and S&P AA financial strength
- Ranked second in J.D. Power's 2026 small commercial study
- Extended replacement cost and cash settlement options on homes
- Deductible waived on large home losses in most states
- Broad business lines, from small business to multinational
Cons
- No published prices
- Mostly sold through agents and brokers
- Personal lines aimed at high-value homes and possessions
- BBB D- rating with 104 complaints in 3 years
- Coverage and availability vary by state
Best for: Businesses that want broad coverage and risk services from a top-rated insurer, and owners of high-value homes, cars and collections.
Skip it if: You want the lowest premium on a modest home or car, prefer to buy entirely online, or want published prices before talking to anyone.
Chubb vs. competitors
| Company | J.D. Power 2026 small commercial study | AM Best rating | Next step |
|---|---|---|---|
| Chubb | 746, ranked second | A++ (main US companies) | |
| The Hartford | Not in the top three | A+ (Hartford Fire pool) | Visit site |
| Erie Insurance | 760, ranked first | Read review | |
| Allstate | 732, ranked third | Read review |
Business insurance companies we reviewed
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Chubb This review BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Businesses that want broad coverage and risk services from a top-rated insurer, and owners of high-value homes, cars and collections. -
biBerk BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Small, low-risk businesses such as consultants, shops and small contractors that want to buy standard coverage online from a financially strong insurer. -
Next Insurance BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Freelancers and small, low-risk businesses that want to buy common business coverage and certificates online in minutes. -
Hiscox BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Consultants, IT and marketing firms and other service businesses that need E&O or general liability fast and want a financially strong carrier. -
The Hartford BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Established small businesses that want several coverages from one financially strong carrier and value agent help. -
Erie Home BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Homeowners who plan to stay put or sell later and want a long-lasting steel roof with a transferable warranty, and who will compare at least two other bids.
Chubb pricing at a glance
What Chubb publishes about cost, October 20265
| Coverage | Price | What affects it |
|---|---|---|
| Small business (BOP, workers' comp, cyber) | Not published; online quote | Industry, payroll, revenue, location, claims history and limits |
| Middle market and large business | Not published; through a broker | Risk profile, locations, loss history and program design |
| High-value homeowners | Not published; through an agent | Home value and rebuild cost, location, deductible, protective devices |
| Homeowners deductible | You choose | Chubb waives the deductible in most states when the base deductible is $50,000 or less and a covered loss exceeds $100,000 |
Chubb does not post sample premiums. Get quotes from at least two other insurers with the same limits and deductibles before deciding.
Chubb, step by step
Find an agent or start a quote
Small businesses can request a quote online; homeowners and larger businesses work with an independent agent or broker appointed with Chubb.
Risk review
For homes, a Chubb risk consultant can visit to appraise the home at no additional cost; businesses may get loss control and risk engineering services.
Choose limits and deductibles
Your agent tailors coverage, such as extended replacement cost on a home or cyber and professional liability for a business.
Pay and manage the policy
Use the Chubb client portal or mobile app to pay bills and access ID cards.
File a claim
Report claims online, which Chubb says is available 24/7, or through your agent.
Chubb legitimacy and licensing
Yes. Chubb Limited is a Swiss-incorporated holding company headquartered in Zurich and listed on the NYSE under CB. It reported $54.8 billion in net premiums written for 2025 and about 45,000 employees, with operations in 54 countries and territories. In the US, its policies are issued by companies such as Federal Insurance Company, Pacific Indemnity, Great Northern and ACE American, each licensed by state insurance regulators.
As of September 24, 2026, Chubb’s main US insurers held AM Best A++ (Superior), S&P AA, Moody’s Aa2 and Fitch AA financial strength ratings, all with stable outlooks. Those ratings measure ability to pay claims, not customer service, so check complaint records too.
Chubb business insurance
Chubb serves businesses from start-ups to multinationals. For small businesses it offers a Business Owner’s Policy for property and liability, workers’ compensation, cyber insurance (which it has written since 1998), management and professional liability, and a foreign package policy for US companies with overseas travel. You can start a small business quote online. Middle market and large companies buy through brokers and can add risk engineering and loss control services.
Chubb ranked second in J.D. Power’s 2026 U.S. Small Commercial Insurance Study with 746 points, behind Erie (760) and ahead of Allstate (732), against an industry average of 713.
Chubb home, auto and valuables insurance
Chubb’s personal insurance is built for affluent households. Its homeowners policy includes replacement cost on contents without depreciation, extended replacement cost that can pay to rebuild even above your policy limit, temporary housing, and a cash settlement option if you choose not to rebuild after a total loss. A risk consultant can appraise your home at no additional cost, and HomeScan uses infrared imaging to spot leaks or wiring problems behind walls.
Chubb also insures cars and classic cars, jewelry, art and wine, boats and yachts, and travel, and offers pet insurance through Healthy Paws. Personal policies are sold through independent agents.
What customers say about Chubb
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Fast, straightforward claim handling
- Responsive staff
- Strong financial ratings
- Broad coverage for high-value homes and collections
Common complaints
- Slow replacement or payout after a claim is approved
- Long waits and slow updates from support
- Hard to reach the right person without an agent
Chubb cost
Chubb does not publish prices. Your premium depends on what you insure, where, your claims history and the limits and deductibles you choose. One cost feature it does publish: on homeowners policies with a base deductible of $50,000 or less, Chubb waives the deductible in most states if a covered loss exceeds $100,000. Ask your agent for quotes from at least two other insurers with matching coverage, since a richer policy is only worth it if you need those features.
Chubb complaints and how to avoid problems
Chubb’s BBB profile has a D- rating, is not accredited, and lists 104 complaints in the last 3 years. Its Trustpilot page, which mainly reflects European device and travel policies, averages 4.3 out of 5 but with 29% one-star reviews about slow claims and support. Common issues across insurers include renewal increases and claim delays.
- Document your home and valuables with photos and receipts, and keep appraisals current.
- Report claims promptly and keep a written log of every call.
- Ask your agent to escalate if a claim stalls; they have direct contacts at the insurer.
- Check Chubb’s complaint record for the specific insurance company on your policy using the NAIC Consumer Insurance Search.
Rules that protect you
Insurance in the US is regulated by state insurance departments. They license each Chubb company and take complaints about claim handling, cancellations and non-renewals. If you disagree with a claim decision, ask for the denial in writing with the policy language it relies on, then file a complaint with your state insurance department if the appeal fails.
Who should look elsewhere
Chubb is usually not the budget choice. Owners of modest homes or ordinary cars may pay for features they will never use, and people who want to buy and manage everything online may prefer a direct insurer. Small businesses that want published average premiums before they call can start with The Hartford, and anyone can ask an independent agent to quote Chubb alongside other carriers.
Alternatives to Chubb
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Publishes average small business premiums and sells direct, useful if you want price guidance before you call an agent.
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Erie Home
Ranked first in J.D. Power's 2026 small commercial study, in the states where Erie operates.
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An independent agent comparison
An independent agent can quote Chubb and several rivals at once at no direct cost to you, which is the simplest way to check whether Chubb's price is fair.
Next steps
Chubb reviews
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Frequently asked questions
Is Chubb a good insurance company?
Chubb has top financial strength ratings (AM Best A++, S&P AA) and ranked second in J.D. Power's 2026 small commercial study. Its BBB profile has a D- rating, so read complaint data for your state alongside the ratings.
Who owns Chubb?
Chubb Limited, a public company headquartered in Zurich and listed on the NYSE as CB, is the parent of the Chubb Group of Companies.
What is Chubb's AM Best rating?
Chubb's main US insurers, such as Federal Insurance Company and ACE American, are rated A++ (Superior) by AM Best with a stable outlook, as of September 24, 2026.
Is Chubb expensive?
Chubb does not publish prices, and its personal policies are designed for high-value homes and possessions with broad coverage. Get competing quotes with the same limits to judge the price.
Can I buy Chubb insurance directly?
Small businesses can start a quote online. Homeowners, auto and larger business policies are sold through independent agents and brokers.
Does Chubb sell small business insurance?
Yes. Chubb offers a Business Owner's Policy, workers' compensation, cyber, management and professional liability and foreign package coverage for small businesses.
What is Chubb HomeScan?
HomeScan is a Chubb service that uses infrared technology to look for problems behind walls, such as leaks, missing insulation or faulty wiring, before they cause damage.
Does Chubb offer cash settlement after a total loss?
Yes. If your home is a covered total loss and you decide not to rebuild, or to rebuild elsewhere, Chubb offers a cash settlement up to your policy limit.
Does Chubb offer pet insurance?
Yes, through Healthy Paws, which is part of Chubb. Healthy Paws policies are underwritten by Chubb companies.
How do I file a claim with Chubb?
Report a claim through Chubb's website, which offers 24/7 claims service, or ask your agent to report it. Keep photos, receipts and a log of calls.
Sources (10)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- SEC EDGAR: Chubb Limited Form 10-K for 2025 (accessed October 12, 2026)
- Chubb Investor Relations: Ratings summary as of September 24, 2026 (accessed October 12, 2026)
- Chubb: Small business insurance (accessed October 12, 2026)
- Chubb: Insurance for individuals and families (accessed October 12, 2026)
- Chubb: High value homeowners insurance (accessed October 12, 2026)
- InsuranceNewsNet (J.D. Power release): 2026 U.S. Small Commercial Insurance Study (accessed October 12, 2026)
- BBB: Chubb Ltd. profile (accessed October 12, 2026)
- Trustpilot: Chubb reviews (accessed October 12, 2026)
- Healthy Paws: Pet insurance underwriting disclosure (accessed October 12, 2026)
- NAIC: Consumer Insurance Search (from naic.org) (accessed October 12, 2026)
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