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
Chubb’s currently published U.S. commercial underwriting guidance centers on its official Commercial Risk Appetite Tool for agents and brokers. The tool is intended for small business through upper middle market accounts, with stated revenue parameters from under $30 million up to $1 billion, and it returns line-by-line appetite by revenue, primary state, industry description, and SIC/NAICS. Appetite results are displayed as Strong, Qualified, None, or N/A, with industry-specific risk indicators that identify factors that improve or limit acceptability. Chubb states broad interest across 25+ industry practices and specifically highlights Life Sciences, Technology, Professional Services, Natural Resources, Financial Institutions, Entertainment, Wholesale, and Educational Institutions as areas of meaningful appetite. For the listed commercial lines, Chubb indicates availability across Package, Property, Workers Compensation, and other core middle-market coverages through this appetite workflow. Commercial Package capability is supported by Customarq and Benchmarq, with Benchmarq positioned as a broad package solution for lower middle market and beyond. Geographic handling is built into the appetite search by primary state of focus, so state selection is a required screening variable rather than a separate static territory guide. Restricted or declined classes are not presented as one universal public decline list; instead, Chubb uses exposure-specific outputs and risk indicators, and classes may fall into Qualified, None, or N/A depending on industry, state, revenue, and operational characteristics. Operationally, submissions should first be screened in the appetite tool using revenue, state, and industry code/description. If the risk fits small business, brokers are directed to Marketplace to quote, bind, and issue eligible small business business online; for larger or more complex lower/middle market opportunities, Chubb instructs brokers to connect with the local underwriter. Broker/producer guidance emphasizes use by appointed agents/brokers via the Chubb Agent Portal, which serves as the main access point for quoting, billing, trends/support tools, and related applications. Chubb also offers direct appointment access for independent agents and brokers through its producer access pathway. Personal lines are present on the main site, including homeowners and watercraft/boat quote pathways, but the verified underwriting/appetite guidance located in this refresh is the commercial broker-facing appetite framework rather than a public personal-lines underwriting manual.