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
Overall appetite - Broad multiline carrier with strong focus on small commercial, middle market, and high‑net‑worth personal lines. Emphasis on well-managed, financially sound insureds with good loss history and strong risk controls. - Uses a published appetite tool for agents/brokers by line of business and state to confirm target, neutral, or out-of-appetite risks before marketing or submission. Commercial – general notes - Target: well-established businesses with stable operations, professional management, and a track record of safety and loss control. Clean to moderate loss history; willing to implement carrier recommendations. - Typically prefers bundled/package placements (property + GL + auto + umbrella + workers comp) rather than monoline when practical. - Out of appetite: distressed risks, poor or inconsistent loss history, inadequate maintenance, or insureds unwilling to invest in risk control. - Agents are expected to consult the appetite tool by state and class and follow local underwriter guidance for exceptions or referrals. Workers Compensation - Target: businesses with strong safety programs, documented procedures, and management engagement in loss prevention. Favorable experience mod when applicable; limited severity losses. - Preferred industries vary by state and are mapped in the appetite app; typical focus is on professional services, light manufacturing, select construction, wholesale, and habitational/real estate with established risk management. - Limited appetite for very heavy industrial, high-hazard construction, or risks with significant uninsured subcontractor exposure. - Expect complete ACORD apps, current loss runs, experience mod worksheets, and description of safety programs/return-to-work where applicable. Commercial Property & Commercial Package - Target: quality construction, newer or well-maintained buildings, and accounts using modern life-safety and protective systems (sprinklers, central station alarms, updated electrical, plumbing, and roofs). - Favors accounts with higher-than-minimum limits, business income coverage, and proactive risk engineering engagement. - Restricted/declined: substandard construction, significant unprotected wildfire or catastrophe exposure without mitigation, poor housekeeping, or significant unaddressed recommendations from prior carriers. - Geographic notes: CAT-exposed regions (e.g., coastal wind, wildfire zones) may be subject to higher underwriting standards, insurer-imposed moratoria at times, and requirements for mitigation measures and higher deductibles. - Submission expectations: detailed statement of values, construction/occupancy/protection/exposure (COPE) details, photos or diagrams for complex locations, and five-year loss history where available. Commercial Umbrella/Excess - Target: middle-market risks with coordinated primary program (often written by Chubb) and strong underlying limits that meet Chubb minimums. - Prefers to sit excess of well-structured primary GL/auto/employers liability; clean or moderate loss history with no severe, uncontrolled exposure trends. - Declines or restricts: high-hazard products, premises, or auto fleets with poor safety culture, nuclear/chemical exposures, or accounts seeking unsupported excess over unknown or unacceptable primaries. - Standard submission: schedule of underlying policies and carriers, limits, five-year loss runs (ground-up), and narrative on any large losses and corrective actions. Homeowners / Personal Insurance (high-net-worth focus) - Target: owners of fine homes and collections, typically higher-value dwellings with strong maintenance and favorable protection (sprinklers, monitored alarms, secondary protections in high CAT areas). - Prefers fully-rounded accounts (home + auto + valuables + umbrella, and watercraft where applicable) placed with Chubb or coordinated through an approved broker or Chubb Insurance Solutions Agency. - Tighter underwriting in catastrophe‑exposed areas (e.g., wildfire and coastal wind): may impose higher minimum dwelling values, mitigation requirements (defensible space, hardening, roof standards), and higher deductibles; uses stricter risk selection in some states. - Declines: highly exposed or unmitigated catastrophe risks, homes under major construction without appropriate builders risk arrangements, and short-term rental‑driven occupancies when not aligned with guidelines. Boats / Watercraft & Recreational Marine - Target: personal pleasure boats (generally up to 35 feet for standard boat product) and personal watercraft used for non‑commercial purposes, with responsible, experienced operators and good maintenance. - Broader recreational marine segment includes boats and yachts of higher value, but still focuses on pleasure use, safe operation speeds, and sound condition. - Typical expectations: adequate operator experience on similar-sized vessels, no severe prior marine losses, surveyed condition for older or larger craft, and compliance with navigation and mooring requirements. - Declines or restricts: commercial-use vessels, very high-speed craft, or significantly overaged and poorly maintained boats without acceptable survey. Broker / producer and submission notes - Agents and brokers are expected to use the Chubb Appetite App to confirm whether a class and state combination is preferred, neutral, or out-of-appetite before submission; this tool is the primary guide for risk selection and should be referenced on any marketing or remarketing effort. - Submissions should be complete: appropriate ACORD or Chubb applications, detailed narratives (operations, safety/risk control, prior insurance history), and current, valued loss runs (usually five years) are standard expectations for commercial and larger personal accounts. - Chubb supports business through appointed agents, MGAs, and select distribution partners; for some personal lines, brokers may access markets via Chubb Insurance Solutions Agency or other approved intermediaries where direct appointment is not in place. - Underwriters typically expect bundled accounts, strong risk management, and willingness to implement recommendations; marginal, price‑driven or monoline-only submissions have lower likelihood of acceptance. Note: For precise, class- and state‑specific appetite (including disallowed classes and detailed CAT guidance), brokers must consult the Chubb Appetite App and any state bulletins or underwriting communiqués within their agency portal, as these govern current acceptability and may change frequently.