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 current U.S. commercial appetite is centered on small business through upper middle market accounts, with stated revenue support from under $30 million up to $1 billion and appetite spanning about 90% of U.S. GDP. The official Commercial Risk Appetite Tool is intended for agents and brokers to search by state, revenue band, industry, and SIC/NAICS, and it classifies lines as strong, qualified, or none/not applicable. Chubb highlights Package, Property, General Liability, Auto, Workers Compensation, Equipment Breakdown, Multinational, Financial Lines, and related coverages as part of this framework. Preferred commercial sectors called out on official appetite pages include life sciences, technology, professional services, financial institutions, entertainment/media, natural resources/power, advanced manufacturing, printing/publishing, chemical/allied, plastics, metal workers, private equity, and some cultural institutions. For umbrella/excess specifically, Chubb shows strong appetite for asset management, banks/lending institutions, insurance companies, insurance agents, accountants/auditors, advertising/PR agencies, business consultants, law firms, clinical trials, life sciences service organizations, medical devices, pharmaceutical/biotechnology, private equity, advanced manufacturing, printing/publishing, chemical/allied, plastics, metal workers, software developers, hardware manufacturers, network service providers, technology service providers, power, broadcasters, film production, theater production, and entertainment services. Qualified or case-by-case umbrella classes include climate tech, federal government contractors, food manufacturing, retailers, wholesalers, hospitality, public entity, aviation, marine facilities, membership trade organizations, mining, and petroleum. Limited or no appetite on the umbrella appetite page is specifically called out for architects/engineers, educational institutions, real estate, transportation, and construction. Geographic note: the commercial appetite tool specifically requires a primary state of focus, indicating state-specific appetite evaluation; no broad national geographic exclusions were publicly stated on the pages reviewed, but underwriting fit is state- and industry-sensitive. Submission/producer workflow notes: Chubb directs agents/brokers to use the Chubb Agent Portal to quote, bind, issue, and modify accounts, and Marketplace is promoted for small business quote/bind/issue activity. If appetite guidance is insufficient, Chubb invites brokers to contact a Chubb expert from the appetite tool. For express umbrella business, Chubb maintains a producer guideline page requiring the applicant to first satisfy online eligibility and minimum underlying policy requirements; industry-specific Step 3 underwriting materials are in a secure producer area and require appointment plus Chubb Partner ID/password. That page also indicates appointed brokers can reserve, quote, bind, and issue through Chubb Express Umbrella. Personal lines: Chubb’s U.S. personal platform emphasizes tailored coverage for higher-end individuals and families across home, valuables, flood, boats & yachts, auto, liability, cyber, and related services. For boat/watercraft quoting, Chubb has an official quote form where an agent will contact the prospect; the form asks for vessel year, make, model, mooring state, insured contact details, and includes an operations description field if the account is commercial lines. Publicly available personal lines pages reviewed did not provide detailed declined-class or underwriting-rule grids for home or watercraft, so operational underwriting should rely on appointed-agent channels for deeper eligibility details. Broker note: Chubb also publishes U.S. producer compensation/disclosure information and states it will disclose commission information on request.