The form is better than the price, and on the right account that is the correct trade.
An honest assessment of Chubb from an agency that places them — a broad, well-written form that costs more than the cheap answer, and the accounts where paying for it is the right decision.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What we place with Chubb.
Business owners policies
The largest single thing we place with them, and usually on accounts where the form matters.
Without it — A broader package than the budget markets write, with fewer of the sublimits that decide claims.
Lessors risk and property owners
Landlords of non-residential buildings are the biggest class we write here.
Without it — A building with tenants is a form question more than a price question, and this is a form that reads well.
Cyber
Real cyber rather than a data-breach endorsement, including first-party cover.
Without it — The distinction between cyber and a breach-notification add-on is most of what decides a cyber claim.
Crime
Employee dishonesty and social engineering, which is a growing part of what we place here.
Without it — Social engineering is a named sublimit on most forms and absent on the cheap ones.
What people ask us about Chubb.
What do you actually place with Chubb?
Business owners policies first, then cyber, workers compensation and crime. The classes are commercial landlords, professional employer organizations, home health agencies and glazing contractors.
Are they expensive?
Often, compared with a budget market, and that is the honest framing rather than a defense. What you are buying is a broader form with fewer sublimits, so the comparison worth making is not the premium but what each policy does on the claim you are most likely to have.
Who would you send to them?
An account with something worth protecting — a building, real revenue, a contract with teeth, or a claim history that makes the form matter. A very small clean risk usually does better somewhere cheaper.
Why go through a broker instead of buying direct?
Because it does not cost you anything, which is the part that surprises people. Broker compensation is built into the carrier’s rate whether you use one or not — buying direct does not remove the cost, it removes the person being paid to be on your side of it.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.