Insurance · Workable depending on profile
Chubb Review
Major A++ carrier with a deep small-business program covering 500+ classes, including artisan contractors
Quick verdict
Chubb is best for Established or growing trades businesses — especially with meaningful revenue, payroll, or complexity — that want a top-tier A++ carrier with deep coverage that can scale with them. Quote speed: Online quote for small business, or via an agent/broker. Pricing: Varies by class and revenue; BOP for businesses up to $30M revenue across 500+ classes. Primarily agent/broker-distributed, premium-priced rather than cheapest, and oriented to established/growing shops — but the A++ strength, 500+ classes including artisan contractors, and coverage depth are best-in-class. Very small budget-focused shops may prefer a leaner option..
About Chubb
Chubb is one of the largest and most financially powerful property-and-casualty insurers in the world, and its small-business program brings that strength down to the contractor level. Rated A++ (Superior) by AM Best and consistently ranked among the top small-business insurers (US News ties it at No. 3), Chubb writes a business owner's policy for companies up to $30M in revenue across more than 500 business classes — explicitly including artisan contractors — in all 50 states and D.C.
For a trades business, Chubb's appeal is depth and stability: a broad menu of coverages (BOP, general liability, workers' comp, commercial auto, umbrella, cyber, professional liability), the underwriting sophistication to handle larger and more complex contracting operations, and the financial backing to pay big claims without question. Where a lean digital carrier focuses on the simplest small policies, Chubb can grow with a contractor from a small BOP up to a more complex, higher-revenue program.
The trade-offs are the classic big-carrier ones. Chubb distributes largely through agents and brokers (with a small-business online quote path), so the experience can be less instant-self-serve than biBERK or Huckleberry, and as a premium carrier its pricing targets value and coverage breadth rather than being the cheapest option for a one-person shop. Like most large carriers, its consumer-facing review scores reflect claims-process scrutiny more than its (excellent) financial ratings.
For an established or growing trades business — especially one with meaningful revenue, payroll, or complexity that wants a top-tier carrier that can scale with it — Chubb is one of the strongest names available. A very small or budget-focused shop may find a leaner direct carrier or digital broker simpler, but for contractors who value financial strength and coverage depth, Chubb belongs on the shortlist (typically quoted through an agent).
How it works
Chubb's small-business coverage is available online for simpler policies and, more commonly, through independent agents and brokers who place your business with Chubb. You (or your agent) provide details about your trade, revenue, payroll, and exposures; Chubb underwrites across 500+ classes including artisan contractors and offers a business owner's policy for companies up to $30M in revenue, plus general liability, workers' comp, commercial auto, umbrella, cyber, and professional liability. Coverage is backed by Chubb's A++ (Superior) financial strength, and you are serviced by Chubb (often via your agent) for policy changes, certificates, and claims.
Pros & cons
What works
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A++ financial strength
Chubb is rated A++ (Superior) by AM Best and is one of the world's largest P&C insurers — top-tier assurance that large workers' comp, liability, or property claims will be paid.
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500+ classes, including artisan contractors
Chubb's small-business program explicitly covers artisan contractors among 500+ classes, with a BOP for businesses up to $30M revenue — broad enough for most trades and room to grow.
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Deep coverage menu
BOP, general liability, workers' comp, commercial auto, umbrella, cyber, and professional liability under one top-tier carrier, so a contractor can consolidate coverage as the business grows.
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Scales with the business
Unlike lean digital carriers focused on the simplest policies, Chubb has the underwriting depth to handle larger, more complex contracting operations and higher revenue.
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Nationwide, top-ranked
Available in all 50 states and D.C., and consistently ranked among the best small-business insurers (US News ties it at No. 3).
What doesn't
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Mostly agent/broker distribution
Chubb is primarily placed through agents and brokers (with a limited online path), so getting covered is less instant-self-serve than biBERK or Huckleberry — you typically work through an agent.
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Premium positioning, not cheapest
As a premium carrier, Chubb competes on coverage breadth and strength rather than rock-bottom price. A one-person shop on a tight budget may find a leaner carrier cheaper.
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Better fit for established/growing shops
Its depth is most valuable for businesses with real revenue, payroll, or complexity. A very small, simple operation may not need (or want to pay for) Chubb's breadth.
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Big-carrier service experience
Like most large insurers, consumer review scores reflect claims-process scrutiny; the experience can feel more corporate than a nimble digital broker, and an agent intermediary is usually involved.
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Quote process less instant
Beyond simple policies, expect an agent-mediated quote rather than a five-minute online bind, which is slower if you just need a quick certificate.
Coverage
- Insurance lines
- bopgeneral liabilityworkers compcommercial autoumbrellacyberprofessional liability
- Geographic coverage
- All 50 states and Washington, D.C.
- Typical premium range
- Varies by class and revenue; BOP for businesses up to $30M revenue across 500+ classes
- Quote speed
- Online quote for small business, or via an agent/broker
- Affiliate program
- Unknown. No public publisher affiliate program confirmed — outreach required to determine availability..
External ratings & sentiment
Trustpilot
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BBB
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A.M. Best
A++ (Superior)
respected for financial strength and coverage depth; seen as premium and agent-distributed rather than a budget self-serve option
Frequently asked
Does Chubb insure contractors?
Yes — Chubb's small-business program covers 500+ business classes explicitly including artisan contractors, with a business owner's policy for companies up to $30M in revenue, plus general liability, workers' comp, commercial auto, umbrella, cyber, and professional liability, in all 50 states and D.C.
How financially strong is Chubb?
Very — Chubb is rated A++ (Superior) by AM Best, the top tier, and is one of the largest property-and-casualty insurers in the world. For paying large trades claims, that financial strength is best-in-class.
How do I get a Chubb quote?
Chubb offers an online quote for simpler small-business policies, but it is primarily placed through independent agents and brokers, who match your trade and exposures to Chubb's program. Established or complex contracting operations usually go through an agent.
Is Chubb worth it versus a cheaper carrier?
For established or growing trades businesses that value financial strength, coverage depth, and the ability to scale, yes. For a very small, simple, budget-focused shop, a leaner direct carrier (biBERK) or digital broker (Huckleberry, Simply Business) may be cheaper and faster. Compare quotes.
Other insurance providers
NEXT Insurance (Ergo NEXT)
Tier SDirect digital insurance built for small contractors — online quote, bind, and certificate-of-insurance in 10 minutes
Hiscox
Tier FEstablished direct carrier for SMB contractors with strong digital quoting — though 2025 reputation has deteriorated
Simply Business
Tier SOnline insurance broker (Travelers-owned) — shops multiple carriers and lets you compare quotes in one form
CoverWallet
Tier SOnline insurance broker owned by Aon — comparison quoting plus account-management dashboard for multi-policy contractors
Embroker
Tier SMid-market-focused online broker with deeper professional liability and cyber coverage capacity
Insureon
Tier AOnline broker with dominant SEO presence — solid quoting infrastructure but no clear differentiation vs Simply Business or CoverWallet