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Chubb Review
Global insurer with a small-business program covering 500+ classes, including artisan contractors
Quick verdict
Chubb is best for established or growing trade businesses with up to $30 million in revenue that want an insurer with a broad coverage menu, quoted online or through an agent. Quote speed: Quote request on Chubb's website, or through an independent agent or broker. Pricing: Quoted; Chubb does not publish prices. Its small-business BOP and workers' comp cover businesses with up to $30M in revenue. Chubb publishes no prices, its website quote link leads to a request form rather than an instant purchase, and the small-business program tops out at $30 million in revenue.
About Chubb
Chubb is a global property and casualty insurer. Its parent, Chubb Limited, is listed on the New York Stock Exchange (NYSE: CB) and has its business address in Zurich, Switzerland. Chubb says it operates in 54 countries and territories with about 45,000 employees, traces its origins to 1792, and took its current form in 2016 when ACE Limited acquired the Chubb Corporation.
For small businesses, Chubb offers a business owner's policy for companies with up to $30 million in revenue in more than 500 business classes, and it names artisan contractors among the eligible industries. The BOP combines property and liability coverage, with options such as data breach, employment practices liability and crime, and Chubb suggests pairing it with workers' compensation, commercial auto, umbrella and cyber coverage. Its small-business workers' comp covers businesses with as little as one employee and up to $30 million in revenue.
You can request a quote on Chubb's website or buy through an independent agent or broker. For workers' comp claims, Chubb says it offers online claims reporting, contacts you within 24 hours on lost-time claims, and uses in-house nurse case managers and return-to-work programs.
The trade-off: a broad coverage menu that can grow with a contractor, but Chubb publishes no prices, so the only way to judge it is a quote from Chubb or an agent next to quotes from other insurers.
How it works
Request a small-business quote on Chubb's website or go through an independent agent or broker who places business with Chubb. You provide your trade, revenue, payroll and exposures. Chubb's BOP is open to businesses with up to $30 million in revenue in more than 500 classes, including artisan contractors, and can be paired with workers' comp, commercial auto, umbrella and cyber coverage. Claims can be reported online, and for lost-time workers' comp claims Chubb says an adjuster contacts you within 24 hours.
Pros & cons
What works
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500+ classes, including artisan contractors
Chubb's BOP covers more than 500 business classes for companies with up to $30 million in revenue, and artisan contractors are named among them.
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Broad coverage menu
BOP, workers' comp, commercial auto, umbrella, cyber and management and professional liability are available from the same insurer.
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Workers' comp claims support
Chubb says it contacts you within 24 hours on lost-time claims and uses in-house nurse case managers and return-to-work programs.
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Online or through an agent
You can request a quote on Chubb's website or work with an independent agent or broker.
What doesn't
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No published prices
Chubb does not publish small-business premiums; you only see a price after a quote.
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Online path is a quote request
The small-business 'Get a Quote' link on Chubb's site leads to a request form, and Chubb also sells through agents and brokers, so the process may involve an agent rather than an instant online purchase.
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Small-business program has a revenue cap
Chubb's small-business BOP and workers' comp pages cover businesses with up to $30 million in revenue; larger firms are outside this program.
Coverage
- Insurance lines
- bopgeneral liabilityworkers compcommercial autoumbrellacyberprofessional liability
- Geographic coverage
- Sold in the US online and through agents and brokers; Chubb's small-business pages do not list states, so confirm availability for your state
- Premiums
- Quoted; Chubb does not publish prices. Its small-business BOP and workers' comp cover businesses with up to $30M in revenue
- Quote speed
- Quote request on Chubb's website, or through an independent agent or broker
- Trade coverage
- HVACPlumbingElectricalRoofingGeneral ContractorsLandscaping & Lawn CareHandyman ServicesPaintingFlooring
- Affiliate program
- Unknown. No public publisher affiliate program confirmed; outreach required to determine availability.
Reviews and complaints at the source
We do not copy third-party review scores onto this page: they change often and we could not verify them. Read Chubb's current reviews at the source.
Frequently asked
Does Chubb insure contractors?
Yes. Chubb's business owner's policy covers more than 500 business classes for companies with up to $30 million in revenue, and it names artisan contractors among them. Chubb also offers workers' comp, commercial auto, umbrella and cyber coverage, and has a construction industry page.
How do I get a Chubb quote?
Request a quote on Chubb's website or contact an independent agent or broker who places business with Chubb. Have your trade, revenue, payroll and vehicle details ready.
How does Chubb compare with an online-only insurer?
Chubb offers a broad coverage menu and sells both online and through agents. It does not publish prices, so compare its quote with quotes from online insurers and brokers before you decide.
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