Chubb Insurance (formerly ACE Limited) provides premium commercial insurance solutions including workers compensation insurance, business owners policy BOP, general liability insurance, high value commercial property, cyber liability insurance, directors and officers D&O, and specialty programs for restaurants, manufacturers, real estate, hospitality, and professional services across all 50 states.
This central Chubb hub stores all Chubb insurance reviews 2026, detailed cost guides, coverage comparisons, and provider analysis. Access Chubb workers comp insurance cost, Chubb general liability insurance rates, Chubb BOP pricing, Chubb commercial property insurance, Chubb cyber insurance coverage, and Chubb D&O insurance information.
Chubb Insurance Coverage Portfolio
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Workers Compensation Insurance from Chubb
Chubb offers workers comp insurance with advanced risk management, occupational health programs, and global claims expertise. Coverage includes medical benefits, indemnity payments, rehabilitation services, and employer liability with worldwide extensions available.
Key Industries:
- Manufacturing (heavy industry workers comp cost)
- Hospitality (hotel insurance programs)
- Construction (roofing liability insurance)
- Healthcare (malpractice insurance for healthcare professionals)
Average Rates (2026):
| Annual Payroll | Industry | Monthly Premium |
|---|---|---|
| $100,000 | Manufacturing | $450-$1,100 |
| $250,000 | Hospitality | $1,000-$2,500 |
| $500,000 | Construction | $2,200-$5,500 |
| $1,000,000 | Healthcare | $4,500-$11,000 |
Chubb Workers Comp Features:
- Dedicated claims managers
- Return-to-work programs
- OSHA compliance consulting
- International coverage options
Chubb Business Owners Policy (BOP)
Chubb BOP insurance designed for established businesses with enhanced property coverage, business income extensions (18 months), and ordinance/law improvements. Available up to $5M limits.
Enhanced BOP Coverages:
- Building ordinance/law: $250K
- Business income: 18 months + extra expense
- Equipment breakdown: $100K
- Hired/non-owned auto: Included
Eligible Classes:
- Retail/wholesale operations
- Office/professional services
- Mercantile businesses
- Light manufacturing
BOP Cost Examples:
| Revenue | Business Type | Monthly Premium |
|---|---|---|
| $500K | Retail Store | $95-$185 |
| $750K | Professional Office | $75-$165 |
| $1.5M | Light Manufacturing | $185-$375 |
| $2M | Wholesale | $225-$450 |
Chubb General Liability Insurance
Chubb general liability insurance offers broad form coverage with worldwide territory, employee benefits liability, and liquor liability options. $1M-$5M limits standard.
Coverage Scope:
- Primary/Excess liability programs
- Worldwide coverage territory
- Employment practices liability
- Product liability extensions
Industry Rates ($2M Limits):
| NAICS | Business | Monthly Rate |
|---|---|---|
| 722110 | Full Service Restaurants | $125-$325 |
| 236220 | Commercial Contractors | $150-$425 |
| 541110 | Offices of Lawyers | $85-$225 |
| 423990 | General Merchandise Wholesalers | $95-$225 |
Chubb Commercial Property Insurance
Chubb commercial property insurance specializes in high value/excess property risks with business income interruption up to 24 months, extra expense coverage, and contingent business interruption for key suppliers/customers.
Property Program Features:
- Blanket coverage options
- Agreed value policies
- Earthquake/flood endorsements
- Valuable papers/accounts receivable
Rate Examples (Replacement Cost):
| Building Value | Occupancy | Annual Rate |
|---|---|---|
| $1M | Retail | $4,500-$9,000 |
| $2.5M | Office | $6,750-$13,500 |
| $5M | Manufacturing | $18,000-$37,500 |
| $10M+ | High Value | Custom Quote |
Chubb Directors & Officers (D&O) Insurance
Chubb D&O insurance protects executives against wrongful acts claims including fiduciary liability, employment practices, and regulatory investigations. Side A/D/F coverage available.
D&O Coverage Limits:
- $1M-$25M primary/excess
- Worldwide coverage
- Non-profit/private company programs
- Employment practices liability combined
Cost by Revenue:
| Revenue | Employees | Annual Premium |
|---|---|---|
| $5M | 25 | $8,500-$18,000 |
| $25M | 75 | $22,500-$45,000 |
| $100M | 250 | $65,000-$125,000 |
Chubb Cyber Liability Insurance
Chubb cyber liability insurance provides comprehensive first-party/third-party coverage for data breaches, ransomware, regulatory compliance, and cyber extortion with limits up to $100M.
Cyber Coverage Includes:
- Incident response costs
- Forensic investigation
- Customer notification/credit monitoring
- Regulatory fines/penalties
- PR/media liability
Premium Ranges:
| Revenue | Limit | Annual Cost |
|---|---|---|
| $5M | $1M | $12,500-$25,000 |
| $25M | $5M | $35,000-$75,000 |
| $100M+ | $10M+ | $125,000+ |
Chubb Insurance by Industry Sector
Hospitality & Restaurants
- Hotel insurance comprehensive programs
- Restaurant insurance cost per month analysis
- Liquor liability insurance cost coverage
- Banquet hall/event venue insurance
Construction & Real Estate
- Commercial real estate insurance programs
- Roofing general liability insurance
- Builders risk policy coverage options
- Property management insurance requirements
Professional Services
- Professional indemnity insurance for accountants
- Architects professional liability insurance
- Lawyers malpractice insurance programs
- Management liability insurance for executives
Manufacturing & Wholesale
- Manufacturers output policy coverage
- Product liability insurance cost analysis
- Commercial property insurance companies comparison
- Equipment rental insurance programs
Retail & Mercantile
- Retail shop insurance comprehensive coverage
- Convenience store insurance requirements
- Grocery store insurance programs
- Ecommerce insurance coverage options
Chubb Complete Articles & Guides Hub
Central repository for all Chubb insurance content and resources:
Published Chubb Guides:
• Chubb General Liability Insurance 2026: Coverage & Cost Analysis
• Chubb Workers Compensation Insurance: Manufacturing & Construction Programs
• Chubb Business Owners Policy vs AmTrust BOP: Premium Comparison 2026
• Chubb High Value Commercial Property Insurance Complete Guide
Coming Soon:
• Chubb Cyber Liability Insurance 2026: Enterprise Risk Protection
• Chubb Directors & Officers Insurance for Private Companies
• Chubb Restaurant & Hospitality Insurance Packages
• Chubb Commercial Real Estate Insurance Coverage Options
Chubb Premium Comparison Chart
Annual Costs for $1M Revenue Businesses (2026):
| Coverage | Chubb | AmTrust | Travelers | Liberty Mutual |
|---|---|---|---|---|
| Workers Comp | $5,500 | $3,800 | $4,200 | $4,800 |
| BOP ($1M) | $2,400 | $1,800 | $2,100 | $2,300 |
| Commercial Property ($2M) | $12,000 | N/A | $9,500 | $11,000 |
| Cyber ($2M) | $28,500 | $2,800 | $22,000 | $25,000 |
| D&O ($1M) | $12,500 | N/A | $15,000 | $14,500 |
Chubb Financial Ratings & Customer Insights
Strengths:
• AM Best: A++ (Superior) - highest rating
• Claims satisfaction: Industry-leading
• Global resources for multinational risks
• Risk engineering/consulting services
• High limits available ($100M+ capacity)
Industry Recognition:
• Property/Casualty 500: Top 13 writer
• 2025 Direct Written Premiums: $45B+
• Fortune 500 company since 2017
Frequently Asked Questions
What is the average Chubb workers comp insurance cost?
$2.20-$5.50 per $100 payroll for construction/manufacturing, $1.80-$4.50 for hospitality, varies by experience modification rate and state.
Does Chubb offer business owners policy insurance?
Yes, Chubb BOP provides enhanced coverage for retail, office, and light manufacturing businesses up to $5M limits with 18-month business income protection.
What commercial property coverage does Chubb provide?
High value property programs with replacement cost valuation, earthquake/flood options, 24-month business income, and contingent business interruption coverage.
Can I get Chubb cyber liability insurance for my business?
Yes, comprehensive cyber coverage from $1M-$100M limits including incident response, regulatory fines, and PR crisis management for all business sizes.
Does Chubb insure restaurants and hospitality businesses?
Yes, full-service restaurants, hotels, and banquet facilities with liquor liability, property, and business income coverage tailored to hospitality risks.
What are Chubb D&O insurance rates for private companies?
$8,500-$125,000 annually depending on revenue, employee count, and industry with worldwide coverage and employment practices liability included.
How do I get a Chubb insurance quote?
Contact an appointed Chubb broker/agent with your detailed business profile including NAICS code, revenue, payroll, and risk characteristics.
Does Chubb offer general contractor insurance?
Yes, comprehensive coverage including workers comp, general liability, builders risk, and commercial auto for residential/commercial contractors.
What makes Chubb different from other commercial insurers?
A++ AM Best rating, global risk engineering, high-limit capacity ($100M+), and superior claims handling distinguish Chubb for complex, high-value risks.
Obtaining Chubb Insurance Coverage
Quote Process:
- Producer Directory – Connect with appointed broker/agent
- Risk Profile – Submit detailed underwriting information
- Risk Engineering – Optional on-site assessment for complex risks
- Custom Proposal – Tailored coverage with multiple options
- Account Management – Dedicated servicing team post-binding
Best Contact Method: Independent insurance broker with Chubb appointment.
Chubb Insurance Complete Hub – Updated January 2026. Centralized resource for all Chubb commercial insurance articles, cost guides, and coverage details for USA businesses across all industries. Premiums based on published market data. Coverage availability subject to underwriting approval.