Last Updated: February 16, 2024, 1:27 pm by TRUiC Team

Chubb Business Insurance Review 2024

Chubb is a New York-based insurance provider. Chubb currently sells business insurance to over 1 million small businesses throughout the US.

Recommended: Every business is unique— find the best match for your business in our Best Small Business Insurance review.

Chubb logo with a star rating of 3.1/5

Chubb Business Insurance

Chubb was founded in 1882 in New York City. The insurance provider offers many types of business insurance, such as accident & health insurance as well as commercial general liability insurance. Small businesses can also purchase a commercial package which groups several types of business insurance under one umbrella.

The most popular coverage Chubb offers is their commercial package policy. Chubb is the fourth largest underwriter for packaged insurance policies.


  • Range of insurance offerings
  • Home business discounts
  • New business friendly
  • Surplus lines provider
  • Expert claims handling
  • Great customer service


  • Limited online quotes
  • Little rate transparency
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Looking for the best policy at the best price? Check out our Best Small Business Insurance review.

Types of Insurance Offered by Chubb:

Chubb provides many types of insurance to small businesses. One of the main benefits of choosing Chubb as your business insurance provider is their packaged commercial insurance policies that can combine multiple types of coverage into one premium. With Chubb, you can bundle everything from commercial auto policies to event insurance under the same company.

Chubb provides many types of insurance to small businesses. The most common policy Chubb sells is their packaged insurance policy which protects businesses from various liabilities.

Additional types of insurance provided by Chubb include:

  • Accident & Health
  • Commercial General Liability
  • Commercial Package
  • Cyber
  • Environmental
  • ESIS
  • Event Insurance
  • Excess & Surplus
  • Global Casualty
  • International Solutions
  • Management Liability
  • Marine
  • Medical Liability
  • Political Risk
  • Product Recall
  • Professional Liability
  • Property
  • Railroad
  • Reinsurance
  • Small Business
  • Specialty Casualty
  • Surety
  • Trade Credit
  • Umbrella & Excess Casualty
  • Workers Compensation
  • Workplace Benefits

Visit Chubb’s website for a complete list of insurance types.

Chubb Review Ratings

Value — 3/5

Overall, Chubb works well for most businesses because they offer many types of small business insurance suitable for the majority of small businesses. They do not offer quotes online for every insurance type. You’ll have to call to receive a quote for a policy not covered online. There are no visible quote averages on their website which contributed to the sticker shock we felt when we called to get a quote. Their insurance is on the higher side.

Customer Service — 3/5

Chubb’s customer service is friendly and professional. Our overall experience was good; however, some online customer reviews have complained about Chubb.

Ease of Use — 3.5/5

Applying for general liability insurance was a convenient experience. We called their customer service number and got a fast quote. We didn’t get a quote online, but this was an option.

Included Features — 3/5

We find Chubb’s approach to insurance acceptable because of their great customer service, quick quotes, and large variety of small business insurance types offered. These are the primary features we like about Chubb, but other features we like include:

  • Great business opportunity policies
  • Cater to many industries

Final Thoughts on Chubb

Chubb may be the right insurance solution for your business if you want a quick quote; however, their quotes seem higher than some of their competitors.

Chubb makes purchasing small business insurance convenient, as you can call them to request a quote or get an online quote for some of their insurance types. When calling for a quote, they picked up right away. Chubb provides friendly customer service but more expensive quotes.

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Recommended: Read our review of the best small business insurance companies.

Our Approach

Choosing the best business insurance comes down to three things:

  1. The type of business you have
  2. What you need to insure
  3. Which insurer offers the best small business insurance quote

We selected the best business insurance providers by reviewing numerous insurance companies online. Then, we analyzed them to understand the types of businesses they best serve. And finally, we narrowed down what types of insurance they provide.

We also looked into which insurers provide the best quotes, customer service, and any other aspect that makes them unique.

Chubb FAQs

Who is Chubb?

Chubb is a small business insurance provider that offers many types of small business insurance. They have been in business since 1882 and service over 1 million small businesses throughout the US.

Is Chubb insurance legit?

Chubb is a legal entity that has been in business since 1882. They sell business insurance throughout the United States. Insurance is a heavily regulated industry. Rest assured, Chubb is a legitimate business and recognized brand. They are also listed on the NYSE.

What type of insurance do you need for a business?

All businesses should carry general liability insurance. It covers you and your employees against potential liabilities to third parties should your products or services cause bodily injury or property damage. Depending on the type of business you operate, you may need other types of insurance.

Can I purchase business insurance online through Chubb?

Chubb’s website does permit small business owners to apply for some types of business insurance online. To purchase, you can visit their website or call their customer service number.

What’s the most popular small business insurance from Chubb?

Chubb’s most sold small business insurance policy is general liability insurance. This policy protects a business from liability if a customer gets hurt or negligence occurs. Chubb is the second largest insurance company.

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