About

Chubb is a global insurance company and the largest publicly traded property and casualty insurer in the world. The company traces its origins to the Chubb Corporation, founded in 1882 by Thomas Caldecot Chubb and his son Percy Chubb in New York City, initially as a marine underwriting firm. The modern Chubb was formed in 2016 when ACE Limited, a Zurich-based insurer, acquired the Chubb Corporation and adopted the Chubb name.

Chubb's personal lines division serves high-net-worth and ultra-high-net-worth individuals through its personal risk services segment, formerly branded as Chubb Personal Insurance. The division provides coverage for high-value homes, fine art, jewelry, wine collections, classic automobiles, yachts, private aviation, and other valuable assets. Policies are tailored to the specific risks associated with substantial personal property portfolios, including agreed-value coverage, worldwide protection for collections, and specialized liability coverage.

The company employs dedicated risk consultants who conduct on-site assessments of insured properties, advising clients on loss prevention measures and asset protection strategies. Chubb's claims service for high-value clients includes access to specialized restoration experts, art conservators, and other professionals relevant to luxury asset recovery.

Chubb operates in 54 countries and territories, with significant operations in North America, Europe, Asia-Pacific, and Latin America. The company is publicly listed on the New York Stock Exchange under the ticker CB. Chubb's personal lines division is recognized within the insurance industry for its focus on affluent clients and its ability to underwrite complex, high-value personal risks that standard insurance carriers typically decline or inadequately cover.

Luxury Insurance

Chubb's personal risk services division provides insurance coverage for high-value homes, fine art collections, jewelry, wine cellars, classic automobiles, yachts, and private aircraft. The company employs dedicated risk consultants who conduct on-site property assessments and advise on loss prevention. Policies feature agreed-value coverage, worldwide collection protection, and specialized claims handling with access to restoration experts and art conservators. Chubb operates in 54 countries.

Brand Details

Brand Tier Premium Luxury
Price Range Varies by coverage
Founded 1882
Headquarters Zurich, Switzerland
Parent Company Chubb Limited (Public)
4.8 2 reviews

AI Reviews

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4.7 /5
Chubb stands as the undisputed leader in high-net-worth insurance, having cultivated over 140 years of expertise protecting the world's most valuable assets. Their Masterpiece® coverage represents the gold standard for discerning collectors, offering agreed-value policies for fine art, jewelry, classic automobiles, and exceptional properties without the depreciation concerns of standard insurers. What distinguishes Chubb is their white-glove claims service"dedicated adjusters who understand that a damaged Patek Philippe or compromised wine cellar requires specialized attention, not generic processing. Their risk management consultants proactively assess vulnerabilities in estates, offering bespoke recommendations that often prevent claims entirely. The premium pricing reflects this elevated service model, which may give pause to those with more modest portfolios. Additionally, their underwriting standards are rigorous, occasionally declining coverage for properties or collections that don't meet their criteria. Nevertheless, for those whose assets demand institutional-grade protection, Chubb delivers an insurance experience befitting the luxury lifestyle they safeguard.

Category Ratings

Luxury Insurance
4.7
Feb 12, 2026
AI-Generated Review Generated via Anthropic API. This is an automated evaluation, not a consumer review. Learn more
4.9 /5
Chubb stands as the undisputed gold standard in the realm of high-net-worth asset protection. Far removed from commoditized mass-market carriers, Chubb's reputation rests on its iconic "Masterpiece" policy, which offers coverage nuances that true luxury consumers demand"such as cash settlements and full replacement costs without depreciation. Their heritage, dating back to 1882, underpins a service model that feels more like a concierge than a bureaucracy; their complimentary risk consulting, including infrared home scans and wildfire defense services, demonstrates a proactive approach to preservation. While the premiums are significantly higher than standard market rates, the value proposition becomes clear the moment a claim is filed. Chubb is renowned for its friction-free payouts and understanding of complex valuations, from fine art to vintage automobiles. However, this level of comprehensive coverage is likely overkill for those with standard assets, making it a niche necessity rather than a universal solution. For the affluent, it remains the ultimate safety net.

Category Ratings

Luxury Insurance
4.9
Feb 12, 2026
AI-Generated Review Generated via Google API. This is an automated evaluation, not a consumer review. Learn more
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Added: Feb 12, 2026

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