--- title: "Armilla vs Chubb" description: "Compare an insurer group’s technology insurance program with specialist AI liability and contractual performance protection." canonical: "https://spot.insure/compare/armilla-vs-chubb" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Armilla", "Chubb"] --- [Human-readable page](https://spot.insure/compare/armilla-vs-chubb) # Armilla vs Chubb Compare an insurer group’s technology insurance program with specialist AI liability and contractual performance protection. ## Research Scope and Use Use this comparison to evaluate Armilla and Chubb against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Armilla describes an AI MGA offering liability insurance, warranties and assessments. Chubb is an insurer group offering technology coverage including DigiTech and broader commercial programs; the issuing company and California product eligibility depend on the placement. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [13](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") [47](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm "Chubb Limited Form 10-K For The Year Ended 31 December 2025") ## Introduction A growing software company may be considering a broad insurer relationship while a major customer asks for specific assurances about an AI feature. Chubb markets DigiTech technology E&O, media and cyber protection within a wider commercial offering. Armilla markets focused AI liability and a separate performance warranty. The decision turns on what the proposed technology policy already addresses and what additional obligation remains. [13](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") [11](https://www.chubb.com/us-en/business-insurance.html "Commercial Insurance") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") ## Documented Provider Strengths ### Armilla - Dedicated liability coverage for AI model and agent failures [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: Direct product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.; verified: 2026-09-16.) - Model assessments with remediation support and optional retesting [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") (Evidence: Company-reported; scope: Direct assessment service and FAQ; no independent validation of assessment effectiveness or regulatory compliance.; verified: 2026-09-16.) ### Chubb - DigiTech ERM packages technology E&O, media and cyber on one Chubb policy for software, services and hardware companies. [18](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [17](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [12](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") (Evidence: Company-reported; scope: U.S. cyber product pages accessed 16 September 2026. Product names are not equivalent coverage across every insured.; verified: 2026-09-16.) - Appointed agents quote eligible small-commercial and cyber accounts in Chubb Marketplace, with Cyber Central for express cyber quoting. [17](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [18](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [38](https://www.chubb.com/us-en/contact.html "Contact Chubb") [39](https://www.chubb.com/us-en/contact-us.html "Chubb Insurance In The U.S.") [20](https://www.chubb.com/us-en/business-insurance/forefront-3-0-private-company.html "ForeFront Portfolio 3.0 For Private Companies") (Evidence: Company-reported; scope: U.S. agent platforms and buyer contact paths as of 16 September 2026. Quote speed and bindability are not guaranteed for any applicant.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Armilla | Chubb | | --- | --- | --- | | Builders risk | Not listed | Listed [30](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [29](https://www.chubb.com/us-en/business-insurance/inland-marine.html "Inland Marine Insurance") | | Business owner’s policy | Not listed | Listed [15](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [12](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | | Cargo and transit | Not listed | Listed [32](https://www.chubb.com/us-en/business-insurance/worldwide-ocean-cargo-insurance.html "Worldwide Ocean Cargo Insurance") | | Commercial auto | Not listed | Listed [25](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [15](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") | | Commercial property | Not listed | Listed [23](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") [12](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | | Crime | Not listed | Listed [19](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [13](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | | Cyber liability | Not listed | Listed [18](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [17](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") | | Directors and officers | Not listed | Listed [21](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers And Entity Liability Insurance") [19](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") | | Employment practices liability | Not listed | Listed [19](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [22](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | | Equipment breakdown | Not listed | Listed [31](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [13](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | | Fiduciary liability | Not listed | Listed [19](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [22](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | | General liability | Not listed | Listed [15](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [12](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [28](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") | | Generative AI liability | Listed [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") | Not listed | | Kidnap and ransom | Not listed | Listed [19](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [22](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | | Management liability | Not listed | Listed [19](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [22](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | | Media liability | Not listed | Listed [18](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") | | Product recall | Not listed | Listed [34](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Chubb Recall Plus For Consumer Goods") [36](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") | | Professional liability / E&O | Not listed | Listed [18](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [13](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | | Representations and warranties | Not listed | Listed [35](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage And Solutions For Large Accounts") | | Surety bonds | Not listed | Listed [33](https://www.chubb.com/us-en/surety.html "Surety Bonds") | | Technology errors and omissions | Not listed | Listed [18](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [12](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | | Tools, equipment and inland marine | Not listed | Listed [29](https://www.chubb.com/us-en/business-insurance/inland-marine.html "Inland Marine Insurance") [36](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") | | Umbrella and excess liability | Not listed | Listed [24](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [15](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") | | Workers’ compensation | Not listed | Listed [16](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance For Small Business") [12](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Armilla and Chubb ### The Organizations Occupy Different Insurance Roles Chubb is an insurance group whose subsidiaries bear risk; the holding company name does not identify the issuer of every policy. Armilla describes itself as an MGA and coverholder supported by insurance capacity. Comparing their brands without naming the legal insurer can therefore obscure who actually owes the policy obligation. A warranty requires another check: identify its contractual obligor and enforcement terms separately. [47](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm "Chubb Limited Form 10-K For The Year Ended 31 December 2025") [48](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-12312025xex211.htm "Chubb Limited Exhibit 21.1 Subsidiaries") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") Chubb distributes commercial insurance through appointed agents and brokers, with product-specific access routes. Armilla describes an assessment-led inquiry and broker access. The founder should establish who is preparing and negotiating each submission rather than assuming either brand’s website is a direct binding storefront for a complex technology account. [37](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb") [38](https://www.chubb.com/us-en/contact.html "Contact Chubb") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") ### A Combined Technology Policy Still Needs an AI Scenario Review Chubb’s DigiTech combines technology E&O, media and cyber protections. Armilla’s AI brief lists model-specific liability examples, while its warranty concerns agreed performance metrics. Neither a broad package title nor a specialized title establishes the result for a particular failed output. Ask how each quoted policy treats the AI feature, the customer’s alleged financial loss and any contractually promised remedy. [13](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") [14](https://www.chubb.com/us-en/business-insurance/technology-services-consulting.html "Technology Services And Consulting Insurance Solutions") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") Chubb’s wider property, casualty and management offerings may matter to the same company, but their presence in the catalogue does not establish a single package or universal startup eligibility. A focused Armilla engagement likewise should not be counted as a replacement for those business policies. [11](https://www.chubb.com/us-en/business-insurance.html "Commercial Insurance") [15](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") ### Verified California Insurers Are Not a Product Approval The reviewed public documentation includes regulator evidence for Federal Insurance Company and ACE American Insurance Company as admitted California insurers. That verifies those entities, not availability of DigiTech or a particular startup’s BOP. Chubb also has different issuing entities and surplus-lines operations. Armilla’s California product route remains unresolved in the reviewed materials. Obtain the specific issuer and placement status for both proposals. [49](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile "California Company Profile: Federal Insurance Company") [50](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile "California Company Profile: ACE American Insurance Company") [36](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") [1](https://www.armilla.ai/ "Armilla: AI Insurance") ## What to Confirm in Quotes - Ask for the policy’s treatment of the actual AI service and the customer’s performance clause, including overlap with any warranty. [13](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") - Record the legal issuer, California status, broker and warranty obligor instead of using group or capacity-partner names interchangeably. [44](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf "Chubb Company License Information") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") - Establish notice instructions and responsibility for coordinating claims across policies; published reporting channels are not evidence of claims quality. [41](https://www.chubb.com/us-en/claims/report-claim.html "Report A Claim") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") ## Service Comparison Armilla vs Chubb: documented services and availability. | Criteria | Armilla | Chubb | | --- | --- | --- | | Business role | Armilla markets AI liability insurance, performance warranties and model assessments. It describes its insurance operation as a managing general agent (MGA), an intermediary with underwriting responsibilities, and names Armilla Insurance Services as a Lloyd’s coverholder. These descriptions do not make Armilla the risk-bearing insurer. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") (Evidence: Company-reported; scope: Company descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified.; verified: 2026-09-16.)

Florida’s corporate registry lists Armilla Insurance Services Inc., a Delaware corporation. This establishes a corporate identity, not an insurance license or authority to place a California risk. [8](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC. "Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.") (Evidence: Verified; scope: Exact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed.; verified: 2026-09-16.) | Chubb is the marketing name for subsidiaries of Chubb Limited, a Swiss holding company, that provide insurance and related services. U.S. commercial policies are issued by U.S.-based Chubb underwriting companies, not by Chubb Limited itself. [47](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm "Chubb Limited Form 10-K For The Year Ended 31 December 2025") [10](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [33](https://www.chubb.com/us-en/surety.html "Surety Bonds") (Evidence: Verified; scope: Group identity from the 2025 Form 10-K Item 1 and U.S. website legal disclosures. The holding company is not the risk-bearing insurer on a given U.S. policy.; verified: 2026-09-16.)

Commercial buyers typically reach Chubb through independent agents and brokers. Chubb appoints producers, operates agent portals, and identifies Chubb Insurance Solutions Agency, Inc. as the licensed agency that administers Chubb Access appointments. Surplus-lines products can be offered only through licensed surplus-lines producers. [37](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb") [38](https://www.chubb.com/us-en/contact.html "Contact Chubb") [10](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [46](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/campaign/pdfs/55010055_NewYork-2022-24-05.pdf "Chubb New York Region Appointment Materials") (Evidence: Company-reported; scope: U.S. distribution as described on agent-access, contact and terms pages. This does not mean every independent agent is appointed for every product.; verified: 2026-09-16.) | | Application process | Armilla’s insurance FAQ says to begin with an AI risk assessment, followed by a tailored insurance or warranty plan. The site directs buyers to contact its team; coverage requires written confirmation and completion of underwriting requirements. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") (Evidence: Company-reported; scope: Published process, not a submitted application, quote, binding test or promised turnaround.; verified: 2026-09-16.) | Appointed agents and brokers can quote, and for eligible risks issue, small-business and cyber accounts through Chubb Marketplace, and can use Cyber Central for an express cyber quoting path. Marketplace cyber quoting is described for eligible risks with less than $100 million in revenue; referred risks go to underwriters. Businesses seeking coverage are directed to an agent, a U.S. contact form, or chubbsmallbusiness.com for small-business quote inquiries. The reviewed public pages do not describe a general-public online bind for middle-market technology programs. [17](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [18](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [38](https://www.chubb.com/us-en/contact.html "Contact Chubb") [39](https://www.chubb.com/us-en/contact-us.html "Chubb Insurance In The U.S.") [20](https://www.chubb.com/us-en/business-insurance/forefront-3-0-private-company.html "ForeFront Portfolio 3.0 For Private Companies") (Evidence: Company-reported; scope: U.S. agent platforms and buyer contact paths as of 16 September 2026. Quote speed and bindability are not guaranteed for any applicant.; verified: 2026-09-16.) | | Availability | Armilla says its insurance products use surplus-lines insurers and properly licensed surplus-lines brokers, with availability varying by jurisdiction. The reviewed disclosures do not establish a California placement route for a particular applicant; a Bay Area address alone does not establish eligibility. [1](https://www.armilla.ai/ "Armilla: AI Insurance") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: US-oriented state availability disclosure; no California license, broker appointment or product eligibility independently verified.; verified: 2026-09-16.) | Chubb’s U.S. site states that products and services vary by jurisdiction and are not available or suitable for all users. Company license materials describe Federal Insurance Company and ACE American Insurance Company as admitted property-and-casualty insurers in all 50 states. That company-wide licensing statement is not a product-by-product availability matrix. [10](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [33](https://www.chubb.com/us-en/surety.html "Surety Bonds") [44](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf "Chubb Company License Information") (Evidence: Company-reported; scope: U.S. commercial products as described in Terms of Use, surety footer and Chubb company license PDF. Do not treat 50-state insurer licensing as proof that DigiTech, BOP or any other product is offered in a given state.; verified: 2026-09-16.)

California’s regulator lists Federal Insurance Company (NAIC 20281) and ACE American Insurance Company (NAIC 22667) as admitted property-and-casualty insurers in the Chubb Ltd group. The reviewed product pages do not publish a California-specific eligibility list for technology, DigiTech ERM or small-business BOP. Surplus-lines placements, if used, must go through a licensed surplus-lines producer. U.S. branch offices are not evidence that a product is available in California. [49](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile "California Company Profile: Federal Insurance Company") [50](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile "California Company Profile: ACE American Insurance Company") [51](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getGroupList&event=companyProfile&naicGroupNumber=0626 "California NAIC Group List: Chubb Ltd Grp 0626") [10](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [43](https://www.chubb.com/us-en/about-chubb-in-the-us.html "About Chubb In The U.S.") (Evidence: Verified; scope: California admitted-insurer status verified on CDI company profiles accessed 16 September 2026. Product-level California availability remains unconfirmed from public Chubb pages.; verified: 2026-09-16.) | | Claims assistance | Armilla describes liability claims reported during the policy period, subject to limits and exclusions. Its homepage offers incident coordination, but the reviewed pages do not name a claims administrator or set out a complete claim-notification procedure. No claims-handling quality has been established. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") (Evidence: Company-reported; scope: Public claims framework and incident assistance only; no policy notice provisions or performance evidence reviewed.; verified: 2026-09-16.) | Chubb publishes 24/7 claim reporting at 1-800-CLAIMS-0, product-specific first-notice emails including cyberclaimreport@chubb.com and a 24/7 cyber incident hotline at 1-800-817-2665, plus a Small Commercial client portal for eligible policyholders to report claims and upload documents. Claims-page satisfaction figures are company-reported survey results and do not independently establish claims-handling quality for a given loss. [40](https://www.chubb.com/us-en/claims.html "Chubb Claims") [41](https://www.chubb.com/us-en/claims/report-claim.html "Report A Claim") [42](https://www.chubb.com/us-en/claims/online-mobile-tools.html "Online & Mobile Claims Tools") [17](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [38](https://www.chubb.com/us-en/contact.html "Contact Chubb") (Evidence: Company-reported; scope: U.S. claims contact and portal descriptions. Portal access may be limited for policies underwritten by certain Chubb companies. No independent claims-outcome review was performed.; verified: 2026-09-16.) | ## Related Reading - [What Is Armilla?](https://spot.insure/insurance-providers/armilla) - [What Is Chubb?](https://spot.insure/insurance-providers/chubb) ## Related Comparisons - [Alliance Risk vs Armilla](https://spot.insure/compare/alliance-risk-vs-armilla) - [Alliance Risk vs Chubb](https://spot.insure/compare/alliance-risk-vs-chubb) - [Amelia Risk vs Armilla](https://spot.insure/compare/amelia-risk-vs-armilla) - [Amelia Risk vs Chubb](https://spot.insure/compare/amelia-risk-vs-chubb) - [Armilla vs At-Bay](https://spot.insure/compare/armilla-vs-at-bay) - [Armilla vs Beazley](https://spot.insure/compare/armilla-vs-beazley) - [Armilla vs CFC](https://spot.insure/compare/armilla-vs-cfc) - [Armilla vs Coalition](https://spot.insure/compare/armilla-vs-coalition) - [Armilla vs Corgi](https://spot.insure/compare/armilla-vs-corgi) - [Armilla vs Coterie Insurance](https://spot.insure/compare/armilla-vs-coterie) - 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[Chubb vs TechInsurance](https://spot.insure/compare/chubb-vs-techinsurance) - [Chubb vs The Hartford](https://spot.insure/compare/chubb-vs-the-hartford) - [Chubb vs Travelers](https://spot.insure/compare/chubb-vs-travelers) - [Chubb vs USI](https://spot.insure/compare/chubb-vs-usi) - [Chubb vs Vouch](https://spot.insure/compare/chubb-vs-vouch) - [Chubb vs WithCoverage](https://spot.insure/compare/chubb-vs-withcoverage) ## Sources ### [Armilla Official Website](https://www.armilla.ai/) 1. [Armilla: AI Insurance](https://www.armilla.ai/). Armilla; Affirmative Insurance Built for AI Risk; Risk Teams; footer surplus-lines and Lloyd’s disclosures. Accessed 2026-09-16. 2. [AI Insurance – Lloyd’s Coverholder | Armilla AI](https://www.armilla.ai/ai-insurance). Armilla; Armilla Insured; Armilla Guaranteed; FAQ: getting started, warranty classification, claims framework and exclusions. Accessed 2026-09-16. 3. [Armilla AI Insurance Brief](https://www.armilla.ai/ai-insurance-brief). Armilla; MGA introduction; Tailored Protection for AI Pioneers / Sample Coverage Areas; Industry Protection. Accessed 2026-09-16. 4. [AI Performance Warranty Brief](https://www.armilla.ai/ai-performance-warranty-brief). Armilla; Opening partner disclosure; AI Performance, Guaranteed; Real-World Protection Examples. Accessed 2026-09-16. 5. [Armilla Assessments: AI Verification & Red-Teaming](https://www.armilla.ai/assessments). Armilla; Active AI Risk Assessment; FAQ: testing process, ongoing support and starting an assessment. Accessed 2026-09-16. 6. [Armilla for Brokers: Specialized AI Coverage](https://www.armilla.ai/brokers). Armilla; Coverage Options; Competitive Commissions; Flexible, Tech-Enabled Underwriting; broker appointment FAQ. Accessed 2026-09-16. 7. [Armilla Terms of Service](https://www.armilla.ai/terms-of-service). Armilla; Last updated April 5th, 2023; sections 1 Agreement to Terms and 4 Fees and Payment. Accessed 2026-09-16. 8. [Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC.). Florida Department of State, Division of Corporations; Entity name; Filing Information; document F24000002598 (corporate registration, not insurance licensing). Accessed 2026-09-16. ### [Chubb Official Website](https://www.chubb.com/us-en/) 9. [Insurance For Individuals & Businesses](https://www.chubb.com/us-en/). Chubb; Businesses; Get a quote; claims statistics; insurance products and client services. Accessed 2026-09-16. 10. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16. 11. [Commercial Insurance](https://www.chubb.com/us-en/business-insurance.html). Chubb; Industry practices; small businesses, middle market, large and multinational segments; claims paid and satisfaction figures. Accessed 2026-09-16. 12. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; who we serve; listed products including Package, E&O/Cyber, Financial Lines, workers’ compensation, auto, umbrella, BOP, Benchmarq and Customarq; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16. 13. [Insurance For Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-16. 14. [Technology Services And Consulting Insurance Solutions](https://www.chubb.com/us-en/business-insurance/technology-services-consulting.html). Chubb; Property & casualty and financial-lines coverage solutions lists. Accessed 2026-09-16. 15. [Business Owner’s Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Eligibility up to $30M revenue and 500+ classes including technology; property and liability package; supporting umbrella, workers’ compensation, commercial auto, ForeFront and Cyber ERM/DigiTech ERM. Accessed 2026-09-16. 16. [Workers' Compensation Insurance For Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html). Chubb; Small-business workers’ compensation for one employee through $30M revenue; claims-service descriptions; supporting products. Accessed 2026-09-16. 17. [Cyber Insurance For Businesses](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html). Chubb; Agent quoting via Chubb Marketplace and Cyber Central; policyholder incident-response hotline and Cyber Alert app; businesses seeking coverage directed to tailored protection rather than a public bind flow. Accessed 2026-09-16. 18. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber ERM, DigiTech ERM and Pro ERM product descriptions; Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16. 19. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Available coverages for private, not-for-profit and healthcare organizations: D&O, EPL, fiduciary, employed lawyers, crime, kidnap/ransom and workplace violence expense. Accessed 2026-09-16. 20. [ForeFront Portfolio 3.0 For Private Companies](https://www.chubb.com/us-en/business-insurance/forefront-3-0-private-company.html). Chubb; Coverage highlights for private companies; contact-an-agent quote prompt; New Jersey application note. Accessed 2026-09-16. 21. [ForeFront Portfolio 3.0: Directors & Officers And Entity Liability Insurance](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html). Chubb; Private-company D&O and entity liability description and listed coverage features. Accessed 2026-09-16. 22. [Management Liability Insurance](https://www.chubb.com/us-en/business-insurance/management-liability.html). Chubb; Public, private/not-for-profit and financial-institution management liability products; fiduciary, crime, kidnap/ransom, workplace violence and employment practices. Accessed 2026-09-16. 23. [Commercial Property Insurance](https://www.chubb.com/us-en/business-insurance/property-product.html). Chubb; Monoline, multi-line and large/complex property offerings; technology listed among served industries; Risk Consulting. Accessed 2026-09-16. 24. [Umbrella & Excess Casualty Insurance](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html). Chubb; Umbrella and excess for smaller through multinational accounts; Express Umbrella portal for appointed brokers. Accessed 2026-09-16. 25. [Commercial Auto Insurance](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html). Chubb; Commercial auto product; technology among served industries. Accessed 2026-09-16. 26. [Customarq Package Insurance Policy](https://www.chubb.com/us-en/business-insurance/customarq-package-policy.html). Chubb; Midsize package combining property and liability; supporting excess, cyber, cargo, workers’ compensation and commercial auto. Accessed 2026-09-16. 27. [Lower Midmarket Insurance Solutions](https://www.chubb.com/us-en/agents-brokers/campaigns/lower-middle-market-business-insurance.html). Chubb; Agent-facing lower-midmarket suite including Benchmarq package, financial lines, cyber on Marketplace, surety; technology among appetite SIC codes; quoting through issuance, servicing and renewals. Accessed 2026-09-16. 28. [Environmental Insurance Coverage & Services](https://www.chubb.com/us-en/business-insurance/environmental.html). Chubb; Premises and contractor pollution, TankSafe, GL Plus combining CGL with products and premises pollution and supported umbrella. Accessed 2026-09-16. 29. [Inland Marine Insurance](https://www.chubb.com/us-en/business-insurance/inland-marine.html). Chubb; Inland marine policy overview; builders’ risk, contractors equipment and related tools. Accessed 2026-09-16. 30. [Builders' Risk Insurance](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html). Chubb; Builders’ risk coverage list and target clients; agent submission requirements. Accessed 2026-09-16. 31. [Equipment Breakdown Insurance](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html). Chubb; Monoline and package equipment-breakdown coverage; electronics among target clients. Accessed 2026-09-16. 32. [Worldwide Ocean Cargo Insurance](https://www.chubb.com/us-en/business-insurance/worldwide-ocean-cargo-insurance.html). Chubb; Ocean, air and overland cargo coverages; agent submission path. Accessed 2026-09-16. 33. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction, commercial, transactional and international surety; footer identifying Chubb as marketing name and ACE American as an issuing company; products may not be available in all states. Accessed 2026-09-16. 34. [Chubb Recall Plus For Consumer Goods](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html). Chubb; Product-recall offering, limits, restricted classes and electronics among target finished products. Accessed 2026-09-16. 35. [Multinational Insurance Coverage And Solutions For Large Accounts](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html). Chubb; Core and specialty coverages including representations and warranties, inland marine, professional liability and ESIS; Worldview servicing platform; work with clients and brokers. Accessed 2026-09-16. 36. [Excess And Surplus Insurance (E&S Insurance)](https://www.chubb.com/us-en/business-insurance/excess-surplus.html). Chubb; Westchester E&S portfolio; Westchester Fire admitted description; Westchester Surplus Lines eligible in 49 states; paper including Illinois Union and ACE companies. Accessed 2026-09-16. 37. [Get Access To Chubb](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html). Chubb; Direct appointments for independent agents and brokers; competitive commissions; 200+ products. Accessed 2026-09-16. 38. [Contact Chubb](https://www.chubb.com/us-en/contact.html). Chubb; Agent as first contact; claims numbers including cyber; Small Business policy service and Marketplace technical support; Federal Insurance Company and ACE American claims contacts. Accessed 2026-09-16. 39. [Chubb Insurance In The U.S.](https://www.chubb.com/us-en/contact-us.html). Chubb; Personal Lines find-an-agent; Small Business quote inquiries directed to chubbsmallbusiness.com; commercial agent callback 1-800-682-4822. Accessed 2026-09-16. 40. [Chubb Claims](https://www.chubb.com/us-en/claims.html). Chubb; 24/7 claims contact center; company-reported satisfaction of clients with a paid claim; North America claims staffing figure. Accessed 2026-09-16. 41. [Report A Claim](https://www.chubb.com/us-en/claims/report-claim.html). Chubb; Phone and email first-notice contacts including small commercial, cyber, financial lines and workers’ compensation. Accessed 2026-09-16. 42. [Online & Mobile Claims Tools](https://www.chubb.com/us-en/claims/online-mobile-tools.html). Chubb; Small Commercial Business client portal claim reporting and document upload; access may be limited for policies underwritten by certain Chubb companies. Accessed 2026-09-16. 43. [About Chubb In The U.S.](https://www.chubb.com/us-en/about-chubb-in-the-us.html). Chubb; U.S. executive leadership and 44 branch locations; branch presence is not product-availability evidence. Accessed 2026-09-16. 44. [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf). Chubb; Federal Insurance Company (Indiana NAIC 20281) admitted P&C in all 50 states; ACE American (Pennsylvania NAIC 22667) admitted P&C in all 50 states; Westchester Surplus Lines Insurance Company eligible/approved surplus lines outside Georgia domicile. Accessed 2026-09-16. 45. [Chubb Insurance Solutions Agency License Information](https://prs-portalassets.chubb.com/chubbaccess/Agency%20License%20Information%20link.pdf). Chubb; Statement that Chubb Insurance Solutions Agency is licensed in all 50 states; resident NJ license 2853751; California license 969601. Accessed 2026-09-16. 46. [Chubb New York Region Appointment Materials](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/campaign/pdfs/55010055_NewYork-2022-24-05.pdf). Chubb; Chubb Access appointments administered by Chubb Insurance Solutions Agency, Inc.; surplus lines sold only through licensed surplus lines producers; products may not be available in all states. Accessed 2026-09-16. 47. [Chubb Limited Form 10-K For The Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm). U.S. Securities and Exchange Commission / Chubb Limited; Item 1 Business: Swiss-incorporated holding company headquartered in Zurich; global insurance and reinsurance organization; operations in 54 countries and territories; commercial P&C including D&O and specialty casualty. Accessed 2026-09-16. 48. [Chubb Limited Exhibit 21.1 Subsidiaries](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-12312025xex211.htm). U.S. Securities and Exchange Commission / Chubb Limited; ACE American Insurance Company; Federal Insurance Company group companies; Chubb Excess and Surplus Insurance Services Inc. (California); Chubb INA Holdings LLC. Accessed 2026-09-16. 49. [California Company Profile: Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile). California Department of Insurance; NAIC 20281; California Company ID 0059-6; date authorized 12/18/1902; license status Unlimited-Normal; company type Property & Casualty; domicile Indiana; NAIC Group 0626 Chubb Ltd Grp. Accessed 2026-09-16. 50. [California Company Profile: ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile). California Department of Insurance; NAIC 22667; California Company ID 1325-0; date authorized 12/20/1945; license status Unlimited-Normal; company type Property & Casualty; domicile Pennsylvania; NAIC Group 0626 Chubb Ltd Grp. Accessed 2026-09-16. 51. [California NAIC Group List: Chubb Ltd Grp 0626](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getGroupList&event=companyProfile&naicGroupNumber=0626). California Department of Insurance; Group roster including Federal Insurance Company, ACE American Insurance Company, Chubb National Insurance Company, Westchester Fire Insurance Company and other Chubb-group companies with California IDs. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/armilla-vs-chubb.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)