---
title: "biBerk vs Chubb"
description: "Compare biBerk’s direct small-business application route with Chubb’s agent-led access to a broader commercial product range."
canonical: "https://spot.insure/compare/biberk-vs-chubb"
page-type: "provider-comparison"
updated-at: "2026-09-29"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/biberk-vs-chubb)

# biBerk vs Chubb

Compare biBerk’s direct small-business application route with Chubb’s agent-led access to a broader commercial product range.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

biBerk describes an online small-business quote and purchase path, while most Chubb commercial buyers work through an independent agent or broker; compare the access route and the specific policy form, not just the breadth of each company’s catalogue. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [18](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [43](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### biBerk

Role: Insurance carrier.

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (The supplied evidence did not support a score for Identity and Authority; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Claims and Servicing (The supplied evidence did not support a score for Claims and Servicing; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Regulatory Conduct (The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/biberk/reliability).

### Chubb

Role: Insurance carrier.

Carrier & MGA Spot Score: **6.4/10** (partial score; 40% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates Federal Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company A++ (Superior) with a stable outlook, but a rating is an opinion, not a statutory figure. Statutory capital, surplus and results are reported only in combination across the subsidiary group, and no current product is mapped to an issuing entity, so the issuing entity’s own resources are not established.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/chubb/reliability).

## biBerk Reviews

Review Score: 9.0 / 10 from 3 rated sources, equally weighted.

Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.

- NerdWallet: NerdWallet editorial rating 4.0 (out of 5). NerdWallet's own editorial review of biBerk as a US small-business insurer. Not a customer average. Period: updated Feb 13, 2026. Checked 2026-09-29. [biBerk Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance)
- Trustpilot: TrustScore 4.5 (out of 5); 2620 reviews. Trustpilot's biBerk profile. All lines and states; not tied to a specific policy. Period: profile accessed 2026-09-29; 714 in last 12 months. Checked 2026-09-29. [biBerk Business Insurance Reviews](https://www.trustpilot.com/review/biberk.com)
- BBB: BBB business grade A+ (BBB letter grade). BBB Omaha, NE profile for biBerk, a Berkshire Hathaway Company. Grade, reviews and complaints are separate measures. Period: profile accessed 2026-09-29. Checked 2026-09-29. [biBerk, a Berkshire Hathaway Company - BBB profile](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690); [biBerk BBB customer reviews](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/customer-reviews); [biBerk BBB complaints](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/biberk/reviews).

## Chubb Reviews

Review Score: 6.9 / 10 from 5 rated sources, equally weighted.

Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.

- NerdWallet: NerdWallet editorial rating 5.0 (5 stars). Chubb identity; US commercial insurance review/satisfaction evidence sought on NerdWallet. Period: updated 2026-05-14. Checked 2026-09-25. [Chubb Business Insurance Review 2026: Top-Rated Company, Customizable BOP](https://www.nerdwallet.com/business/insurance/learn/chubb-small-business-insurance)
- Trustpilot: TrustScore 4.2 (5 stars); 3345 reviews. Chubb identity; US commercial insurance review/satisfaction evidence sought on Trustpilot. Checked 2026-09-25. [Chubb (European Region) Reviews](https://www.trustpilot.com/review/www.chubb.com)
- Google: Google star rating 2.0 (5 stars); 8 reviews. One Chubb Group local listing at 701 5th Ave, Seattle, Washington; profile-level feedback is not firmwide, not line-specific, and may include personal policies/claims. Checked 2026-09-25. [Chubb Group of Insurance Companies — Google reviews via Birdeye](https://reviews.birdeye.com/chubb-group-of-insurance-companies-149396582765159)
- ConsumerAffairs: ConsumerAffairs star rating 1.8 (5 stars); 20 reviews. ConsumerAffairs page for U.S. Chubb auto insurance (personal auto); not commercial-policy feedback. Period: page updated 2026-08-14. Checked 2026-09-25. [Chubb Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/chubb.html)
- MoneyGeek: MoneyGeek customer score 4.2 (5 points). MoneyGeek’s U.S. small-business insurance customer-review analysis; publisher describes it as cross-source review analysis and does not isolate one commercial line. Period: 2026 review; MoneyGeek reports over 1,100 reviews, collection period not stated. Checked 2026-09-25. [Chubb Business Insurance Review (2026 Ratings)](https://www.moneygeek.com/insurance/business/chubb-review/)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/chubb/reviews).

## Introduction

biBerk describes a direct online path for small businesses, with the option to speak with an insurance expert. Chubb says most commercial buyers need an independent agent or broker, and its online Marketplace is for eligible small businesses and appointed agents or brokers. If you want to begin without arranging an agent, biBerk’s stated route is more direct; for Chubb, ask an agent whether your risk can use Marketplace or needs underwriting referral. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [43](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb") [24](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")



## Coverage Comparison

| Coverage Type | biBerk | Chubb |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Chubb offers builders risk insurance. [36](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [35](https://www.chubb.com/us-en/business-insurance/inland-marine.html "Inland Marine Insurance") |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") | Listed: Chubb offers business owner’s policies for eligible small businesses with up to $30 million in revenue. [21](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [18](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Not listed | Listed: Chubb offers cargo insurance. [38](https://www.chubb.com/us-en/business-insurance/worldwide-ocean-cargo-insurance.html "Worldwide Ocean Cargo Insurance") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") | Listed: Chubb offers commercial auto insurance. [31](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [21](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: Chubb offers commercial property insurance. [29](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") [18](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") |
| [Crime](https://spot.insure/coverage/crime) | Not listed | Listed: Chubb offers crime coverage within its ForeFront portfolio for private, nonprofit and health care organizations. [25](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [19](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") | Listed: Chubb offers cyber insurance. [24](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [23](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: Chubb offers directors and officers liability insurance for smaller privately held companies through ForeFront. [27](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") [25](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: Chubb offers employment practices liability insurance. [25](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [28](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Not listed | Listed: Chubb offers equipment breakdown insurance. [37](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [19](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: Chubb offers fiduciary liability insurance. [25](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [28](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") | Listed: Chubb offers general liability insurance within its commercial package products. [21](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [18](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [34](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Not listed | Listed: Chubb offers kidnap and ransom insurance. [25](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [28](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") |
| [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Chubb offers management liability insurance. [25](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [28](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") |
| [Media liability](https://spot.insure/coverage/media) | Not listed | Listed: Chubb offers media liability insurance through DigiTech ERM for technology companies. [24](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") |
| [Product recall](https://spot.insure/coverage/product-recall) | Not listed | Listed: Chubb offers product recall insurance for businesses handling finished consumer goods. [40](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Chubb Recall Plus For Consumer Goods") [42](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") | Listed: Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms. [24](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [19](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Not listed | Listed: Chubb offers representations and warranties insurance within its offering for large US- and Canadian-based multinational companies. [41](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage And Solutions For Large Accounts") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: Chubb offers surety bonds. [39](https://www.chubb.com/us-en/surety.html "Surety Bonds") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: Chubb offers technology errors and omissions insurance through DigiTech ERM for technology companies. [24](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [18](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: Chubb offers inland marine insurance. [35](https://www.chubb.com/us-en/business-insurance/inland-marine.html "Inland Marine Insurance") [42](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") | Listed: Chubb offers umbrella and excess liability insurance. [30](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [21](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") | Listed: Chubb offers workers’ compensation insurance for small businesses, from one employee up to $30 million in revenue, including technology companies. [22](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance For Small Business") [18](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## 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://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Coverage Breadth and Fit

biBerk’s published menu centers on small-business lines such as a BOP, general liability, workers’ compensation, commercial auto and professional liability, with cyber available as an add-on to specified base policies. Chubb describes products for small businesses through multinational accounts, including technology E&O and cyber choices such as DigiTech ERM. That breadth does not mean every Chubb product is suitable for a small firm or that either company will quote a particular risk. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") [18](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [24](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

When you compare a small-business BOP or liability quote, line up the insured entities, limits, deductibles, property schedule and endorsements. If the need is technology E&O plus cyber, ask Chubb whether DigiTech ERM or another form is proposed and ask biBerk whether its professional-liability policy and cyber add-on address the same exposures. [24](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk")

## Insurer and Servicing

Chubb uses different group insurers for different placements; biBerk’s disclosure names four insurers collectively but does not map them to each product or policy. Compare the insurer named on the actual declarations, rather than treating either brand as the policy issuer. [44](https://www.chubb.com/us-en/contact.html "Contact Chubb") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures")

Chubb says an agent or broker is the first service contact for most policies, with additional billing, policy and claims tools for eligible accounts. biBerk lists online policyholder routes for changes, payments, certificates and claims. Ask who will handle routine changes and how to report a claim for the exact policy you are considering. [44](https://www.chubb.com/us-en/contact.html "Contact Chubb") [4](https://www.biberk.com/support "biBerk Support | Small Business Insurance")

## Compare Services

What each provider documents about the services you may need.

| Criteria | biBerk | Chubb |
| --- | --- | --- |
| Business role | biBerk says it sells small-business insurance directly without an insurance broker. This is its company-reported channel description. Its California/Massachusetts notice names four insurers collectively as issuing most policies and lists each insurer’s licensed jurisdictions, but does not identify the insurer for a particular transaction, product, or policy or guarantee product availability in a jurisdiction. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") (Evidence: Company-reported; scope: Company-reported description of biBerk’s U.S. small-business sales channel on its About page; not a claim about every transaction, product route, producer role, or policy issuer.; verified: 2026-09-28.) | Businesses buying Chubb coverage receive a policy from a US underwriting company, not from Chubb Limited, the Swiss holding company. Chubb is the marketing name for the group’s insurance subsidiaries and related services. [53](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm "Chubb Limited Form 10-K For The Year Ended 31 December 2025") [16](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [39](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.)<br><br>Most commercial buyers need an independent agent or broker to reach Chubb; surplus-lines products require a licensed surplus-lines producer. Chubb appoints producers and operates agent portals, while Chubb Insurance Solutions Agency, Inc. administers Chubb Access appointments. [43](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb") [44](https://www.chubb.com/us-en/contact.html "Contact Chubb") [16](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [52](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.) |
| Customer focus | biBerk targets small businesses across varied industries and lists examples such as accounting, food service, retail, and transportation. The homepage FAQ says availability depends on the state and type of insurance; the industry list is illustrative, not an eligibility guarantee. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") (Evidence: Company-reported; scope: U.S. small-business audience and examples on biBerk’s national site; examples are illustrative. The homepage says availability depends on the state and type of insurance; listed categories do not establish individual eligibility.; verified: 2026-09-28.) | Startups through multinationals in software, technology services, communications and hardware can ask Chubb about technology insurance; its small-business BOP also lists technology among 500+ classes for firms with up to $30 million revenue. [18](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [21](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [19](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") (Evidence: Company-reported; scope: Company marketing of industry appetite and BOP eligibility. It does not establish that a particular Bay Area startup will be quoted or bound.; verified: 2026-09-16.) |
| Coverage lines | biBerk offers cyber and data-breach protection as an add-on to General Liability, Professional Liability, or a Business Owners Policy (BOP); the page does not present this as a stand-alone product. The types of response expenses and affected-person services depend on the selected base policy and terms. [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business cyber add-on. Jurisdiction and availability depend on state and underwriting. Company-reported page description; the issued policy and endorsement control coverage.; verified: 2026-09-29.)<br><br>biBerk describes its small-business BOP as combining General Liability and commercial property in one policy. Its page gives examples of third-party injury/property-damage liability and protection for buildings or leased space, contents, inventory, tools, and business income after covered property damage; the issued policy controls. [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business Business Owners Policy. State availability and exact terms depend on underwriting and the issued policy. Company-reported coverage description, not a policy-form determination.; verified: 2026-09-29.)<br><br>biBerk says its umbrella coverage applies only when the claim concerns coverage included in an appropriate underlying liability policy and that policy’s limits have been reached. An umbrella does not add a line such as commercial auto when the required underlying auto coverage is absent; the issued terms control. [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business umbrella/commercial excess. In New York, biBerk calls it commercial excess. Underlying coverage and exhaustion conditions are company-described; confirm the scheduled underlying policies and issued terms.; verified: 2026-09-29.)<br><br>biBerk’s commercial-auto page lists bodily-injury and property-damage liability, medical-payments/no-fault, uninsured-motorist, comprehensive, and collision coverage examples for business vehicles. Which options apply depends on the policy selected and issued. [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business commercial auto. Vehicle eligibility and availability depend on underwriting and state; page examples do not establish coverage under an individual policy.; verified: 2026-09-29.)<br><br>biBerk markets General Liability insurance for small businesses and says it is offered in many states. The page does not establish availability or eligibility for a particular business or state. [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business General Liability line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.)<br><br>biBerk markets Professional Liability insurance, also called Errors and Omissions (E&O), for businesses seeking protection over alleged errors or omissions in professional services. This is a catalogue-membership statement, not a determination of terms or eligibility. [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Professional Liability/E&O line. This is a catalogue-membership claim only; the page reviewed does not establish individual eligibility or policy terms.; verified: 2026-09-29.)<br><br>biBerk markets Workers’ Compensation insurance for small businesses and describes quotes and policy purchases online or with an insurance expert. State rules and underwriting determine whether it can quote a particular employer. [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Workers’ Compensation line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.) | Technology companies can compare DigiTech ERM, which combines technology E&O, media and cyber in one policy, with Chubb’s Cyber ERM or Pro ERM options; the issued form sets actual terms, limits and exclusions. [24](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [23](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/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.)<br><br>Businesses can also ask Chubb about BOP, workers’ compensation, auto, umbrella/excess, management liability, property, marine, builders risk, equipment breakdown, cargo, environmental, surety, product recall and transaction coverage; product names do not mean one package includes every line. [18](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [21](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [25](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [29](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") [39](https://www.chubb.com/us-en/surety.html "Surety Bonds") [41](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage And Solutions For Large Accounts") (Evidence: Company-reported; scope: Offerings documented on dedicated product or industry solution pages. Availability, admitted versus surplus paper, and wording vary by product, size and jurisdiction.; verified: 2026-09-16.) |
| Application process | biBerk describes an online path in which a business answers questions, chooses coverage, and pays online; it also says applicants can speak with an insurance expert. Its homepage says availability depends on the state and type of insurance; the description does not establish that every applicant can complete or bind online. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") (Evidence: Company-reported; scope: Company-described online quote and purchase route and expert assistance for U.S. small-business applicants. The homepage states that availability depends on state and type of insurance; this is not a claim that every applicant can complete an online purchase or bind coverage.; verified: 2026-09-28.) | Eligible small businesses can get agent-assisted quotes through Chubb Marketplace, with Cyber Central offering an express cyber route; the described online path is for appointed agents and brokers, not a general-public bind for middle-market technology programs. Cyber risks under $100 million revenue may qualify; referred risks go to underwriters. [23](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [24](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [44](https://www.chubb.com/us-en/contact.html "Contact Chubb") [45](https://www.chubb.com/us-en/contact-us.html "Chubb Insurance In The U.S.") [26](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.) |
| Access to insurers | biBerk says the four insurers it names—Wellfleet Insurance Company, Berkshire Hathaway Direct Insurance Company, National Liability & Fire Insurance Company, and Wellfleet New York Insurance Company—collectively issue most policies sold by biBerk. Its California/Massachusetts notice separately lists each insurer’s domicile and licensed jurisdictions, but does not identify which insurer issues a particular product or policy or guarantee that a particular product is available in any jurisdiction. Check the insurer named in the issued policy. [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") (Evidence: Company-reported; scope: Company disclosure provided to California and Massachusetts applicants and insureds; it describes the four named insurers collectively as issuing most policies sold by biBerk and separately lists each insurer’s domicile and licensed jurisdictions. It does not identify which insurer issues a particular product or policy or guarantee that a particular product is available in any jurisdiction.; verified: 2026-09-28.) | Check the declarations for your policy’s actual insurer because different Chubb companies issue different placements. Sources name Federal Insurance Company, ACE American, Westchester Fire or Westchester Surplus Lines, and for some business Illinois Union or other ACE paper. [44](https://www.chubb.com/us-en/contact.html "Contact Chubb") [39](https://www.chubb.com/us-en/surety.html "Surety Bonds") [42](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") [50](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf "Chubb Company License Information") [55](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile "California Company Profile: Federal Insurance Company") (Evidence: Company-reported; scope: U.S. commercial placements. Ratings cited on Westchester’s page are company-reported and were not independently verified.; verified: 2026-09-16.) |
| Servicing and renewals | biBerk’s policyholder support page lists online routes for policy changes, business and driver updates, payments, certificates, renewal or reinstatement requests, and claims. The page does not establish turnaround time, approval, or eligibility for a requested change or renewal. [4](https://www.biberk.com/support "biBerk Support | Small Business Insurance") (Evidence: Company-reported; scope: Tasks and online routes listed on the public U.S. policyholder support page; not a service-level, approval, or renewal-eligibility claim.; verified: 2026-09-28.) | Your agent or broker is the first service contact for most Chubb policies. Chubb also offers billing and policy support for eligible small-business accounts, renewal servicing for lower-midmarket clients and Worldview document, certificate and claims-status tools for multinational accounts. [44](https://www.chubb.com/us-en/contact.html "Contact Chubb") [33](https://www.chubb.com/us-en/agents-brokers/campaigns/lower-middle-market-business-insurance.html "Lower Midmarket Insurance Solutions") [41](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage And Solutions For Large Accounts") [18](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [32](https://www.chubb.com/us-en/business-insurance/customarq-package-policy.html "Customarq Package Insurance Policy") (Evidence: Company-reported; scope: Company-described servicing channels. Staffing and engineer counts are company-reported. Which services apply depends on product, account size and appointment.; verified: 2026-09-16.) |

## Related Reading

- [What Is biBerk Insurance?](https://spot.insure/insurance-providers/biberk)
- [What Is Chubb?](https://spot.insure/insurance-providers/chubb)

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## Sources

### [biBerk Official Website](https://www.biberk.com/)

1. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
2. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; California/Massachusetts applicants and insureds notice: collective insurer statement and no-guarantee qualification, lines 73–75; each insurer’s NAIC code, domicile, and licensed jurisdictions, lines 76–88. Accessed 2026-09-28.
3. [Small Business Insurance From biBerk | Get A Quote Online](https://www.biberk.com/). biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
4. [biBerk Support | Small Business Insurance](https://www.biberk.com/support). biBerk; Common Support Requests, My Policy and Start a Claim routes, lines 47–75. Accessed 2026-09-28.
5. [Cyber Insurance & Data Breach Coverage for Business | biBerk](https://www.biberk.com/small-business-insurance/cyber-insurance). biBerk; “What is data breach insurance and Cyber insurance add-on coverage?” (lines 76–78); “Cyber Insurance Add-on Coverage” (lines 103–107); attach options reiterated at lines 160–162. Accessed 2026-09-29.
6. [Get A biBerk Business Owners Policy | Fast Online Quote](https://www.biberk.com/small-business-insurance/business-owners-policy). biBerk; “What is a Business Owners Policy?” (lines 77–80); liability and property examples (lines 104–146); endorsements (lines 182–205). Accessed 2026-09-29.
7. [Umbrella Insurance From biBerk | Get Coverage Today](https://www.biberk.com/small-business-insurance/umbrella-insurance). biBerk; “How does Umbrella insurance work?” (lines 87–96): appropriate underlying liability policy and its limits must be reached; example at lines 97–99. Accessed 2026-09-29.
8. [Commercial Auto Insurance From biBerk | Get Coverage Online](https://www.biberk.com/small-business-insurance/commercial-auto-insurance). biBerk; “What does Commercial Auto insurance cover?”: bodily injury, property damage, medical payments/no-fault, uninsured motorist, comprehensive and collision examples (lines 116–148). Accessed 2026-09-29.
9. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; Notice to California and Massachusetts Applicants and Insureds: four insurers collectively issue most policies, no-guarantee limitation, company codes, domicile and licensed jurisdictions, lines 73–88. Accessed 2026-09-29.
10. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Official page title and body identify the biBerk brand and link to biBerk.com; accessed for brand capitalization and site identity only. Accessed 2026-09-29.
11. [General Liability Insurance From biBerk | Get A Quote Today](https://www.biberk.com/small-business-insurance/general-liability-insurance). biBerk; Small-business General Liability product and online/phone quote route (lines 73–79); state availability FAQ (lines 231–233). Accessed 2026-09-29.
12. [Workers’ Compensation Insurance From biBerk | Get A Quote](https://www.biberk.com/small-business-insurance/workers-compensation-insurance). biBerk; Workers’ Compensation product, quote and purchase routes (lines 73–81, 93–100); work-injury coverage description (lines 102–104). Accessed 2026-09-29.
13. [Professional Liability Insurance | Talk To biBerk](https://www.biberk.com/small-business-insurance/professional-liability-insurance). biBerk; Professional Liability/E&O product and online/phone quote and purchase route (lines 73–88). Accessed 2026-09-29.
14. [biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance). NerdWallet; “BiBerk pros and cons” (lines 337–343) and “Lots of complaints filed with state regulators” (lines 355–360); rating-factor methodology, including the 2022–2024 commercial general liability/property complaint finding and lowest possible complaint-factor score (lines 376–383); review updated February 13, 2026. Accessed 2026-09-29.

### [Chubb Official Website](https://www.chubb.com/us-en/)

15. [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.
16. [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.
17. [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.
18. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
19. [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.
20. [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.
21. [Business Owner’s Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue and 500+ classes including technology; Chubb BOP Coverage Highlights: property and liability package; Total Account Solution: umbrella, workers’ compensation, commercial auto, ForeFront and Cyber ERM/DigiTech ERM. Accessed 2026-09-16.
22. [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.
23. [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. Accessed 2026-09-16.
24. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
25. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; ForeFront Portfolio introduction; 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.
26. [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.
27. [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; Opening description: D&O and Entity Liability for smaller privately held companies; listed coverage features. Accessed 2026-09-16.
28. [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.
29. [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.
30. [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.
31. [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.
32. [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.
33. [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.
34. [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.
35. [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.
36. [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.
37. [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.
38. [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.
39. [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.
40. [Chubb Recall Plus For Consumer Goods](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html). Chubb; Recall Plus for Consumer Goods introduction; limits; Client Profile, including electronics among target finished products; Restricted Classes. Accessed 2026-09-16.
41. [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 Specialty Coverage: Representations & Warranties, inland marine, professional liability and ESIS; large US and Canadian multinational companies; Worldview servicing platform; work with clients and brokers. Accessed 2026-09-16.
42. [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.
43. [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.
44. [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.
45. [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.
46. [Chubb Claims](https://www.chubb.com/us-en/claims.html). Chubb; 24/7 claims contact center; client-satisfaction figure for clients with a paid claim; North America claims staffing figure. Accessed 2026-09-16.
47. [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.
48. [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.
49. [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. Accessed 2026-09-16.
50. [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.
51. [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.
52. [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.
53. [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.
54. [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.
55. [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.
56. [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.
57. [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 2026-09-29. 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.

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