Chubb vs Embroker: How Do They Compare for Business Owner’s Policy?

Chubb's BOP is open to small businesses up to $30 million in revenue across 500-plus classes; Embroker targets businesses under 100 employees and $10 million in revenue, offers an online quote, and lists cyberattacks as excluded.

Chubb takes businesses up to $30 million in revenue across 500+ classes and can add data-breach cover to the BOP. Embroker sells online to firms under 100 employees and $10 million, and its BOP leaves out cyber, professional and employment claims. ^1,⁵

What Are the Key Differences Between Chubb and Embroker Business Owner’s Policy?

Which Size of Business Qualifies

A company with 150 staff or $15 million in revenue falls outside Embroker's BOP but inside Chubb's. Embroker also requires a physical location, though a home office counts, and quotes on its own platform. Choose Chubb if you're past 100 employees or $10 million; choose Embroker if you're smaller and want a quick online quote. ¹ ⁵

Data Breach and Employment Claims

Chubb can add privacy and data-breach cover, EPLI, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime to the BOP itself. Embroker says its BOP doesn't cover cyberattacks, professional liability, employment claims or criminal acts. It can add professional liability, EPL, spoiled merchandise and mechanical breakdown, but you'll need a separate cyber policy. Chubb is the stronger option if you want breach cover inside one package. ¹ ⁵

Who You Call After a Loss

Chubb runs 24/7 claims reporting and a dedicated Small Commercial claims email. It says 93% of policyholders with a paid claim from 2022 to 2025 were highly satisfied. Embroker's BOP page offers a Resource Hub and chat support but doesn't describe BOP claims handling, so ask who manages your claim. ⁴ ³ ⁵

What Should You Confirm in Chubb and Embroker Business Owner’s Policy Quotes?

If you're near 100 employees or $10 million in revenue, ask whether Embroker will still quote you. ⁵ ¹
Ask Chubb to price the data-breach enhancement, and compare it with a separate cyber policy next to Embroker's quote. ¹ ⁵
Ask Embroker which insurer issues the policy and handles claims. ⁵
Get deductibles in writing from both; neither publishes standard figures. ¹ ⁵

Chubb vs Embroker Business Owner’s Policy Compared

Chubb vs Embroker: Business Owner’s Policy: documented features by provider

Criteria	Chubb Business Owner's Policy (BOP) Insurance	Embroker Business Owners Policy
Who It’s For	Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. ¹Company-reported. Chubb BOP eligibility list; a specific business's eligibility depends on underwriting.	Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. ⁵Company-reported. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all.
How to Apply	You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. ¹Company-reported. Chubb BOP product page call-to-action sections for business owners and for agents and brokers.	Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. ⁵Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.
Coverage Features	Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. ¹Company-reported. Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state.	The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. ⁵Company-reported. Product-page coverage summary; the issued policy and declarations control. Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. ⁵Company-reported. Product-page What's not included and FAQ sections. Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. ⁵Company-reported. FAQ section; specific endorsement availability depends on underwriting.
Role in This Line	Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. ¹Company-reported. Chubb BOP product page; describes Chubb's own packaged small-business offering.	Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. ⁵Company-reported. Product-page description of the bundle; not a statement about the issuing insurer.