Chubb vs Embroker General Liability Insurance

Chubb does not sell general liability as a standalone monoline product on its public pages. It is packaged inside Chubb's BOP, Benchmarq and Customarq commercial package policies, or combined with pollution coverage in the GL Plus product. ^4,1Company-reported. BOP and technology-industry pages; a business seeking liability-only coverage should confirm whether Chubb will quote it outside a package.

Embroker sells commercial general liability as a standalone line and offers to package it with other coverages such as cyber and workers' compensation. ¹⁰Company-reported. Product-page description; not a statement about the issuing insurer.

Chubb's package products that include general liability target small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail and manufacturing. ⁴Company-reported. BOP eligibility criteria; restates the fact for the general-liability component of the package.

Embroker markets the policy to any business that deals with or employs people, has a physical location with injury risk, or provides a product or service, including consultants, contractors and tradespeople. ¹⁰Company-reported. Product-page eligibility description; not a guarantee of coverage for a particular business.

Embroker says general liability insurance is not required by law, but local governments often require it for a business license and most venues or office leases require proof of coverage. ¹⁰Company-reported. Product-page FAQ: Is General Liability insurance required by law?

Chubb's GL Plus product combines commercial general liability with affirmative products pollution liability and scalable premises pollution liability, and can be paired with umbrella coverage. ⁵Company-reported. Environmental Insurance product page describing GL Plus; targeted at businesses with pollution exposure alongside standard GL exposure.

Within Chubb's BOP, general liability is bundled with property coverage and optional enhancements such as employment practices liability, foreign liability, equipment breakdown and crime coverage. ⁴Company-reported. BOP coverage-highlights list; enhancement availability depends on the issued policy and state.

Embroker lists coverage for third-party bodily injury and property damage, personal injury claims such as libel or slander, product liability, and legal defense costs and settlements. ¹⁰Company-reported. Product-page coverage summary; the issued policy and declarations control.

Embroker says the policy excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), employment practices claims, and property damage to the policyholder's own commercial property. ¹⁰Company-reported. Product-page What's not included section.

The reviewed pages do not publish specific general liability limits, sublimits or deductibles. ^4,5Not found in reviewed sources. BOP, GL Plus and umbrella pages as read on 2026-09-23.

The reviewed product page does not publish specific per-occurrence or aggregate limit options; it only says a higher coverage limit generally costs more. ¹⁰Not publicly disclosed. Product page as read on 2026-09-23.

Chubb Risk Consulting is available to GL Plus and package policyholders, and Chubb says it offers casualty claims services for negligence and misconduct claims. ⁵Company-reported. Environmental page Risk Consulting and Casualty Claims sections; not exclusive to general liability.

Not described in the reviewed sources.

You can request a quote online for a Chubb package that includes general liability, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. ⁴Company-reported. BOP product page call-to-action for business owners and for agents and brokers.

Embroker says applicants can get an instant general liability quote online in a few minutes, with underwriting based on claims history and the type of products or services the business provides. ¹⁰Company-reported. Product-page FAQ: How do you apply for General Liability insurance?; no quote was requested during this research.