Chubb vs Embroker Management Liability Insurance

Chubb underwrites management liability directly through a suite of products it says is designed for public, private and not-for-profit organizations, with the ForeFront Portfolio as its flagship product for private, not-for-profit and healthcare organizations. ^4,5Company-reported. Management Liability product page and ForeFront Portfolio page.

Embroker designed EMIS as its own bundled management liability product, sold either as a bundle or as individual coverages, and distributes it directly to founders and finance leaders as well as through its broker network via Embroker Access. ⁹Company-reported. August 2026 launch announcement; company description of the product structure.

Not described in the reviewed sources.

Embroker names Everspan Indemnity Insurance Company (AM Best: A- Excellent) as the underwriter of EMIS, backed by what Embroker describes as a coalition of A-rated reinsurers it does not name. ⁹Company-reported. Launch announcement's 'About Embroker' section; this is a company statement, not an independently verified filing or program agreement.

The ForeFront Portfolio covers private companies, not-for-profit organizations and healthcare organizations, with separate D&O and fiduciary versions for each. ⁵Company-reported. ForeFront Portfolio page description and coverage list.

Embroker says EMIS is open to a broader set of private companies than its two prior management liability products, extending beyond technology into professional services, manufacturing, construction and wholesale trade, and covering companies from pre-revenue startups to established businesses. ⁹Company-reported. Launch announcement 'What's changing' section; the Tech E&O/Cyber component of the bundle is limited to eligible technology companies.

Chubb's management liability line spans management liability for public companies, private/not-for-profit organizations and financial institutions, plus fiduciary liability, crime, kidnap/ransom/extortion, workplace violence expense and employment practices liability, and global transactional risk coverage. ⁴Company-reported. Management Liability product-list page.

Within the ForeFront Portfolio, Chubb offers up to seven optional coverage parts (D&O, EPL, fiduciary liability, employed lawyers liability, crime, kidnap/ransom/extortion, and workplace violence expense) that it says can work as standalone policies or be combined. ⁵Company-reported. ForeFront Portfolio page, Available Coverages section.

Embroker bundles four coverages into one EMIS application: directors and officers liability, employment practices liability, fiduciary liability, and technology errors and omissions/cyber liability for eligible technology companies, and lets buyers select individual coverages or the full bundle. ⁹Company-reported. Launch announcement coverage list; the issued policy and declarations control, and this is the bundle structure, not standalone-line policy wording.

Embroker says EMIS replaces its two previous management liability products for new business; existing policyholders on the legacy products are not required to switch and can keep renewing them, but the legacy products are no longer sold to new customers. ⁹Company-reported. Launch announcement transition rules as of the announcement date; not a renewal guarantee for any individual policyholder.

The reviewed pages do not publish specific limit or retention amounts for management liability coverage generally; figures would appear on the issued policy. ^4,5Not found in reviewed sources. Management Liability and ForeFront Portfolio pages as read on 2026-09-23.

Not described in the reviewed sources.

Chubb says its Management Liability leadership team publishes insight on risks including mergers and acquisitions, kidnap/ransom, extortion and social engineering fraud, and describes value-added loss prevention services for ForeFront Portfolio policyholders. ^4,5Company-reported. Management Liability insights section; ForeFront Portfolio Available Coverages description.

Not described in the reviewed sources.

Agents and brokers can quote and issue the ForeFront Portfolio through Chubb Marketplace, Chubb's online quoting platform; business owners can also request a management liability quote directly on Chubb's site. ^5,4Company-reported. ForeFront Portfolio page quoting section; Management Liability page quote call-to-action.

Embroker says EMIS uses a single digital application and underwriting flow covering all four bundled coverages, replacing a multi-application process it says previously took days or weeks, and that applicants may get an underwriting response in the same session. ⁹Company-reported. Launch announcement description of the application flow; no application was submitted during this research, and actual turnaround depends on the specific submission.