Chubb vs Harper Umbrella and Excess Liability Insurance

Chubb underwrites umbrella and excess liability insurance directly, spanning smaller and mid-sized companies through global multinationals, and offers it as an add-on within its small-business Total Account Solution. ^4,5Company-reported. Umbrella & Excess Casualty product page and workers'-compensation Total Account Solution section.

Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. ⁸Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section.

Chubb structures umbrella and excess casualty into separate options for large global and national companies, mid-sized companies, the energy industry, and the construction industry, saying it tailors solutions to each segment's exposures. ⁴Company-reported. Umbrella & Excess Casualty Insurance Options section.

Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. ⁸Company-reported. Umbrella FAQ 'Do I need an umbrella?'.

For large global and national companies, Chubb specializes in lead umbrella and excess liability; for mid-sized companies it offers what it calls competitive excess casualty alternatives with claims handling and timely service. ⁴Company-reported. Umbrella & Excess Casualty product page option descriptions.

Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. ⁸Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify.

Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. ⁸Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.

The reviewed umbrella and excess casualty page does not publish specific attachment points, limit amounts or pricing; these vary by account and program. ⁴Not found in reviewed sources. Umbrella & Excess Casualty product page as read on 2026-09-23.

When bundled through Chubb's small-business Total Account Solution, umbrella insurance is described only as providing "an additional layer of coverage over existing liability policies," without a published limit amount. ⁵Company-reported. Workers'-compensation Total Account Solution section.

Harper says each additional million in umbrella limits typically costs a fraction of the first million, and that industry and underlying limits drive price, but the reviewed page does not publish specific limit amounts, retentions or premium figures. ⁸Not publicly disclosed. Umbrella page 'We know this' section and FAQ 'What does it cost?'; figures would appear on an actual quote.

Chubb offers Express Umbrella, a web-based platform for appointed brokers to reserve, quote, bind and issue umbrella business, which Chubb says can help brokers build specialized books of business. ⁴Company-reported. Express Umbrella Online Platform section; available to appointed brokers, not directly to buyers.

You can request a quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. ⁴Company-reported. Umbrella & Excess Casualty product page quote call-to-action.

You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. ⁸Company-reported. Umbrella page quote form and 'Why Harper' process steps.