Chubb vs 
HUB International: How Do They Compare for D&O Insurance?
Organizations seeking D&O brokerage across private, public, and nonprofit segments can look to HUB International for attorney-led claims support; Chubb insures ForeFront coverage for smaller private companies.
Chubb's ForeFront Portfolio 3.0 is its own D&O policy for smaller private companies, quoted by agents on Chubb Marketplace. HUB's ProEx practice shops D&O for private, nonprofit and public companies and says it places over $2 billion in premium with insurers it doesn't name. 1,2,3,4
What Are the Key Differences Between Chubb and HUB International D&O Insurance?
One Private-Company Policy vs a Broker for Every Company Type
Chubb built this ForeFront version for smaller privately held companies and sells separate versions for nonprofits and healthcare; your agent or broker quotes it on Chubb Marketplace. 1 2 HUB brokers D&O for private companies, nonprofits with advisory boards and public companies with shareholders, and you start by talking to a broker. 3 Choose Chubb if you are a smaller private company that wants a known form, including a guaranteed IPO quote; choose HUB if you are public, larger, or want several insurers compared. 1 3
Published Policy Terms vs Brokerage Scale
Chubb publishes specifics you can check: a $500,000 sublimit for evaluating shareholder derivative demands, an optional extra $500,000 Side A limit for executives, and cover for private placements and failed IPOs. 1 HUB publishes no policy terms, since they depend on the insurer; instead it points to ProEx's premium volume and a named Claims & Legal Risks Group. 4
What Should You Confirm in Chubb and HUB International D&O Insurance Quotes?
- Ask HUB which insurer is quoting, and whether it offers public-company or nonprofit wording if you need it. 3
- Confirm Chubb's quote is ForeFront 3.0 for private companies, not the nonprofit or healthcare version. 1
- Ask Chubb for the overall policy limit, which it doesn't publish, and compare it with HUB's placed limit. 1 4
- Ask what HUB's Claims & Legal Risks Group would do for you when a claim is filed. 4
Chubb vs HUB International D&O Insurance Compared
Chubb vs HUB International: D&O Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio 3.0 Directors & Officers and Entity Liability Insurance | HUB International Directors and Officers Insurance Brokerage |
|---|---|---|
| Who It’s For | Chubb aims this D&O product at smaller private companies and offers separate versions for not-for-profit and healthcare organizations in its ForeFront Portfolio. 1,2Company-reported. ForeFront Portfolio 3.0 D&O page opening description; ForeFront Portfolio page coverage list. | HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. 3Company-reported. D&O product page target-market description; not an underwriting appetite statement. |
| How to Apply | Agents and brokers can quote and issue the ForeFront Portfolio, including its D&O and Entity Liability coverage, through Chubb Marketplace. 2Company-reported. ForeFront Portfolio page quoting section. | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. 3Company-reported. D&O product page call to action. |
| Coverage Features | Chubb lists a broad definition of Insured covering the parent organization, subsidiaries, directors or officers (including foreign equivalents), advisory board members and volunteers worldwide; automatic not-for-profit outside-directorship coverage; a broad definition of Claim including written demands, civil and criminal proceedings, and extradition requests; and civil fines and penalties coverage where insurable, including FCPA civil penalties. 1Company-reported. Coverage Highlights list; subject to the policy as issued. Chubb says the policy uses a streamlined insured-versus-insured exclusion with exceptions (including financial impairment, former executives after one year, and whistleblower and employment claims) and conduct exclusions that require final non-appealable adjudication before they apply. 1Company-reported. Coverage Highlights list, exclusion-related bullets. Chubb says the policy provides private-placement and failed-IPO coverage, a full Side A carve-back to the pollution exclusion, and a guaranteed IPO quotation including coverage for road-show presentations. 1Company-reported. Coverage Highlights list. | HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. 3Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. 3Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant. |
| Role in This Line | Chubb underwrites D&O and Entity Liability directly through ForeFront Portfolio 3.0, describing this specific version as designed for directors and officers of smaller, privately held companies. 1Company-reported. ForeFront Portfolio 3.0 D&O and Entity Liability product page. | HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. 3,4Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. |
