Chubb vs 
HUB International: How Do They Compare for Umbrella and Excess Liability Insurance?
Chubb underwrites umbrella directly and specializes in lead umbrella for large global and national companies; HUB International brokers it for transportation, healthcare, hospitality and other industries.
Chubb writes umbrella and excess itself, including lead umbrella for large global companies. HUB International is a broker that places the layer for industries like transportation, healthcare and hospitality and wraps it in claims, litigation and analytics support. 1,3
What Are the Key Differences Between Chubb and HUB International Umbrella and Excess Liability Insurance?
Which Fits Your Company
Chubb sorts its umbrella and excess into four groups: large global and national companies, mid-sized companies, energy and construction. HUB’s casualty practice covers transportation, construction, healthcare, hospitality, manufacturing and distribution, and real estate. A regional hospital group or hotel operator finds its industry named only by HUB; an energy company finds it only at Chubb. Choose Chubb if you’re large, in energy or want the insurer directly; choose HUB if you’re in healthcare, hospitality or transportation and want a broker managing the program. 1 3
Who Handles Your Claim
Chubb underwrites the layer, so its claims team handles your claim; for mid-sized firms it promises claims handling and timely service. HUB brokers the layer, and the insurer varies by program, but HUB adds its own risk-services, claims, litigation and analytics people across your casualty program. With HUB, you get an advocate between you and whichever insurer writes the layer. 1 3
What Should You Confirm in Chubb and HUB International Umbrella and Excess Liability Insurance Quotes?
- Ask Chubb whether you’re getting lead umbrella or excess casualty for your segment. 1
- Ask HUB which insurer issues the policy and which of your liability policies sit underneath. 3
- Ask HUB whether its claims and litigation support covers the excess layer itself. 3
- Get limits and attachment points from both; neither publishes them. 1 3
Chubb vs HUB International Umbrella and Excess Liability Compared
Chubb vs HUB International: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Chubb Umbrella & Excess Casualty Insurance | HUB International Umbrella and Excess Liability Insurance Brokerage |
|---|---|---|
| Who It’s For | 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. 1Company-reported. Umbrella & Excess Casualty Insurance Options section. | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. 3Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria. |
| Coverage Features | 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. 1Company-reported. Umbrella & Excess Casualty product page option descriptions. | HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. 3Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Role in This Line | 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. 1,2Company-reported. Umbrella & Excess Casualty product page and workers'-compensation Total Account Solution section. | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. 3Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
