---
title: "Chubb vs HUB International Umbrella and Excess Liability Insurance"
description: "Chubb underwrites umbrella by company segment; HUB brokers the layer for transportation, healthcare, hospitality and other casualty industries."
canonical: "https://spot.insure/compare/chubb-vs-hub-international/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Chubb vs HUB International Umbrella and Excess Liability Insurance

Chubb underwrites umbrella by company segment; HUB brokers the layer for transportation, healthcare, hospitality and other casualty industries.

## Research Scope and Use

Use this comparison to evaluate Chubb and HUB International for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb writes umbrella and excess casualty, including lead umbrella for large global companies. HUB International places the layer through its casualty practice for named industries and applies risk-services, claims, litigation and analytics across those programs. [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [6](https://www.hubinternational.com/about-us/ "About Us") [7](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Umbrella and Excess Liability Insurance?

Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Umbrella and Excess Liability Insurance

### Who Carries the Risk Versus Who Places It

Chubb underwrites umbrella and excess liability. HUB International brokers umbrella and excess through its casualty practice rather than underwriting the coverage. The insurer on a HUB placement varies by client and program; HUB’s casualty page does not name that insurer. [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

### How Each Splits the Audience

Chubb structures umbrella and excess casualty into options for large global and national companies, mid-sized companies, the energy industry, and construction. HUB says its casualty expertise, which includes this layer, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate. Construction appears in both descriptions; HUB’s list also names healthcare and hospitality, which Chubb’s reviewed segment list does not. [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

### Claims and Risk Services Around the Layer

HUB says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. For mid-sized companies, Chubb describes excess casualty alternatives with claims handling and timely service; for large global and national companies it specializes in lead umbrella and excess liability. Neither reviewed page publishes numeric umbrella or excess limits. [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance")

## What to Confirm in Umbrella and Excess Liability Insurance Quotes

- Ask Chubb whether the quote is lead umbrella or excess casualty for your segment. [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance")
- Ask HUB which of general liability, auto and employers’ liability will sit under the layer. [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Confirm whether HUB’s claims and litigation support extends to the excess layer itself. [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Get attachment points and issuing names from both quotes. [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## Offering Details

| Criteria | Chubb Umbrella & Excess Casualty Insurance | HUB International Umbrella and Excess Liability Insurance Brokerage |
| --- | --- | --- |
| 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. [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [5](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer..) |
| Issuing Insurer | Not described in the reviewed sources. | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there..) |
| 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. [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..) |
| Limits and Retentions | The reviewed umbrella and excess casualty page does not publish specific attachment points, limit amounts or pricing; these vary by account and program. [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Not found in reviewed sources; scope: Umbrella & Excess Casualty product page as read on 2026-09-23..)<br><br>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. [5](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: Workers'-compensation Total Account Solution section..) | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations..) |
| Risk Services | Not described in the reviewed sources. | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. [9](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail..) |
| How to Apply | 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. [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: Express Umbrella Online Platform section; available to appointed brokers, not directly to buyers..)<br><br>You can request a quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. [4](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Casualty product page quote call-to-action..) | Not described in the reviewed sources. |

## Full Comparison

- [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms.
- [Chubb vs HUB International Builders Risk Insurance](https://spot.insure/compare/chubb-vs-hub-international/builders-risk)
- [Chubb vs HUB International Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy)
- [Chubb vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-hub-international/cargo-transit)
- [Chubb vs HUB International Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-auto)
- [Chubb vs HUB International Commercial Property Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-property)
- [Chubb vs HUB International Crime Insurance](https://spot.insure/compare/chubb-vs-hub-international/crime)
- [Chubb vs HUB International Cyber Insurance](https://spot.insure/compare/chubb-vs-hub-international/cyber)
- [Chubb vs HUB International D&O Insurance](https://spot.insure/compare/chubb-vs-hub-international/directors-officers)
- [Chubb vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/employment-practices)
- [Chubb vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-hub-international/equipment-breakdown)
- [Chubb vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/fiduciary)
- [Chubb vs HUB International General Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/general-liability)
- [Chubb vs HUB International Inland Marine Insurance](https://spot.insure/compare/chubb-vs-hub-international/inland-marine)
- [Chubb vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-hub-international/kidnap-ransom)
- [Chubb vs HUB International Management Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/management-liability)
- [Chubb vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-hub-international/professional-errors-omissions)
- [Chubb vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-hub-international/representations-warranties)
- [Chubb vs HUB International Surety Bonds](https://spot.insure/compare/chubb-vs-hub-international/surety-bonds)
- [Chubb vs HUB International Tech E&O Insurance](https://spot.insure/compare/chubb-vs-hub-international/technology-errors-omissions)
- [Chubb vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-hub-international/workers-compensation)
- [Alliance Risk vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/umbrella-excess)
- [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess)
- [Amelia Risk vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/umbrella-excess)
- [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess)
- [CFC vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-chubb/umbrella-excess)
- [CFC vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess)

## Sources

### Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [Umbrella & Excess Casualty Insurance](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html). Chubb; Umbrella & Excess Casualty Insurance Options: Large Global and National Companies, Mid-Sized Companies, Energy Industry, Construction Industry; Express Umbrella Online Platform. Accessed 2026-09-23.
5. [Workers' Compensation Insurance for Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html). Chubb; Total Account Solution: umbrella insurance providing an additional layer of coverage over existing liability policies. Accessed 2026-09-23.

### HUB International

6. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
7. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
8. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
9. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23.

### Umbrella and Excess Liability Insurance Guide

10. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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