---
title: "Chubb vs Insureon"
description: "Compare Chubb’s insurer-backed commercial programs and agent route with Insureon’s online small-business quote and agent route."
canonical: "https://spot.insure/compare/chubb-vs-insureon"
page-type: "provider-comparison"
updated-at: "2026-09-29"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/chubb-vs-insureon)

# Chubb vs Insureon

Compare Chubb’s insurer-backed commercial programs and agent route with Insureon’s online small-business quote and agent route.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Choose Insureon if you want an online starting point for small- or midsize-business quotes with agent help; choose Chubb when you need to compare its insurer-issued commercial programs, including technology products, through an appointed agent or broker. Chubb is an insurance group whose US underwriting companies issue policies; Insureon is a digital agency that helps buyers reach insurers. [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [3](https://www.chubb.com/us-en/business-insurance.html "Commercial Insurance") [47](https://www.insureon.com/small-business-insurance/commercial-insurance "Commercial Insurance for Small & Midsize Companies") [46](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Chubb

Role: Insurance carrier.

Carrier & MGA Spot Score: **6.4/10** (partial score; 40% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates Federal Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company A++ (Superior) with a stable outlook, but a rating is an opinion, not a statutory figure. Statutory capital, surplus and results are reported only in combination across the subsidiary group, and no current product is mapped to an issuing entity, so the issuing entity’s own resources are not established.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/chubb/reliability).

### Insureon

Role: Broker.

Broker Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The company page does not map its public brand disclosure to each insurer, particular line, policy placement, or state-level producer/appointment relationship; no proposal or policy was reviewed. This is a scope limitation, not a prerequisite to qualified brand-level marketing.; Historical Texas regulator orders identify SPG LLC surplus-lines license 2081761, while the company list displays Texas 2081759. Their relationship and connection to Insureon-branded placements are unresolved; neither number is guessed, substituted, or treated as proof of a lapse.; SPG LLC regulatory domicile/home-state producer designation is not established; Florida's record shows Delaware formation and New Jersey address, while Insureon lists a Chicago office.; Ownership source shows HUB INTERNATIONAL U.S. HOLDINGS INC. as member in the Florida filing, but the complete ultimate ownership/control chain and current parent consolidation were not independently established.; No executed carrier appointment list, delegated authority, binding authority, network agreement terms, placement share, or product/state/issuer mapping was reviewed.; Texas and New York conduct orders are against SPG LLC; reviewed evidence does not attribute the underlying filings to Insureon-specific retail placements or test remediation/compliance since each order.; Pennsylvania's posted 2026 consent-order copy is not visibly executed, and the order makes effectiveness contingent on execution; a final executed copy or subsequent docket outcome was not located in this search.; No individual customer proposal/policy documents were examined to verify the fee, commission, conflict, insurer identity or claims/service disclosures delivered for a specific transaction.; Broker financial-strength ratings and claims-handling performance are not applicable to the broker rubric. No Insureon/SPG balance-sheet or insurer financial-strength rating is attributed to the broker; no one issuer backs all placements based on this research.); Carrier-Network Strength (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The company page does not map its public brand disclosure to each insurer, particular line, policy placement, or state-level producer/appointment relationship; no proposal or policy was reviewed. This is a scope limitation, not a prerequisite to qualified brand-level marketing.; Historical Texas regulator orders identify SPG LLC surplus-lines license 2081761, while the company list displays Texas 2081759. Their relationship and connection to Insureon-branded placements are unresolved; neither number is guessed, substituted, or treated as proof of a lapse.; SPG LLC regulatory domicile/home-state producer designation is not established; Florida's record shows Delaware formation and New Jersey address, while Insureon lists a Chicago office.; Ownership source shows HUB INTERNATIONAL U.S. HOLDINGS INC. as member in the Florida filing, but the complete ultimate ownership/control chain and current parent consolidation were not independently established.; No executed carrier appointment list, delegated authority, binding authority, network agreement terms, placement share, or product/state/issuer mapping was reviewed.; Texas and New York conduct orders are against SPG LLC; reviewed evidence does not attribute the underlying filings to Insureon-specific retail placements or test remediation/compliance since each order.; Pennsylvania's posted 2026 consent-order copy is not visibly executed, and the order makes effectiveness contingent on execution; a final executed copy or subsequent docket outcome was not located in this search.; No individual customer proposal/policy documents were examined to verify the fee, commission, conflict, insurer identity or claims/service disclosures delivered for a specific transaction.; Broker financial-strength ratings and claims-handling performance are not applicable to the broker rubric. No Insureon/SPG balance-sheet or insurer financial-strength rating is attributed to the broker; no one issuer backs all placements based on this research.); Regulatory Conduct (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The company page does not map its public brand disclosure to each insurer, particular line, policy placement, or state-level producer/appointment relationship; no proposal or policy was reviewed. This is a scope limitation, not a prerequisite to qualified brand-level marketing.; Historical Texas regulator orders identify SPG LLC surplus-lines license 2081761, while the company list displays Texas 2081759. Their relationship and connection to Insureon-branded placements are unresolved; neither number is guessed, substituted, or treated as proof of a lapse.; SPG LLC regulatory domicile/home-state producer designation is not established; Florida's record shows Delaware formation and New Jersey address, while Insureon lists a Chicago office.; Ownership source shows HUB INTERNATIONAL U.S. HOLDINGS INC. as member in the Florida filing, but the complete ultimate ownership/control chain and current parent consolidation were not independently established.; No executed carrier appointment list, delegated authority, binding authority, network agreement terms, placement share, or product/state/issuer mapping was reviewed.; Texas and New York conduct orders are against SPG LLC; reviewed evidence does not attribute the underlying filings to Insureon-specific retail placements or test remediation/compliance since each order.; Pennsylvania's posted 2026 consent-order copy is not visibly executed, and the order makes effectiveness contingent on execution; a final executed copy or subsequent docket outcome was not located in this search.; No individual customer proposal/policy documents were examined to verify the fee, commission, conflict, insurer identity or claims/service disclosures delivered for a specific transaction.; Broker financial-strength ratings and claims-handling performance are not applicable to the broker rubric. No Insureon/SPG balance-sheet or insurer financial-strength rating is attributed to the broker; no one issuer backs all placements based on this research.); Disclosure Clarity (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The company page does not map its public brand disclosure to each insurer, particular line, policy placement, or state-level producer/appointment relationship; no proposal or policy was reviewed. This is a scope limitation, not a prerequisite to qualified brand-level marketing.; Historical Texas regulator orders identify SPG LLC surplus-lines license 2081761, while the company list displays Texas 2081759. Their relationship and connection to Insureon-branded placements are unresolved; neither number is guessed, substituted, or treated as proof of a lapse.; SPG LLC regulatory domicile/home-state producer designation is not established; Florida's record shows Delaware formation and New Jersey address, while Insureon lists a Chicago office.; Ownership source shows HUB INTERNATIONAL U.S. HOLDINGS INC. as member in the Florida filing, but the complete ultimate ownership/control chain and current parent consolidation were not independently established.; No executed carrier appointment list, delegated authority, binding authority, network agreement terms, placement share, or product/state/issuer mapping was reviewed.; Texas and New York conduct orders are against SPG LLC; reviewed evidence does not attribute the underlying filings to Insureon-specific retail placements or test remediation/compliance since each order.; Pennsylvania's posted 2026 consent-order copy is not visibly executed, and the order makes effectiveness contingent on execution; a final executed copy or subsequent docket outcome was not located in this search.; No individual customer proposal/policy documents were examined to verify the fee, commission, conflict, insurer identity or claims/service disclosures delivered for a specific transaction.; Broker financial-strength ratings and claims-handling performance are not applicable to the broker rubric. No Insureon/SPG balance-sheet or insurer financial-strength rating is attributed to the broker; no one issuer backs all placements based on this research.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/insureon/reliability).

## Chubb Reviews

Review Score: 6.9 / 10 from 5 rated sources, equally weighted.

Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.

- NerdWallet: NerdWallet editorial rating 5.0 (5 stars). Chubb identity; US commercial insurance review/satisfaction evidence sought on NerdWallet. Period: updated 2026-05-14. Checked 2026-09-25. [Chubb Business Insurance Review 2026: Top-Rated Company, Customizable BOP](https://www.nerdwallet.com/business/insurance/learn/chubb-small-business-insurance)
- Trustpilot: TrustScore 4.2 (5 stars); 3345 reviews. Chubb identity; US commercial insurance review/satisfaction evidence sought on Trustpilot. Checked 2026-09-25. [Chubb (European Region) Reviews](https://www.trustpilot.com/review/www.chubb.com)
- Google: Google star rating 2.0 (5 stars); 8 reviews. One Chubb Group local listing at 701 5th Ave, Seattle, Washington; profile-level feedback is not firmwide, not line-specific, and may include personal policies/claims. Checked 2026-09-25. [Chubb Group of Insurance Companies — Google reviews via Birdeye](https://reviews.birdeye.com/chubb-group-of-insurance-companies-149396582765159)
- ConsumerAffairs: ConsumerAffairs star rating 1.8 (5 stars); 20 reviews. ConsumerAffairs page for U.S. Chubb auto insurance (personal auto); not commercial-policy feedback. Period: page updated 2026-08-14. Checked 2026-09-25. [Chubb Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/chubb.html)
- MoneyGeek: MoneyGeek customer score 4.2 (5 points). MoneyGeek’s U.S. small-business insurance customer-review analysis; publisher describes it as cross-source review analysis and does not isolate one commercial line. Period: 2026 review; MoneyGeek reports over 1,100 reviews, collection period not stated. Checked 2026-09-25. [Chubb Business Insurance Review (2026 Ratings)](https://www.moneygeek.com/insurance/business/chubb-review/)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/chubb/reviews).

## Insureon Reviews

Review Score: 5.8 / 10 from 4 rated sources, equally weighted.

Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.

- Trustpilot: TrustScore 4.5 (out of 5); 2401 reviews. Insureon's own Trustpilot profile (claimed since 2014), checked 2026-09-29. Reviews are collected by Insureon, so they are not a random sample. Period: all time; 548 in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Insureon Reviews | Trustpilot](https://www.trustpilot.com/review/www.insureon.com)
- ConsumerAffairs: Displayed listing rating 1.0 (out of 5); 344 reviews. Insureon listing on ConsumerAffairs, page updated 2026-08-14 (read in an earlier pass; the numbers were not re-confirmed on the latest check). Period: page updated 2026-08-14. Checked 2026-09-29. [Insureon Reviews (From First-hand Experiences)](https://www.consumeraffairs.com/insurance/insureon.html)
- BBB: BBB business grade A+. BBB Chicago/Northern Illinois profile for Insureon; BBB Accredited since 2025-08-29. Checked 2026-09-29. [Insureon | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675)
- BBB: Customer-review rating 1 (out of 5); 2 reviews. Two self-selected customer reviews on the BBB profile (read earlier; the 2 count was reconfirmed 2026-09-29). Period: BBB profile checked 2026-09-29. Checked 2026-09-29. [Insureon | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/customer-reviews)
- BBB: Complaints 6. BBB complaint list for Insureon; no policy-volume denominator. Period: closed in the last three years (BBB, 2026-09-29). Checked 2026-09-29. [Insureon | BBB Complaints](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/insureon/reviews).





## Coverage Comparison

| Coverage Type | Chubb | Insureon |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Chubb offers builders risk insurance. [22](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [21](https://www.chubb.com/us-en/business-insurance/inland-marine.html "Inland Marine Insurance") | Not listed |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Chubb offers business owner’s policies for eligible small businesses with up to $30 million in revenue. [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | Listed: Insureon markets Business Owner’s Policy (BOP); description does not establish insurer, policy terms, or individual availability. [56](https://www.insureon.com/small-business-insurance/business-owners-policy "Business Owner’s Policy, BOP Insurance - Get Online Quotes") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Chubb offers cargo insurance. [24](https://www.chubb.com/us-en/business-insurance/worldwide-ocean-cargo-insurance.html "Worldwide Ocean Cargo Insurance") | Not listed |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Chubb offers commercial auto insurance. [17](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") | Listed: Insureon markets Commercial Auto; description does not establish insurer, policy terms, or individual availability. [59](https://www.insureon.com/small-business-insurance/commercial-auto "Commercial Auto Insurance - Get Fast & Free Quotes") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Chubb offers commercial property insurance. [15](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | Listed: Insureon markets Commercial Property; description does not establish insurer, policy terms, or individual availability. [58](https://www.insureon.com/small-business-insurance/commercial-property "Commercial Property Insurance - Get Online Quotes") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Chubb offers crime coverage within its ForeFront portfolio for private, nonprofit and health care organizations. [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [5](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | Not listed |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Chubb offers cyber insurance. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") | Listed: Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability. [57](https://www.insureon.com/small-business-insurance/cyber-liability "Cyber Insurance - Get Online Quotes") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Chubb offers directors and officers liability insurance for smaller privately held companies through ForeFront. [13](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers And Entity Liability Insurance") [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Chubb offers employment practices liability insurance. [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [14](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | Not listed |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: Chubb offers equipment breakdown insurance. [23](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [5](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | Not listed |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: Insureon markets Fidelity Bonds; description does not establish insurer, policy terms, or individual availability. [62](https://www.insureon.com/small-business-insurance/business-bonds "Small Business Bonds and Insurance: What You Need to Know") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Chubb offers fiduciary liability insurance. [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [14](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | Not listed |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Chubb offers general liability insurance within its commercial package products. [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [20](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") | Listed: Insureon markets General Liability; description does not establish insurer, policy terms, or individual availability. [53](https://www.insureon.com/small-business-insurance/general-liability "General Liability Insurance - Get Online Quotes") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: Chubb offers kidnap and ransom insurance. [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [14](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Chubb offers management liability insurance. [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [14](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | Not listed |
| [Media liability](https://spot.insure/coverage/media) | Listed: Chubb offers media liability insurance through DigiTech ERM for technology companies. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") | Not listed |
| [Product recall](https://spot.insure/coverage/product-recall) | Listed: Chubb offers product recall insurance for businesses handling finished consumer goods. [26](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Chubb Recall Plus For Consumer Goods") [28](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [5](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | Listed: Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability. [55](https://www.insureon.com/small-business-insurance/professional-liability "Professional Liability Insurance - Get Online Quotes") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: Chubb offers representations and warranties insurance within its offering for large US- and Canadian-based multinational companies. [27](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage And Solutions For Large Accounts") | Not listed |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Chubb offers surety bonds. [25](https://www.chubb.com/us-en/surety.html "Surety Bonds") | Listed: Insureon markets Small Business Surety Bonds; description does not establish insurer, policy terms, or individual availability. [62](https://www.insureon.com/small-business-insurance/business-bonds "Small Business Bonds and Insurance: What You Need to Know") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Chubb offers technology errors and omissions insurance through DigiTech ERM for technology companies. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | Not listed |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: Chubb offers inland marine insurance. [21](https://www.chubb.com/us-en/business-insurance/inland-marine.html "Inland Marine Insurance") [28](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") | Listed: Insureon markets Tools and Equipment Insurance; description does not establish insurer, policy terms, or individual availability. [61](https://www.insureon.com/small-business-insurance/contractors-tools-equipment "Tools & Equipment Insurance for Contractors - Get Online Quotes") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Chubb offers umbrella and excess liability insurance. [16](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") | Listed: Insureon markets Commercial Umbrella; description does not establish insurer, policy terms, or individual availability. [60](https://www.insureon.com/small-business-insurance/umbrella-liability "Commercial Umbrella Insurance - Get Online Quotes") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Chubb offers workers’ compensation insurance for small businesses, from one employee up to $30 million in revenue, including technology companies. [8](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance For Small Business") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | Listed: Insureon markets Workers’ Compensation; description does not establish insurer, policy terms, or individual availability. [54](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Chubb and Insureon

### Business Roles and Access to Insurers

Businesses buying Chubb coverage receive a policy from a US underwriting company, not from Chubb Limited, the Swiss holding company. Chubb is the marketing name for the group’s insurance subsidiaries and related services. [39](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm "Chubb Limited Form 10-K For The Year Ended 31 December 2025") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [25](https://www.chubb.com/us-en/surety.html "Surety Bonds") (Evidence: Verified; scope: Group identity from the 2025 Form 10-K Item 1 and U.S. website legal disclosures. The holding company is not the risk-bearing insurer on a given U.S. policy.; verified: 2026-09-16.)

Insureon describes itself as a digital agency for US small-business insurance and says it works in both agent and broker roles; it distinguishes insurers as the companies that issue policies and pay claims. This company-reported description does not establish Insureon as an insurer or verify its capacity or license for a particular line, risk, or state. [46](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [47](https://www.insureon.com/small-business-insurance/commercial-insurance "Commercial Insurance for Small & Midsize Companies") (Evidence: Company-reported; scope: Company description of Insureon's US small-business distribution roles; it does not identify capacity, insurer or licensing for a specific product, risk, or state.; verified: 2026-09-28.)

The companies sit at different points in the transaction: Chubb’s underwriting subsidiaries issue its policies, while an independent agent or broker usually brings a commercial risk to Chubb. Insureon describes an agency role and distinguishes itself from the insurers that issue policies. For a buyer, that changes who underwrites the terms and which intermediary will collect the application. Ask for the insurer and producing agency on the proposal, not just the brand name. [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [46](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works")

### Customer Fit

Startups through multinationals in software, technology services, communications and hardware can ask Chubb about technology insurance; its small-business BOP also lists technology among 500+ classes for firms with up to $30 million revenue. [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [5](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") (Evidence: Company-reported; scope: Company marketing of industry appetite and BOP eligibility. It does not establish that a particular Bay Area startup will be quoted or bound.; verified: 2026-09-16.)

Insureon's US commercial-insurance pages describe marketing segments of small businesses with 1–20 employees and midsize businesses with 21–100 employees. Its examples include sole proprietors, independent contractors, freelancers, startups, single-member LLCs, and microbusinesses, and its guidance is organized by profession and business type. These labels are marketing categories, not underwriting eligibility rules for each policy. [47](https://www.insureon.com/small-business-insurance/commercial-insurance "Commercial Insurance for Small & Midsize Companies") (Evidence: Company-reported; scope: Marketing categories and examples on Insureon's US commercial-insurance page; they do not define eligibility for any individual insurance product or insurer.; verified: 2026-09-28.)

Chubb’s technology practice speaks to risks from startups through multinational technology companies, while its small-business BOP lists technology among more than 500 classes and a published revenue cap. Insureon’s employee bands describe broad small and midsize marketing segments, not underwriting rules. A larger or specialized technology company should ask Chubb about the product and eligibility for its operations; a smaller firm can use Insureon’s online route to see which insurers will consider its business. [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [47](https://www.insureon.com/small-business-insurance/commercial-insurance "Commercial Insurance for Small & Midsize Companies")

### Application and Quote Process

Eligible small businesses can get agent-assisted quotes through Chubb Marketplace, with Cyber Central offering an express cyber route; the described online path is for appointed agents and brokers, not a general-public bind for middle-market technology programs. Cyber risks under $100 million revenue may qualify; referred risks go to underwriters. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [30](https://www.chubb.com/us-en/contact.html "Contact Chubb") [31](https://www.chubb.com/us-en/contact-us.html "Chubb Insurance In The U.S.") [12](https://www.chubb.com/us-en/business-insurance/forefront-3-0-private-company.html "ForeFront Portfolio 3.0 For Private Companies") (Evidence: Company-reported; scope: U.S. agent platforms and buyer contact paths as of 16 September 2026. Quote speed and bindability are not guaranteed for any applicant.; verified: 2026-09-16.)

Businesses can start Insureon's online application for commercial quote options. Insureon says small businesses can expect direct quotes within minutes, while midsize-business routing depends on profession and may include online quotes or a broker referral; licensed agents can answer questions. These are advertised routes, not a tested or guaranteed quote, bind, or purchase outcome. [47](https://www.insureon.com/small-business-insurance/commercial-insurance "Commercial Insurance for Small & Midsize Companies") [46](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [48](https://www.insureon.com/contact-us "Contact Us and Get Insured Today") (Evidence: Company-reported; scope: Publicly described entry points and early quote routing for US commercial customers; no application was submitted and no quote or purchase result was tested.; verified: 2026-09-28.)

Chubb Marketplace and Cyber Central are described as agent and broker routes, not a general-public bind path for middle-market technology programs. Insureon lets a business start online, but says routing can vary by profession and business size. If you need a complex technology E&O or cyber submission, ask what underwriting materials Chubb needs and who will submit them; if you want to start online, ask Insureon whether your business will receive an online quote or agent referral. [29](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb") [47](https://www.insureon.com/small-business-insurance/commercial-insurance "Commercial Insurance for Small & Midsize Companies")

### Service and Renewals

Your agent or broker is the first service contact for most Chubb policies. Chubb also offers billing and policy support for eligible small-business accounts, renewal servicing for lower-midmarket clients and Worldview document, certificate and claims-status tools for multinational accounts. [30](https://www.chubb.com/us-en/contact.html "Contact Chubb") [19](https://www.chubb.com/us-en/agents-brokers/campaigns/lower-middle-market-business-insurance.html "Lower Midmarket Insurance Solutions") [27](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage And Solutions For Large Accounts") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [18](https://www.chubb.com/us-en/business-insurance/customarq-package-policy.html "Customarq Package Insurance Policy") (Evidence: Company-reported; scope: Company-described servicing channels. Staffing and engineer counts are company-reported. Which services apply depends on product, account size and appointment.; verified: 2026-09-16.)

Insureon says customers can work with a dedicated Account Manager to review their insurance program and that renewal preparations can begin 60–90 days before the renewal date. The insurer reviews the policy and decides any coverage or premium changes and whether to renew. The lead time is company guidance, not a universal or independently verified service commitment. [49](https://www.insureon.com/blog/commercial-insurance-renewal-checklist "Be prepared with a commercial insurance renewal checklist") (Evidence: Company-reported; scope: Insureon's general commercial-renewal guidance, updated March 5, 2026; not a service-level commitment, guarantee of renewal, or promise of timing, pricing, or coverage for a particular customer.; verified: 2026-09-28.)

Chubb describes servicing through an agent or broker, with additional tools and services for eligible account segments. Insureon describes agent assistance plus online document access, with a dedicated account manager for renewals. Neither description promises a particular service level for your policy. Compare who will handle certificates, endorsements, claims questions and renewal submissions after binding. [34](https://www.chubb.com/us-en/claims/online-mobile-tools.html "Online & Mobile Claims Tools") [50](https://www.insureon.com/about-us "About Insureon")

## What to Confirm in Quotes

- Ask Chubb’s appointed producer which Chubb company would issue each proposed coverage and whether the specific technology product is eligible for your state, revenue and operations. [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [29](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb")

- Ask Insureon which insurer and producing agency would appear on the quote and whether your application will stay online or move to a broker referral. [47](https://www.insureon.com/small-business-insurance/commercial-insurance "Commercial Insurance for Small & Midsize Companies")

- Compare the proposed forms, limits, retentions, exclusions, claims contacts, service responsibilities and total premium before treating similarly named coverage as equivalent. [6](https://www.chubb.com/us-en/business-insurance/technology-services-consulting.html "Technology Services And Consulting Insurance Solutions") [46](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Chubb | Insureon |
| --- | --- | --- |
| Business role | Businesses buying Chubb coverage receive a policy from a US underwriting company, not from Chubb Limited, the Swiss holding company. Chubb is the marketing name for the group’s insurance subsidiaries and related services. [39](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm "Chubb Limited Form 10-K For The Year Ended 31 December 2025") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [25](https://www.chubb.com/us-en/surety.html "Surety Bonds") (Evidence: Verified; scope: Group identity from the 2025 Form 10-K Item 1 and U.S. website legal disclosures. The holding company is not the risk-bearing insurer on a given U.S. policy.; verified: 2026-09-16.)<br><br>Most commercial buyers need an independent agent or broker to reach Chubb; surplus-lines products require a licensed surplus-lines producer. Chubb appoints producers and operates agent portals, while Chubb Insurance Solutions Agency, Inc. administers Chubb Access appointments. [29](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb") [30](https://www.chubb.com/us-en/contact.html "Contact Chubb") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [38](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/campaign/pdfs/55010055_NewYork-2022-24-05.pdf "Chubb New York Region Appointment Materials") (Evidence: Company-reported; scope: U.S. distribution as described on agent-access, contact and terms pages. This does not mean every independent agent is appointed for every product.; verified: 2026-09-16.) | Insureon describes itself as a digital agency for US small-business insurance and says it works in both agent and broker roles; it distinguishes insurers as the companies that issue policies and pay claims. This company-reported description does not establish Insureon as an insurer or verify its capacity or license for a particular line, risk, or state. [46](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [47](https://www.insureon.com/small-business-insurance/commercial-insurance "Commercial Insurance for Small & Midsize Companies") (Evidence: Company-reported; scope: Company description of Insureon's US small-business distribution roles; it does not identify capacity, insurer or licensing for a specific product, risk, or state.; verified: 2026-09-28.) |
| Customer focus | Startups through multinationals in software, technology services, communications and hardware can ask Chubb about technology insurance; its small-business BOP also lists technology among 500+ classes for firms with up to $30 million revenue. [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [5](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") (Evidence: Company-reported; scope: Company marketing of industry appetite and BOP eligibility. It does not establish that a particular Bay Area startup will be quoted or bound.; verified: 2026-09-16.) | Insureon's US commercial-insurance pages describe marketing segments of small businesses with 1–20 employees and midsize businesses with 21–100 employees. Its examples include sole proprietors, independent contractors, freelancers, startups, single-member LLCs, and microbusinesses, and its guidance is organized by profession and business type. These labels are marketing categories, not underwriting eligibility rules for each policy. [47](https://www.insureon.com/small-business-insurance/commercial-insurance "Commercial Insurance for Small & Midsize Companies") (Evidence: Company-reported; scope: Marketing categories and examples on Insureon's US commercial-insurance page; they do not define eligibility for any individual insurance product or insurer.; verified: 2026-09-28.) |
| Application process | Eligible small businesses can get agent-assisted quotes through Chubb Marketplace, with Cyber Central offering an express cyber route; the described online path is for appointed agents and brokers, not a general-public bind for middle-market technology programs. Cyber risks under $100 million revenue may qualify; referred risks go to underwriters. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [30](https://www.chubb.com/us-en/contact.html "Contact Chubb") [31](https://www.chubb.com/us-en/contact-us.html "Chubb Insurance In The U.S.") [12](https://www.chubb.com/us-en/business-insurance/forefront-3-0-private-company.html "ForeFront Portfolio 3.0 For Private Companies") (Evidence: Company-reported; scope: U.S. agent platforms and buyer contact paths as of 16 September 2026. Quote speed and bindability are not guaranteed for any applicant.; verified: 2026-09-16.) | Businesses can start Insureon's online application for commercial quote options. Insureon says small businesses can expect direct quotes within minutes, while midsize-business routing depends on profession and may include online quotes or a broker referral; licensed agents can answer questions. These are advertised routes, not a tested or guaranteed quote, bind, or purchase outcome. [47](https://www.insureon.com/small-business-insurance/commercial-insurance "Commercial Insurance for Small & Midsize Companies") [46](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [48](https://www.insureon.com/contact-us "Contact Us and Get Insured Today") (Evidence: Company-reported; scope: Publicly described entry points and early quote routing for US commercial customers; no application was submitted and no quote or purchase result was tested.; verified: 2026-09-28.) |
| Servicing and renewals | Your agent or broker is the first service contact for most Chubb policies. Chubb also offers billing and policy support for eligible small-business accounts, renewal servicing for lower-midmarket clients and Worldview document, certificate and claims-status tools for multinational accounts. [30](https://www.chubb.com/us-en/contact.html "Contact Chubb") [19](https://www.chubb.com/us-en/agents-brokers/campaigns/lower-middle-market-business-insurance.html "Lower Midmarket Insurance Solutions") [27](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage And Solutions For Large Accounts") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [18](https://www.chubb.com/us-en/business-insurance/customarq-package-policy.html "Customarq Package Insurance Policy") (Evidence: Company-reported; scope: Company-described servicing channels. Staffing and engineer counts are company-reported. Which services apply depends on product, account size and appointment.; verified: 2026-09-16.) | Insureon says licensed agents can discuss a business's needs, ask follow-up questions, identify coverage options, and explain what a policy does and does not cover. It also says customers can access certificates and manage coverage online. These are company-described capabilities; availability for a particular account action was not tested, and online self-service does not replace the insurer. [46](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [50](https://www.insureon.com/about-us "About Insureon") (Evidence: Company-reported; scope: Company-described service channels for commercial customers; not an account test or a promise that every policy action is available online.; verified: 2026-09-28.)<br><br>Insureon says customers can work with a dedicated Account Manager to review their insurance program and that renewal preparations can begin 60–90 days before the renewal date. The insurer reviews the policy and decides any coverage or premium changes and whether to renew. The lead time is company guidance, not a universal or independently verified service commitment. [49](https://www.insureon.com/blog/commercial-insurance-renewal-checklist "Be prepared with a commercial insurance renewal checklist") (Evidence: Company-reported; scope: Insureon's general commercial-renewal guidance, updated March 5, 2026; not a service-level commitment, guarantee of renewal, or promise of timing, pricing, or coverage for a particular customer.; verified: 2026-09-28.) |

## Related Reading

- [What Is Chubb?](https://spot.insure/insurance-providers/chubb)
- [What is Insureon?](https://spot.insure/insurance-providers/insureon)

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## Sources

### [Chubb Official Website](https://www.chubb.com/us-en/)

1. [Insurance For Individuals & Businesses](https://www.chubb.com/us-en/). Chubb; Businesses; Get a quote; claims statistics; insurance products and client services. 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. [Commercial Insurance](https://www.chubb.com/us-en/business-insurance.html). Chubb; Industry practices; small businesses, middle market, large and multinational segments; claims paid and satisfaction figures. Accessed 2026-09-16.
4. [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.
5. [Insurance For Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-16.
6. [Technology Services And Consulting Insurance Solutions](https://www.chubb.com/us-en/business-insurance/technology-services-consulting.html). Chubb; Property & casualty and financial-lines coverage solutions lists. Accessed 2026-09-16.
7. [Business Owner’s Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue and 500+ classes including technology; Chubb BOP Coverage Highlights: property and liability package; Total Account Solution: umbrella, workers’ compensation, commercial auto, ForeFront and Cyber ERM/DigiTech ERM. Accessed 2026-09-16.
8. [Workers' Compensation Insurance For Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html). Chubb; Small-business workers’ compensation for one employee through $30M revenue; claims-service descriptions; supporting products. Accessed 2026-09-16.
9. [Cyber Insurance For Businesses](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html). Chubb; Agent quoting via Chubb Marketplace and Cyber Central; policyholder incident-response hotline and Cyber Alert app. Accessed 2026-09-16.
10. [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.
11. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; ForeFront Portfolio introduction; available coverages for private, not-for-profit and healthcare organizations: D&O, EPL, fiduciary, employed lawyers, crime, kidnap/ransom and workplace violence expense. Accessed 2026-09-16.
12. [ForeFront Portfolio 3.0 For Private Companies](https://www.chubb.com/us-en/business-insurance/forefront-3-0-private-company.html). Chubb; Coverage highlights for private companies; contact-an-agent quote prompt; New Jersey application note. Accessed 2026-09-16.
13. [ForeFront Portfolio 3.0: Directors & Officers And Entity Liability Insurance](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html). Chubb; Opening description: D&O and Entity Liability for smaller privately held companies; listed coverage features. Accessed 2026-09-16.
14. [Management Liability Insurance](https://www.chubb.com/us-en/business-insurance/management-liability.html). Chubb; Public, private/not-for-profit and financial-institution management liability products; fiduciary, crime, kidnap/ransom, workplace violence and employment practices. Accessed 2026-09-16.
15. [Commercial Property Insurance](https://www.chubb.com/us-en/business-insurance/property-product.html). Chubb; Monoline, multi-line and large/complex property offerings; technology listed among served industries; Risk Consulting. Accessed 2026-09-16.
16. [Umbrella & Excess Casualty Insurance](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html). Chubb; Umbrella and excess for smaller through multinational accounts; Express Umbrella portal for appointed brokers. Accessed 2026-09-16.
17. [Commercial Auto Insurance](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html). Chubb; Commercial auto product; technology among served industries. Accessed 2026-09-16.
18. [Customarq Package Insurance Policy](https://www.chubb.com/us-en/business-insurance/customarq-package-policy.html). Chubb; Midsize package combining property and liability; supporting excess, cyber, cargo, workers’ compensation and commercial auto. Accessed 2026-09-16.
19. [Lower Midmarket Insurance Solutions](https://www.chubb.com/us-en/agents-brokers/campaigns/lower-middle-market-business-insurance.html). Chubb; Agent-facing lower-midmarket suite including Benchmarq package, financial lines, cyber on Marketplace, surety; technology among appetite SIC codes; quoting through issuance, servicing and renewals. Accessed 2026-09-16.
20. [Environmental Insurance Coverage & Services](https://www.chubb.com/us-en/business-insurance/environmental.html). Chubb; Premises and contractor pollution, TankSafe, GL Plus combining CGL with products and premises pollution and supported umbrella. Accessed 2026-09-16.
21. [Inland Marine Insurance](https://www.chubb.com/us-en/business-insurance/inland-marine.html). Chubb; Inland marine policy overview; builders’ risk, contractors equipment and related tools. Accessed 2026-09-16.
22. [Builders' Risk Insurance](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html). Chubb; Builders’ risk coverage list and target clients; agent submission requirements. Accessed 2026-09-16.
23. [Equipment Breakdown Insurance](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html). Chubb; Monoline and package equipment-breakdown coverage; electronics among target clients. Accessed 2026-09-16.
24. [Worldwide Ocean Cargo Insurance](https://www.chubb.com/us-en/business-insurance/worldwide-ocean-cargo-insurance.html). Chubb; Ocean, air and overland cargo coverages; agent submission path. Accessed 2026-09-16.
25. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction, commercial, transactional and international surety; footer identifying Chubb as marketing name and ACE American as an issuing company; products may not be available in all states. Accessed 2026-09-16.
26. [Chubb Recall Plus For Consumer Goods](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html). Chubb; Recall Plus for Consumer Goods introduction; limits; Client Profile, including electronics among target finished products; Restricted Classes. Accessed 2026-09-16.
27. [Multinational Insurance Coverage And Solutions For Large Accounts](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html). Chubb; Core and specialty coverages, including Specialty Coverage: Representations & Warranties, inland marine, professional liability and ESIS; large US and Canadian multinational companies; Worldview servicing platform; work with clients and brokers. Accessed 2026-09-16.
28. [Excess And Surplus Insurance (E&S Insurance)](https://www.chubb.com/us-en/business-insurance/excess-surplus.html). Chubb; Westchester E&S portfolio; Westchester Fire admitted description; Westchester Surplus Lines eligible in 49 states; paper including Illinois Union and ACE companies. Accessed 2026-09-16.
29. [Get Access To Chubb](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html). Chubb; Direct appointments for independent agents and brokers; competitive commissions; 200+ products. Accessed 2026-09-16.
30. [Contact Chubb](https://www.chubb.com/us-en/contact.html). Chubb; Agent as first contact; claims numbers including cyber; Small Business policy service and Marketplace technical support; Federal Insurance Company and ACE American claims contacts. Accessed 2026-09-16.
31. [Chubb Insurance In The U.S.](https://www.chubb.com/us-en/contact-us.html) Chubb; Personal Lines find-an-agent; Small Business quote inquiries directed to chubbsmallbusiness.com; commercial agent callback 1-800-682-4822. Accessed 2026-09-16.
32. [Chubb Claims](https://www.chubb.com/us-en/claims.html). Chubb; 24/7 claims contact center; client-satisfaction figure for clients with a paid claim; North America claims staffing figure. Accessed 2026-09-16.
33. [Report A Claim](https://www.chubb.com/us-en/claims/report-claim.html). Chubb; Phone and email first-notice contacts including small commercial, cyber, financial lines and workers’ compensation. Accessed 2026-09-16.
34. [Online & Mobile Claims Tools](https://www.chubb.com/us-en/claims/online-mobile-tools.html). Chubb; Small Commercial Business client portal claim reporting and document upload; access may be limited for policies underwritten by certain Chubb companies. Accessed 2026-09-16.
35. [About Chubb In The U.S.](https://www.chubb.com/us-en/about-chubb-in-the-us.html) Chubb; U.S. executive leadership and 44 branch locations. Accessed 2026-09-16.
36. [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf). Chubb; Federal Insurance Company (Indiana NAIC 20281) admitted P&C in all 50 states; ACE American (Pennsylvania NAIC 22667) admitted P&C in all 50 states; Westchester Surplus Lines Insurance Company eligible/approved surplus lines outside Georgia domicile. Accessed 2026-09-16.
37. [Chubb Insurance Solutions Agency License Information](https://prs-portalassets.chubb.com/chubbaccess/Agency%20License%20Information%20link.pdf). Chubb; Statement that Chubb Insurance Solutions Agency is licensed in all 50 states; resident NJ license 2853751; California license 969601. Accessed 2026-09-16.
38. [Chubb New York Region Appointment Materials](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/campaign/pdfs/55010055_NewYork-2022-24-05.pdf). Chubb; Chubb Access appointments administered by Chubb Insurance Solutions Agency, Inc.; surplus lines sold only through licensed surplus lines producers; products may not be available in all states. Accessed 2026-09-16.
39. [Chubb Limited Form 10-K For The Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm). U.S. Securities and Exchange Commission / Chubb Limited; Item 1 Business: Swiss-incorporated holding company headquartered in Zurich; global insurance and reinsurance organization; operations in 54 countries and territories; commercial P&C including D&O and specialty casualty. Accessed 2026-09-16.
40. [Chubb Limited Exhibit 21.1 Subsidiaries](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-12312025xex211.htm). U.S. Securities and Exchange Commission / Chubb Limited; ACE American Insurance Company; Federal Insurance Company group companies; Chubb Excess and Surplus Insurance Services Inc. (California); Chubb INA Holdings LLC. Accessed 2026-09-16.
41. [California Company Profile: Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile). California Department of Insurance; NAIC 20281; California Company ID 0059-6; date authorized 12/18/1902; license status Unlimited-Normal; company type Property & Casualty; domicile Indiana; NAIC Group 0626 Chubb Ltd Grp. Accessed 2026-09-16.
42. [California Company Profile: ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile). California Department of Insurance; NAIC 22667; California Company ID 1325-0; date authorized 12/20/1945; license status Unlimited-Normal; company type Property & Casualty; domicile Pennsylvania; NAIC Group 0626 Chubb Ltd Grp. Accessed 2026-09-16.
43. [California NAIC Group List: Chubb Ltd Grp 0626](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getGroupList&event=companyProfile&naicGroupNumber=0626). California Department of Insurance; Group roster including Federal Insurance Company, ACE American Insurance Company, Chubb National Insurance Company, Westchester Fire Insurance Company and other Chubb-group companies with California IDs. Accessed 2026-09-16.

### [Insureon Official Website](https://www.insureon.com/)

44. [Terms and Conditions](https://www.insureon.com/legal/terms-of-use). Insureon; Opening legal identity paragraph (L51); footer identity/office disclosure (L95-98). Accessed 2026-09-28.
45. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; Page description says Insureon is licensed in 50 states and Washington, D.C.; published state list L50-L103; footer legal entity/DBA L145-L148. Accessed 2026-09-28.
46. [How Insureon Works](https://www.insureon.com/about-us/how-insureon-works). Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
47. [Commercial Insurance for Small & Midsize Companies](https://www.insureon.com/small-business-insurance/commercial-insurance). Insureon; Application and general route (L82-86); small-business and midsize-business marketing segments and routes (L87-96). Accessed 2026-09-28.
48. [Contact Us and Get Insured Today](https://www.insureon.com/contact-us). Insureon; Phone hours (L54-58); application, appointment and email routes (L62-78). Accessed 2026-09-28.
49. [Be prepared with a commercial insurance renewal checklist](https://www.insureon.com/blog/commercial-insurance-renewal-checklist). Insureon; Updated March 5, 2026 (L84); account manager (L94-95); lead time and insurer decision (L116-127). Accessed 2026-09-28.
50. [About Insureon](https://www.insureon.com/about-us). Insureon; Who is Insureon (L58-67); online service claims (L75-82); TechInsurance/Insureon naming and history (L96-114); 2022 transaction description (L107). Accessed 2026-09-28.
51. [Careers at Insureon](https://www.insureon.com/about-us/careers). Insureon; SPG and HUB logos and divisional statement (L56-65); legal footer (L110-112). Accessed 2026-09-28.
52. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.hubinternational.com/en-us/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/). Hub International; Published March 1, 2022; agreement and pending separate closings/asset allocation (L12-20); SPG operational plan (L29-30). Accessed 2026-09-28.
53. [General Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/general-liability). Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
54. [Workers’ Comp Insurance: Buy Online & Get Free Quotes](https://www.insureon.com/small-business-insurance/workers-compensation). Insureon; Product overview L67-L85; coverage examples L95-L121; quote/application path L343-L365. Accessed 2026-09-29.
55. [Professional Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/professional-liability). Insureon; Product definition L67-L89; quote CTA and target users on page. Accessed 2026-09-29.
56. [Business Owner’s Policy, BOP Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/business-owners-policy). Insureon; Product definition L67-L89; qualification examples L90-L105; product liability within BOP liability protection L123-L126; optional coverage FAQ lists endorsements/bundled policies L304-L321; quote route on page. Accessed 2026-09-29.
57. [Cyber Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/cyber-liability). Insureon; Product definition L67-L89; coverage distinctions L90-L102; quote CTA. Accessed 2026-09-29.
58. [Commercial Property Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/commercial-property). Insureon; Product definition L67-L89; covered property examples; quote CTA. Accessed 2026-09-29.
59. [Commercial Auto Insurance - Get Fast & Free Quotes](https://www.insureon.com/small-business-insurance/commercial-auto). Insureon; Product overview L67-L93; target vehicles and businesses; quote route. Accessed 2026-09-29.
60. [Commercial Umbrella Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/umbrella-liability). Insureon; Product definition and underlying policies L67-L90; quote CTA. Accessed 2026-09-29.
61. [Tools & Equipment Insurance for Contractors - Get Online Quotes](https://www.insureon.com/small-business-insurance/contractors-tools-equipment). Insureon; Product definition and inland-marine label L67-L85; audience L150-L188; quote route and exclusions L244-L278. Accessed 2026-09-29.
62. [Small Business Bonds and Insurance: What You Need to Know](https://www.insureon.com/small-business-insurance/business-bonds). Insureon; Fidelity bond definition/examples L86-L97; quote CTA; bonds/insurance distinction L65-L67. Accessed 2026-09-29.
63. [Compensation Disclosure Notice](https://www.insureon.com/legal/compensation-disclosure). Insureon; Sections describing commission, contingency income, supplemental commissions, client fees, technology service fees, carrier data services, and other compensation. Accessed 2026-09-28.
64. [How to File a Business Insurance Claim](https://www.insureon.com/claims). Insureon; Sections 'Contact your insurance agent or carrier' and 'What if I bought a policy from Insureon?'; insurer reporting and agent assistance. Accessed 2026-09-28.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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