What Is Chubb?
Chubb fits technology firms seeking DigiTech ERM or small businesses with up to $30 million in revenue seeking a BOP; buyers wanting an instant direct purchase should compare online carriers. Agents can quote eligible small accounts, with a faster cyber route. 1,2,3
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 5,6,7
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 9,10
Key Differences in Cyber Insurance
Chubb Names More Insuring Agreements and Endorsements
Chubb lists incident-response funding, business interruption, digital-data recovery and network extortion, with cybercrime protections available by endorsement. It also describes separate Widespread Event and Ransomware Encounter endorsements and a 45-day software-patching grace period. Nationwide’s overview identifies cyber and data-breach expenses but does not enumerate comparable agreements or endorsements. Buyers can use Chubb’s detail to frame questions, then request Nationwide’s form and endorsements to compare the same loss scenarios. 3 8
Chubb Describes Several Response and Prevention Resources
Chubb says policyholders can access a pre-approved incident-response panel, a 24/7 hotline and app, threat intelligence and vulnerability outreach. Nationwide’s reviewed overview directs buyers to an agent or quote request and does not describe a parallel service set. If risk support is part of your decision, ask Nationwide’s agent which services accompany the policy and whether Chubb’s resources carry fees or conditions. 4 8
Chubb Publishes Distinct Routes for Different Account Sizes
Chubb describes Cyber Central or Marketplace quotes for risks under $100 million in revenue and a customizable risk-management solution for organizations over $1 billion. Nationwide’s overview offers an agent or quote request without publishing revenue bands. A mid-market or very large buyer should ask both providers to identify the applicable product and submission route before comparing scope. 3 8
What to Confirm in Cyber Insurance Quotes
- Ask Chubb which cybercrime endorsements and event-specific limits are available; ask Nationwide to provide the insuring agreements and optional endorsements addressing the same scenarios. 3 8
- Confirm issuing entity, service access and cost, revenue eligibility, limits, retentions and software-patching conditions in each proposal. 4 8
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Chubb
Review Score
5 rated sources
Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.[1][4][7][8][9]
Read Chubb reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
Chubb vs Nationwide: Cyber Insurance: documented features by provider
| Criteria | Chubb Cyber Insurance (Cyber Enterprise Risk Management) | Nationwide cyber (official overview) |
|---|---|---|
| Role in This Line | Chubb underwrites Cyber Enterprise Risk Management (Cyber ERM) directly. It covers cyber, privacy and media exposures for organizations of any size that handle sensitive data or run a network or website. 3Company-reported. Cyber Insurance Coverage & Products page, Cyber Enterprise Risk Management section. | Nationwide describes offering cyber for the audience stated on the cited product page. 8Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | The reviewed pages describe Chubb as the carrier but do not name the specific Chubb-group underwriting entity for cyber policies; the issued policy would name the entity. 4,3Not found in reviewed sources. Both cyber pages as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | Chubb says there are no minimum premiums and premiums scale for all risk sizes, offers Cyber Central and Marketplace quoting for risks under $100 million in revenue, and a customizable large-account cyber risk management solution for organizations over $1 billion in revenue. 3Company-reported. Cyber Insurance Coverage & Products page eligibility and quoting description. | Businesses addressing cyber and data-breach risks; specific eligibility and coverage depend on quote and policy. 8Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | Chubb lists first-party cyber incident response fund, business interruption (with contingent business interruption for outsourced technology providers), digital data recovery, and network extortion; third-party cyber/privacy/network security liability, payment card loss, regulatory proceedings and media liability; and cyber crime coverages (computer fraud, funds transfer fraud, social engineering fraud) available by endorsement. 3Company-reported. Cyber insurance coverage list on the products page; subject to exclusions and the policy as issued. Chubb offers a Widespread Event Endorsement with separate limits and retentions for systemic cyber events, a Ransomware Encounter Endorsement that lets buyers tailor limits and retentions for ransomware losses, and a Neglected Software Exploit Endorsement that gives a 45-day grace period to patch published vulnerabilities before risk-sharing shifts toward the policyholder. 3Company-reported. Innovative coverage concepts section; endorsement availability depends on underwriting. | The cited product page describes cyber liability and data-breach insurance addressing expenses associated with a cyberattack or data breach. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | The reviewed pages do not publish specific per-policy limit or retention amounts; Chubb says it can build large insurance tower programs with substantial primary limits for organizations over $1 billion in revenue but gives no figures. 3Not found in reviewed sources. Cyber Insurance Coverage & Products page as read on 2026-09-23. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | Chubb says cyber policyholders get access to a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app, a Cyber Threat Intelligence Team, a Vulnerability Management Outreach program, and the Chubb Cyber Index for trend and cost data. 4Company-reported. Cyber Insurance for Businesses page, Cyber Services and Beyond Risk Transfer sections. | Confirm in your quote. |
| How to Apply | Agents and brokers can quote cyber alone through Cyber Central or bundled with other lines through Chubb Marketplace; multinational programs can be serviced locally in more than 35 countries. 3Company-reported. Cyber Insurance Coverage & Products page quoting section. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 8Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Claims Support | Chubb reports 24/7 incident response availability by hotline or its Cyber Alert app, and publishes an annual Cyber Claims Landscape report analyzing claim frequency, severity and ransomware trends. 4Company-reported. Cyber Insurance for Businesses page; claims scenarios and report are company-reported. | Confirm in your quote. |
Full Comparison
More Chubb vs Nationwide Comparisons
Other Cyber Insurance Comparisons
Sources
Chubb
- Insurance For Technology Companies. 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.
- Terms Of Use. 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.
- Cyber Insurance Coverage & Products. Chubb; Cyber Enterprise Risk Management target clients and product features; Cyber insurance coverage first-party and third-party lists; Cyber crime by endorsement; quoting via Cyber Central and Marketplace. Accessed 2026-09-23.
- Cyber Insurance for Businesses. Chubb; Cyber Services section; Incident response section; 24/7 hotline and Cyber Alert app; "95% of Fortune 1000 companies are Chubb insured". Accessed 2026-09-23.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Cyber Liability & Data Breach Insurance. Nationwide; Cyber liability page; cyberattack/data-breach coverage overview and response resources. Accessed 2026-09-30.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
