Chubb vs Relm Insurance

Chubb is the marketing name for subsidiaries of Chubb Limited, a Swiss holding company, that provide insurance and related services. U.S. commercial policies are issued by U.S.-based Chubb underwriting companies, not by Chubb Limited itself. ^39,2,25

Commercial buyers typically reach Chubb through independent agents and brokers. Chubb appoints producers, operates agent portals, and identifies Chubb Insurance Solutions Agency, Inc. as the licensed agency that administers Chubb Access appointments. Surplus-lines products can be offered only through licensed surplus-lines producers. ^29,30,2,38

Relm Insurance is a specialty insurance business serving emerging industries, including artificial intelligence. Its Bermuda insurer and US distribution operation have distinct roles. ^44,46,45

Relm identifies Relm Insurance Ltd. as its Bermuda-regulated insurer and Relm US Insurance Solutions Inc. as a US licensed producer. It describes its US operation as a managing general agent (MGA), an intermediary with delegated insurance authority. The Bermuda entity says it deals only through appropriately licensed brokers. ^45,46

Appointed agents and brokers can quote, and for eligible risks issue, small-business and cyber accounts through Chubb Marketplace, and can use Cyber Central for an express cyber quoting path. Marketplace cyber quoting is described for eligible risks with less than $100 million in revenue; referred risks go to underwriters. Businesses seeking coverage are directed to an agent, a U.S. contact form, or chubbsmallbusiness.com for small-business quote inquiries. The reviewed public pages do not describe a general-public online bind for middle-market technology programs. ^{9,10,30,31,12}

Relm provides an inquiry form requesting contact details, company name and location. Its US launch describes access through distribution partners, and the website states that Relm Insurance Ltd. deals through licensed brokers. The reviewed pages do not establish instant quoting or online binding. ^54,46

Chubb’s U.S. site states that products and services vary by jurisdiction and are not available or suitable for all users. Company license materials describe Federal Insurance Company and ACE American Insurance Company as admitted property-and-casualty insurers in all 50 states. That company-wide licensing statement is not a product-by-product availability matrix. ^2,25,36

California’s regulator lists Federal Insurance Company (NAIC 20281) and ACE American Insurance Company (NAIC 22667) as admitted property-and-casualty insurers in the Chubb Ltd group. The reviewed product pages do not publish a California-specific eligibility list for technology, DigiTech ERM or small-business BOP. Surplus-lines placements, if used, must go through a licensed surplus-lines producer. U.S. branch offices are not evidence that a product is available in California. ^{41,42,43,2,35}

Relm’s legal page lists California insurance producer license 6013054 for Relm US Insurance Solutions Inc. This is company-reported and was not independently verified in a regulator record; that row does not list a California surplus-lines license. ⁴⁵

The reviewed AI product, US MGA and legal pages do not establish the issuing insurer, admitted or surplus-lines status, or placing broker for a California NOVAAI, PONTAAI or RESCAAI policy. California product availability remains to be confirmed for the applicant. ^45,46,49

The issuing insurer is a Chubb-group underwriting company named on the policy. Reviewed sources identify Federal Insurance Company as a primary U.S. underwriting company, ACE American Insurance Company as a U.S. issuing company on surety materials, and Westchester Fire Insurance Company or Westchester Surplus Lines Insurance Company (and, for some Westchester business, Illinois Union or other ACE paper) depending on the placement. Buyers should read the declarations rather than assume a single “Chubb” legal insurer. ^{30,25,28,36,41}

Relm’s fronting announcement names Trisura Specialty Insurance Company in connection with US digital-asset risks, including D&O, cyber, technology E&O and crime. A fronting insurer issues the policy while another insurer supplies risk capacity. This announcement does not establish Trisura as the issuer of every Relm product or of a California AI policy. ⁵³

Chubb tells buyers to use their agent or broker as the first service contact and publishes Small Business policy-service, billing and client-center support for policies purchased through Chubb Small Business or named affinity partners. Lower-midmarket materials describe a path from quoting and issuance through servicing and renewals. Large multinational accounts are offered Worldview for program documents, certificates and claims status. Technology marketing also describes dedicated underwriting, claims and risk-engineering teams, including nearly 500 in-house risk engineers in related consulting copy. ^{30,19,27,4,18}

The reviewed contact and terms pages provide general-inquiry and complaint channels but do not explain a customer self-service portal, certificate turnaround, endorsement process or renewal timetable. Ask which tasks your broker, the MGA and the issuing insurer will handle. ^54,56