Chubb vs StartupInsurance.ai Builders Risk Insurance

Chubb underwrites builders' risk insurance directly for commercial and residential contractors and for engineering construction such as bridges and tunnels. ⁴Company-reported. Builders' Risk Insurance product page.

StartupInsurance.ai does not underwrite builders risk coverage itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. ^8,9,7Company-reported. ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not builders-risk-specific placement terms.

Not described in the reviewed sources.

The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, underwrites a given company's builders risk policy. ⁷Not publicly disclosed. Carrier panel is program-wide rather than broken out by line; the insurer for a builders risk placement is not disclosed on the pages reviewed and varies by placement.

Chubb targets contractors, developers, owners or homebuilders with an active construction program and a strong property-preservation management approach. ⁴Company-reported. Target clients section.

The section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning builders risk as a line it places regularly for hardware-adjacent startups with a construction or build-out project, rather than as a rare add-on. ⁷Company-reported. Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria.

Chubb offers Individual Project Builders Risk and Master Programs, difference-in-conditions coverage for selected construction projects, both physical-damage and delay-in-opening coverage, International Builders Risk for U.S. domestic clients, a portfolio of green endorsements, and contract-penalty coverage tied to a covered physical-damage loss. ⁴Company-reported. Coverage list; subject to the policy as issued.

StartupInsurance.ai lists Builders Risk among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. ⁷Company-reported. Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe project types, coverage period, or specific policy terms.

Chubb says it offers capacity in a variety of positions, including primary, full limit, quota share, buffer and excess layer, but the reviewed page does not publish specific dollar limits. ⁴Not found in reviewed sources. Coverage list and Benefits section.

The reviewed pages do not publish sample builders risk project-value limits, covered perils, or policy-period terms. ^7,6Not found in reviewed sources. Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote.

Chubb offers loss-control and risk-consulting services on both a bundled and unbundled basis, with underwriters averaging more than 20 years of builders-risk experience. ⁴Company-reported. Coverage list Benefits section.

Not described in the reviewed sources.

Chubb says submissions should include a project description, statement of values, locations, limits and coverage requirements, plus a breakdown of soft costs, pro forma and period of indemnity if delay-in-opening coverage is requested. ⁴Company-reported. Submission requirements section.

The physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating builders risk is discussed with a specialist rather than quoted through a self-serve form. ⁷Company-reported. Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers.

The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Builders Risk is not one of them, so it is not part of that self-serve intake flow. ⁶Not found in reviewed sources. Initial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line.