Chubb vs TechInsurance: How Do They Compare for Commercial Property Insurance?

A $108 monthly median is reported by TechInsurance for property policyholders; Chubb directly underwrites property across company sizes.

TechInsurance reports a $108 monthly median and lets you choose actual cash value or replacement cost; Chubb publishes no price and offers property programs from a BOP up to $30 million in revenue to large accounts. ^1,⁴

What Are the Key Differences Between Chubb and TechInsurance Commercial Property Insurance?

TechInsurance says the $108 monthly median varies with location, limits, deductible, security, equipment value and building details. Its valuation choice also changes a claim payout: actual cash value accounts for depreciation, while replacement cost pays to replace items new. Chubb publishes no price; its BOP is available up to $30 million in revenue, with larger program options beyond that. ⁴ ¹

Pricing Transparency

Chubb's property page does not publish premium figures for any of its program tiers. ¹ TechInsurance instead discloses a company-reported figure for its own book of business:

TechInsurance says its commercial property policyholders pay a median of $108 per month, or about $1,301 a year, with the exact premium depending on location, coverage limits and deductible, security systems, equipment value, and building size, construction and age. ⁴Company-reported. Commercial property product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Valuation Choice

Chubb's page describes full-limit package or monoline, primary, quota-share and excess all-risk coverage without detailing valuation method. ¹ TechInsurance says its policy can be written as actual cash value, which pays a depreciated amount and costs less, or replacement cost, which pays to replace items new and costs more. ⁴

What Should You Confirm in Chubb and TechInsurance Commercial Property Insurance Quotes?

Ask which entity issues the policy: Chubb underwrites its own program, while TechInsurance's page does not name the issuing insurer. ¹ ⁴
Ask TechInsurance whether your quote reflects its median premium or a higher figure based on your location, coverage limits and building details. ⁴
Ask both whether the policy excludes goods in transit or equipment breakdown, since TechInsurance says these need inland marine coverage or an endorsement. ⁴
Request published limits and deductibles from Chubb; its page does not disclose them. ¹

Chubb vs TechInsurance Commercial Property Insurance Compared

Chubb vs TechInsurance: Commercial Property Insurance: documented features by provider

Criteria	Chubb Commercial Property Insurance	TechInsurance Commercial Property Insurance
How to Apply	You can request a property insurance quote online through Chubb's site, or through an appointed independent agent or broker. ¹Company-reported. Commercial Property product page quote call-to-action.	You request commercial property quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. ⁴Company-reported. Commercial property product page.
Coverage Features	Chubb says it can provide full-limit package or monoline, primary, quota share and excess all-risk property insurance, scaling from a single business to large U.S.-based multinational organizations. ¹Company-reported. Commercial Property product page coverage description.	TechInsurance says commercial property insurance covers theft of equipment, damage to company-owned buildings, weather-related and accidental damage, and vandalism, and can be written as actual cash value (cheaper, pays depreciated value) or replacement cost (more expensive, pays to replace with new equivalent items). ⁴Company-reported. Commercial property product page; general policy description, not a specific policy form. TechInsurance says commercial property insurance generally excludes extreme weather events like earthquakes, hurricanes and floods, goods in transit or at other worksites (which need inland marine insurance instead), and equipment breakdown from mechanical or electrical failure (which needs an endorsement). ⁴Company-reported. Commercial property product page, What isn't covered section.
Role in This Line	Chubb underwrites commercial property insurance directly, sold as monoline property, multi-line property combined with other coverages such as liability, or as part of large and complex property programs. ¹Company-reported. Commercial Property product page; describes Chubb's own property offerings.	TechInsurance arranges commercial property insurance, also called business hazard insurance, for businesses that own or rent commercial space, or that keep valuable equipment at a home office. ⁴Company-reported. Commercial property product page.

Criteria

Chubb Commercial Property Insurance

TechInsurance Commercial Property Insurance

How to Apply

You can request a property insurance quote online through Chubb's site, or through an appointed independent agent or broker. ¹Company-reported. Commercial Property product page quote call-to-action.

You request commercial property quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. ⁴Company-reported. Commercial property product page.

Coverage Features

Chubb says it can provide full-limit package or monoline, primary, quota share and excess all-risk property insurance, scaling from a single business to large U.S.-based multinational organizations. ¹Company-reported. Commercial Property product page coverage description.

TechInsurance says commercial property insurance covers theft of equipment, damage to company-owned buildings, weather-related and accidental damage, and vandalism, and can be written as actual cash value (cheaper, pays depreciated value) or replacement cost (more expensive, pays to replace with new equivalent items). ⁴Company-reported. Commercial property product page; general policy description, not a specific policy form.

TechInsurance says commercial property insurance generally excludes extreme weather events like earthquakes, hurricanes and floods, goods in transit or at other worksites (which need inland marine insurance instead), and equipment breakdown from mechanical or electrical failure (which needs an endorsement). ⁴Company-reported. Commercial property product page, What isn't covered section.

Role in This Line

Chubb underwrites commercial property insurance directly, sold as monoline property, multi-line property combined with other coverages such as liability, or as part of large and complex property programs. ¹Company-reported. Commercial Property product page; describes Chubb's own property offerings.

TechInsurance arranges commercial property insurance, also called business hazard insurance, for businesses that own or rent commercial space, or that keep valuable equipment at a home office. ⁴Company-reported. Commercial property product page.