Chubb vs 
Zurich U.S.: How Do They Compare for Umbrella and Excess Liability Insurance?
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
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
Read the Zurich U.S. Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 9,10,11,12,13
Key Differences in Umbrella and Excess Liability Insurance
Excess Program Fit
Chubb describes separate umbrella and excess options for large global and national companies, mid-sized firms, energy, and construction, tailored to those segments. Zurich’s facility page accessed 2026-09-28 describes a shared claims-made excess casualty facility with capacity up to $100 million and possible customized wording. These are distinct routes and limits; ask Chubb whether its segment program can meet your claims-made requirement and Zurich whether your industry fits the facility. 4 8
Attachment and Limit Detail
Chubb’s umbrella and excess page, accessed 2026-09-23, does not publish specific attachment points or limit amounts; it says these vary by account and program. Zurich’s separate facility specifies a claims-made trigger and advertises capacity up to $100 million as of its 2026-09-28 page. Do not treat that shared facility figure as Chubb Commercial Umbrella capacity; request the attachment and limit for the exact product quoted. 4 8
What to Confirm in Umbrella and Excess Liability Insurance Quotes
Chubb and Zurich U.S. Review Scores for 2026
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
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 reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsChubb vs Zurich U.S. Umbrella and Excess Liability Insurance Compared
Chubb vs Zurich U.S.: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Chubb Umbrella & Excess Casualty Insurance | Zurich Commercial Umbrella and Excess Liability |
|---|---|---|
| Role in This Line | Chubb underwrites umbrella and excess liability insurance directly, spanning smaller and mid-sized companies through global multinationals, and offers it as an add-on within its small-business Total Account Solution. 4,5Company-reported. Umbrella & Excess Casualty product page and workers'-compensation Total Account Solution section. | Confirm in your quote. |
| Who It’s For | Chubb structures umbrella and excess casualty into separate options for large global and national companies, mid-sized companies, the energy industry, and the construction industry, saying it tailors solutions to each segment's exposures. 4Company-reported. Umbrella & Excess Casualty Insurance Options section. | Confirm in your quote. |
| Coverage Features | For large global and national companies, Chubb specializes in lead umbrella and excess liability; for mid-sized companies it offers what it calls competitive excess casualty alternatives with claims handling and timely service. 4Company-reported. Umbrella & Excess Casualty product page option descriptions. | Zurich Commercial Umbrella combines Coverage A follow-form excess liability and Coverage B lead umbrella liability. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich’s Excess Claims Made Facility offers up to $100 million in claims-made excess casualty coverage and may consider customized wording; it is a joint Zurich, Chubb and National Indemnity facility. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Facility capacity and terms are shared among Zurich, Chubb and Berkshire Hathaway National Indemnity; do not attribute the whole facility solely to Zurich. |
| Limits and Retentions | The reviewed umbrella and excess casualty page does not publish specific attachment points, limit amounts or pricing; these vary by account and program. 4Not found in reviewed sources. Umbrella & Excess Casualty product page as read on 2026-09-23. When bundled through Chubb's small-business Total Account Solution, umbrella insurance is described only as providing "an additional layer of coverage over existing liability policies," without a published limit amount. 5Company-reported. Workers'-compensation Total Account Solution section. | Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| How to Apply | Chubb offers Express Umbrella, a web-based platform for appointed brokers to reserve, quote, bind and issue umbrella business, which Chubb says can help brokers build specialized books of business. 4Company-reported. Express Umbrella Online Platform section; available to appointed brokers, not directly to buyers. You can request a quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. 4Company-reported. Umbrella & Excess Casualty product page quote call-to-action. | Confirm in your quote. |
Related Pages for Chubb vs Zurich U.S. Umbrella and Excess Liability
Umbrella and Excess Liability Pages for Chubb and Zurich U.S.
Other Coverage Lines Compared for Chubb vs Zurich U.S.
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for Chubb vs Zurich U.S.
Sources About 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 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.
- Umbrella & Excess Casualty Insurance. Chubb; Umbrella & Excess Casualty Insurance Options: Large Global and National Companies, Mid-Sized Companies, Energy Industry, Construction Industry; Express Umbrella Online Platform. Accessed 2026-09-23.
- Workers' Compensation Insurance for Small Business. Chubb; Total Account Solution: umbrella insurance providing an additional layer of coverage over existing liability policies. Accessed 2026-09-23.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Umbrella Insurance Coverage | Zurich Insurance. Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
Sources for the Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
