Does K&R Cover Family Members?

Chubb’s U.S. product summary says its described policy includes employees’ direct family members in a broad insured-person definition. That is a product-specific statement, not a rule for all K&R policies. Forms can differ on spouses, dependents, household members, relatives living elsewhere, and people traveling with an employee.

Read the insured-person definition and any age, relationship, residence, or travel conditions. Confirm that the declaration or schedule does not narrow the group and ask how family members are notified of response services. If an executive’s family is a concern, have the broker confirm the exact policy wording rather than relying on marketing shorthand such as “family coverage.”