---
title: "How Reliable Is Chubb?"
description: "Chubb reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score."
canonical: "https://spot.insure/insurance-providers/chubb/reliability"
page-type: "reliability-article"
updated-at: "2026-09-22"
verified-at: "2026-09-22"
entities: ["Spot"]
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, and compare_providers for sourced comparisons. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance-providers/chubb/reliability)

# How Reliable Is Chubb?

Chubb reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.

## Assessment

- **Role:** Insurance carrier

- **Scope:** Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.

This partial Carrier & MGA Spot Score covers identity and authority, disclosure clarity within the stated scope. It uses 25% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.

- **Carrier & MGA Spot Score:** **7.0/10**
- **Role:** Insurance carrier
- **Scope:** Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **25%** of this role’s weighting included. Included: Identity and Authority, Disclosure Clarity. Excluded: Financial Resilience: The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.; Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

- **Methodology:** [How we calculate the Spot Score](/spot-rating)

- **Provider profile:** [Chubb](/insurance-providers/chubb)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| Chubb Limited | Swiss holding company and group parent | [Chubb Limited Form 10-K for the Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Limited Exhibit 21.1 Subsidiaries](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-12312025xex211.htm) |
| Federal Insurance Company | Named U.S. admitted P&C insurer, NAIC 20281 | [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf) |
| ACE American Insurance Company | Named U.S. admitted P&C insurer, NAIC 22667; product and jurisdiction determine use | [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf) |
| Westchester Fire Insurance Company | Named admitted P&C insurer, NAIC 10030 | [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf) |
| Westchester Surplus Lines Insurance Company | Named eligible/approved surplus-lines insurer, NAIC 10172 | [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf) |
| Westchester Fire Insurance Company (New York record) | Separate California DOI record, NAIC 21121, marked MERGED and excluded from active scope | [Company Profile - Westchester Fire Insurance Company (New York record)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2756&event=companyProfile) |

## Research summary

Chubb's US commercial insurance is written by a group of subsidiaries rather than one issuing entity. State company records independently confirm Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company as currently authorised, alongside the California profiles already held. The 2025 Form 10-K reports combined property-and-casualty statutory capital and surplus of $55.554 billion against $48.253 billion a year earlier, gross reinsurance recoverable of $20.658 billion with a 1.5% uncollectible allowance and five named largest reinsurers, and a legal-proceedings note identifying no individual material regulatory action. For one named programme, the Brandywine asbestos and environmental run-off, the supporting reinsurance is disclosed in full: an $800 million XOL Agreement with $24 million of statutory limit remaining at 31 December 2025, against Century Indemnity Company's $25 million statutory surplus and $1.5 billion of gross reserves. The exact insurer and the capacity behind any current product still have to be matched to the buyer's declarations. [Chubb Limited Form 10-K for the Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Limited 2025 Form 10-K, Note 22 Statutory financial information](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Limited 2025 Form 10-K, Reinsurance recoverable on ceded reinsurance](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Limited 2025 Form 10-K, Brandywine run-off entities and the XOL Agreement](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [State Company Consumer Inquiries - Chubb US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)

### Legal Identity

Chubb Limited is the group parent reported in the 2025 SEC filings. The U.S. license document names multiple operating insurers, including Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company; the Chubb brand is not itself a substitute for the legal issuer. [Chubb Limited Form 10-K for the Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Limited Exhibit 21.1 Subsidiaries](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-12312025xex211.htm), [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf)

### Licensing

The Chubb company-license document identifies NAIC numbers and distinguishes admitted P&C authority from eligible or approved surplus-lines authority. It is marked current to January 24, 2023, so a current regulator confirmation is needed before treating its jurisdiction list as current for a specific policy. [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf)

The dated company document is no longer the only evidence of authority. State company records retrieved on 22 September 2026 independently confirm four of the named insurers as currently authorised: in Georgia, Federal Insurance Company (NAIC 20281, Indiana domicile) active since 1920, ACE American Insurance Company (22667, Pennsylvania domicile) since 1968, Westchester Fire Insurance Company (10030, Pennsylvania domicile) since 1987 and Westchester Surplus Lines Insurance Company (10172), which the Georgia record shows as Georgia-domiciled and active since 1994; and in Texas, Federal Insurance Company active since 1904. With the California profiles already cited, Federal, ACE American and Westchester Fire now carry current authority evidence in more than one state. [State Company Consumer Inquiries - Chubb US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Company Profile - Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile), [Company Profile - ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile), [Company Profile - Westchester Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=5928&event=companyProfile)

### Financial Strength

Chubb Limited’s consolidated SEC Form 10-K for the year ended December 31, 2025 reports approximately $272 billion of assets, approximately $74 billion of shareholders’ equity excluding noncontrolling interests, $53.014 billion of net premiums earned and $10.310 billion of net income attributable to Chubb. These are consolidated GAAP figures for the group parent, not statutory surplus, capital or authority of Federal, ACE American, Westchester Fire or Westchester Surplus Lines for a particular policy. [Chubb Limited Form 10-K for the Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm)

AM Best’s exact-entity disclosures show Federal Insurance Company (NAIC 20281) at A++ (Superior) FSR / aa+ (Superior) ICR, stable, affirmed effective January 16, 2026; Westchester Fire (NAIC 10030) and Westchester Surplus Lines (NAIC 10172) have the same displayed ratings and date. These are insurer ratings, not a rating of Chubb Limited’s brand, broker or any unlisted affiliate, and the issuing entity still must match the policy. [Best’s Credit Rating Disclosure Report - Federal Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=2084), [Best’s Credit Rating Disclosure Report - Westchester Fire Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=3368&PCA=0), [Best’s Credit Rating Disclosure Report - Westchester Surplus Lines Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=4433&PCA=0)

The 10-K also reports statutory figures, which are closer to the issuing entities than the consolidated GAAP accounts. Note 22 gives combined statutory capital and surplus for Chubb's property-and-casualty subsidiaries of $55,554 million at 31 December 2025, up from $48,253 million a year earlier, on combined statutory net income of $10,790 million in 2025, $11,118 million in 2024 and $8,699 million in 2023, and states that the subsidiaries' statutory capital and surplus met regulatory requirements in each of those three years, with $9.6 billion of dividends payable in 2026 without prior regulatory approval. These are combined figures across the subsidiary group and the 2025 amounts are the company's estimates, so they evidence multi-period statutory strength at group level rather than the surplus of Federal, ACE American, Westchester Fire or Westchester Surplus Lines individually. The note separately records that Federal Insurance Company holds a permitted accounting practice granted by the Indiana Department of Insurance for its investment in a foreign affiliate. [Chubb Limited 2025 Form 10-K, Note 22 Statutory financial information](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm)

### Risk-Bearing Relationships

Chubb’s 2025 filing reports $60.799 billion of direct written premiums, $5.147 billion of assumed written premiums and $11.104 billion of ceded written premiums, resulting in $54.842 billion net written premiums; it also says reinsurance does not discharge Chubb’s primary liability. Those figures describe the consolidated group, not an allocation to a specific U.S. insurer or product. The company license document and policy declarations remain necessary to identify the actual risk-bearing entity and whether placement is admitted or surplus lines. [Chubb Limited Form 10-K for the Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf)

The reinsurance behind the group is disclosed in more detail than the reinsurance behind any one programme. At 31 December 2025 Chubb reports gross reinsurance recoverable on losses and loss expenses of $20,658 million with a $320 million allowance for uncollectible reinsurance, 1.5% of the total, against $19,777 million net a year earlier. Of that gross figure, $8,934 million sits with the largest reinsurers, which Chubb names as ABR Reinsurance Capital Holdings, HDI Group (Hannover Re), Swiss Re Group, Berkshire Hathaway Insurance Group and Munich Re Group; a further $7,752 million is with reinsurers rated A- or better, $2,567 million with client captives and only $402 million with reinsurers rated below A- or unrated. This is the group's whole ceded book. It does not identify the reinsurers behind any named Chubb programme or product, and the 10-K itself states that ceded reinsurance does not relieve Chubb's primary obligation to its policyholders. [Chubb Limited 2025 Form 10-K, Reinsurance recoverable on ceded reinsurance](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm)

One Chubb programme does have named, quantified and dated capacity behind it, and it is the run-off book rather than a current product. Under the 1996 Restructuring approved by the Pennsylvania Insurance Commissioner, predominantly all of Insurance Company of North America's asbestos and environmental liabilities were ascribed to what is now Century Indemnity Company and contributed to Brandywine Holdings. A Chubb INA insurance subsidiary provides Century with $800 million of aggregate excess-of-loss reinsurance under the XOL Agreement, triggerable if Century's statutory capital and surplus falls below $25 million or it lacks liquid assets to pay claims. A Dividend Retention Fund of $50 million plus earnings must be replenished out of dividends and cannot be terminated without the Pennsylvania Commissioner's written approval; $50 million was contributed to Century in 2025 and $93 million in 2024, and Chubb INA put in a further $100 million against a surplus note in 2004. The arrangement is durable, disclosed and regulator-supervised, and it is also well used: $776 million has been ceded to the XOL inception to date, its remaining statutory limit at 31 December 2025 was $24 million, and Century's statutory surplus sat at $25 million, the trigger level. Century's carried gross reserves were $1.5 billion against $1.6 billion a year earlier, and it owes approximately $1.9 billion undiscounted to active Chubb companies that remain primarily liable for the exposures they reinsured to it. Chubb states it believes it has no legal obligation to fund Century losses above the XOL limit, while noting those losses would still consolidate. [Chubb Limited 2025 Form 10-K, Brandywine run-off entities and the XOL Agreement](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm)

That evidence is about the Brandywine run-off and about nothing else. It says nothing about the capacity behind Chubb's current commercial products, and the group reinsurance tables above describe the whole ceded book rather than any one programme's panel. No reviewed source names the reinsurers, fronting arrangements or terms supporting a named current Chubb programme, so outside Brandywine the capacity behind the paper a buyer would be sold is not established here. [Chubb Limited 2025 Form 10-K, Brandywine run-off entities and the XOL Agreement](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Limited 2025 Form 10-K, Reinsurance recoverable on ceded reinsurance](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm)

### Claims and Service

Chubb provides a U.S. claims overview and report-a-claim routes. The existence of a group claims channel does not establish which subsidiary, administrator or claims handling arrangement is responsible for a particular policy. [Chubb Claims](https://www.chubb.com/us-en/claims.html)

Chubb describes a single US claims operation reachable 24 hours a day on 1-800-CLAIMS-0, staffed by more than 2,000 North America claims professionals across dedicated property, casualty, catastrophe, financial-lines, workers' compensation and auto teams, and reports that 93% of clients with a paid claim were highly satisfied in surveys run between 2022 and 2025. All of that is company-reported and unaudited. What is independently established is the obligation rather than the service: the 10-K states that ceded reinsurance does not relieve Chubb's primary obligation to policyholders, so the liability sits with the issuing subsidiary named on the declarations, and the group claims channel does not identify which subsidiary or administrator handles any particular policy. [Chubb Claims](https://www.chubb.com/us-en/claims.html), [Chubb Limited 2025 Form 10-K, Reinsurance recoverable on ceded reinsurance](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm)

### Regulatory Record

California DOI profiles independently show current UNLIMITED-NORMAL status for Federal Insurance Company (CA Company ID 0059-6), ACE American Insurance Company (1325-0) and the Pennsylvania-domiciled Westchester Fire Insurance Company (2190-7). A separate New York-domiciled Westchester Fire record (CA Company ID 0235-2; NAIC 21121) is marked MERGED and is excluded from the active entity scope. A complete multi-state conduct search for the exact issuing entity and five-year window is not established in this record; the record does not establish a completed five-year conduct result. [Company Profile - Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile), [Company Profile - ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile), [Company Profile - Westchester Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=5928&event=companyProfile), [Company Profile - Westchester Fire Insurance Company (New York record)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2756&event=companyProfile)

One bounded conduct data point is now on the record. As a US registrant Chubb Limited must disclose material legal proceedings, and its 2025 Form 10-K reports only that its subsidiaries face claims litigation typical of the industry and, separately, lawsuits and regulatory actions in the normal course of business, with management's opinion that ultimate liability 'could be, but we believe is not likely to be, material'. No individual regulatory action against a named US insurer subsidiary is identified. That is an issuer disclosure judged by a materiality threshold, not a regulator search: it does not substitute for exact-entity enforcement and market-conduct searches, which remain outstanding. [Chubb Limited 2025 Form 10-K, Note 14 j) Legal proceedings](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm)

## Licenses and authority

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Federal Insurance Company | US | NAIC company code | 20281 | P&C insurance and reinsurance; admitted business shown in company license document | Domicile listed as Indiana; the company document’s U.S. table identifies Federal by NAIC 20281 but the extracted copy does not provide a separately attributable jurisdiction line for this row. Treat the document as dated company evidence, not current policy authority. | Company-reported | 2026-09-21 | [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf) |
| Federal Insurance Company | CA | Insurer company identifier | 0059-6 | California property and casualty company profile | California DOI profile shows NAIC 20281, Indiana domicile, License Status UNLIMITED-NORMAL and authorized date December 18, 1902 | Active | 2026-09-21 | [Company Profile - Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile) |
| ACE American Insurance Company | CA | Insurer company identifier | 1325-0 | California property and casualty company profile | California DOI profile shows NAIC 22667, Pennsylvania domicile, License Status UNLIMITED-NORMAL and authorized date December 20, 1945 | Active | 2026-09-21 | [Company Profile - ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile) |
| Westchester Fire Insurance Company | US | NAIC company code | 10030 | P&C insurance and reinsurance (admitted) | Domicile Pennsylvania; company document lists all 50 states, District of Columbia, NY Free Trade Zone, Guam, Puerto Rico, U.S. Virgin Islands and Northern Mariana Islands; current-to-January-24-2023 limitation applies. | Company-reported | 2026-09-21 | [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf) |
| Westchester Fire Insurance Company | CA | Insurer company identifier | 2190-7 | California property and casualty company profile | California DOI profile shows NAIC 10030, Pennsylvania domicile, License Status UNLIMITED-NORMAL and authorized date March 26, 1975 | Active | 2026-09-21 | [Company Profile - Westchester Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=5928&event=companyProfile) |
| Westchester Surplus Lines Insurance Company | US | NAIC company code | 10172 | P&C insurance and reinsurance (surplus lines) | Domicile Georgia; company document lists Georgia as domestic surplus lines and the remaining states, District of Columbia, Guam, Puerto Rico, U.S. Virgin Islands and Northern Mariana Islands as eligible/approved surplus lines; this is not admitted authority and the document is current-to-January-24-2023. | Company-reported | 2026-09-21 | [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf) |
| ACE American Insurance Company | CA | NAIC company code | 22667 | P&C insurer identifier | California DOI profile identifies NAIC 22667, Pennsylvania domicile, UNLIMITED-NORMAL P&C status and authorization dated December 20, 1945 | Active | 2026-09-21 | [Company Profile - ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile) |

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | Verified | cited current California DOI profiles for Federal 0059-6, ACE American 1325-0 and Pennsylvania-domiciled Westchester Fire 2190-7; each shows UNLIMITED-NORMAL. cited New York-domiciled Westchester Fire 0235-2; it shows MERGED and is excluded from active scope. | [Company Profile - Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile), [Company Profile - ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile), [Company Profile - Westchester Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=5928&event=companyProfile), [Company Profile - Westchester Fire Insurance Company (New York record)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2756&event=companyProfile) |
| US | Company-reported | cited Chubb company license PDF; named entities and authority are recorded only as a dated company disclosure current to January 24, 2023. | [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf) |
| US/DC | Not researched | No completed five-year conduct result is established for the stated scope for every Chubb insurer. | [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf) |
| GA | Verified | Georgia company records show Federal Insurance Company (NAIC 20281) active since 1920, ACE American Insurance Company (22667) since 1968, Westchester Fire Insurance Company (10030) since 1987 and Westchester Surplus Lines Insurance Company (10172, Georgia-domiciled) since 1994, all as Property and Casualty companies. | [State Company Consumer Inquiries - Chubb US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| TX | Verified | Texas company record shows Federal Insurance Company (NAIC 20281, Indiana domicile) active as a Fire and Casualty company since 01-01-1904. The other Chubb entities were not queried in Texas. | [State Company Consumer Inquiries - Chubb US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |

## Rating dimensions

### Carrier & MGA Spot Score

Included weighting: **25%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Financial Resilience:** The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role. [Chubb Limited Form 10-K for the Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Best’s Credit Rating Disclosure Report - Federal Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=2084), [Best’s Credit Rating Disclosure Report - Westchester Fire Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=3368&PCA=0), [Best’s Credit Rating Disclosure Report - Westchester Surplus Lines Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=4433&PCA=0), [Chubb Limited 2025 Form 10-K, Note 22 Statutory financial information](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf), [Chubb Limited 2025 Form 10-K, Reinsurance recoverable on ceded reinsurance](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm)
- **Claims and Servicing:** The evidence does not sufficiently establish responsibility, access and escalation across the assessed services. [Chubb Limited Form 10-K for the Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf), [Chubb Limited 2025 Form 10-K, Reinsurance recoverable on ceded reinsurance](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Claims](https://www.chubb.com/us-en/claims.html)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Chubb Limited Form 10-K for the Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf), [Chubb Limited 2025 Form 10-K, Reinsurance recoverable on ceded reinsurance](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Company Profile - Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile), [Company Profile - ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile), [Company Profile - Westchester Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=5928&event=companyProfile), [Company Profile - Westchester Fire Insurance Company (New York record)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2756&event=companyProfile), [Chubb Limited 2025 Form 10-K, Note 14 j) Legal proceedings](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Identity and Authority | 2.83 | 15% | 4.25 | [Chubb Limited Form 10-K for the Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Limited Exhibit 21.1 Subsidiaries](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-12312025xex211.htm), [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf), [State Company Consumer Inquiries - Chubb US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Company Profile - Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile), [Company Profile - ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile), [Company Profile - Westchester Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=5928&event=companyProfile) |
| Disclosure Clarity | 2.77 | 10% | 2.77 | [Chubb Limited Form 10-K for the Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Limited Exhibit 21.1 Subsidiaries](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-12312025xex211.htm), [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf), [State Company Consumer Inquiries - Chubb US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Company Profile - Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile), [Company Profile - ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile), [Company Profile - Westchester Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=5928&event=companyProfile), [Chubb Limited 2025 Form 10-K, Reinsurance recoverable on ceded reinsurance](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm), [Chubb Claims](https://www.chubb.com/us-en/claims.html) |

## Evidence gaps

- Exact issuing entity and policy form must be identified for any product-level assessment. No reviewed source maps a current Chubb product or programme to an issuing subsidiary.
- The company license document's stated currency ends January 24, 2023 and its jurisdiction lists still require a current regulator recheck outside the six state records now held.
- Entity-level statutory financial statements. Note 22 reports combined statutory capital, surplus and net income across the property-and-casualty subsidiary group, not the surplus of Federal, ACE American, Westchester Fire or Westchester Surplus Lines individually, and the 2025 figures are company estimates. The California DOI company profiles publish licence status and authorised lines but no financial data, and AM Best's own site was not available.
- Programme-level capacity outside Brandywine. The reinsurance recoverable tables describe the group's entire ceded book, and no reinsurer, layer, share or collateral is identified for any current Chubb programme or product.
- The Brandywine disclosure is Chubb's own and was not verified against Pennsylvania Insurance Department filings for Century Indemnity Company; the remaining XOL limit and Century's surplus are as reported by Chubb at 31 December 2025 and should be rechecked on the next annual report.
- Complete five-year conduct and complaint searches by exact Chubb entity. The 10-K legal-proceedings note is an issuer disclosure judged by materiality and identifies no individual action; it is not a regulator search.
- Claims service metrics are company-reported and unaudited, and no claims administrator or handling arrangement is identified for any particular policy.

## Related terms

- [What Is an Insurance Carrier?](/insurance-glossary/insurance-carrier)
- [What Is an AM Best Rating?](/insurance-glossary/am-best-rating)
- [What Is Policyholder Surplus?](/insurance-glossary/policyholder-surplus)
- [What Is Reinsurance?](/insurance-glossary/reinsurance)

## Sources

- [Best’s Credit Rating Disclosure Report - Federal Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=2084) — AM Best Rating Services; Federal Insurance Company, AMB 002084 / NAIC 20281; A++ (Superior) FSR and aa+ (Superior) ICR, stable outlook, affirmed effective January 16, 2026; accessed 2026-09-21.
- [Best’s Credit Rating Disclosure Report - Westchester Fire Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=3368&PCA=0) — AM Best Rating Services; Westchester Fire Insurance Company, AMB 003368 / NAIC 10030; A++ (Superior) FSR and aa+ (Superior) ICR, stable outlook, affirmed effective January 16, 2026; accessed 2026-09-21.
- [Best’s Credit Rating Disclosure Report - Westchester Surplus Lines Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=4433&PCA=0) — AM Best Rating Services; Westchester Surplus Lines Insurance Company, AMB 004433 / NAIC 10172; A++ (Superior) FSR and aa+ (Superior) ICR, stable outlook, affirmed effective January 16, 2026; accessed 2026-09-21.
- [Company Profile - ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile) — California Department of Insurance; Current California profile: NAIC 22667; CA Company ID 1325-0; Pennsylvania domicile; License Status UNLIMITED-NORMAL; authorized in California December 20, 1945; accessed 2026-09-21.
- [Company Profile - Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile) — California Department of Insurance; Current California profile: NAIC 20281; CA Company ID 0059-6; Indiana domicile; License Status UNLIMITED-NORMAL; authorized in California December 18, 1902; accessed 2026-09-21.
- [Company Profile - Westchester Fire Insurance Company (New York record)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2756&event=companyProfile) — California Department of Insurance; Current California profile: NAIC 21121; CA Company ID 0235-2; New York domicile; License Status MERGED; authorized in California December 14, 1874; excluded from active scope; accessed 2026-09-21.
- [Company Profile - Westchester Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=5928&event=companyProfile) — California Department of Insurance; Current California profile: NAIC 10030; CA Company ID 2190-7; Pennsylvania domicile; License Status UNLIMITED-NORMAL; authorized in California March 26, 1975; accessed 2026-09-21.
- [Chubb Claims](https://www.chubb.com/us-en/claims.html) — Chubb; Chubb Claims, US, re-read 22 September 2026: 'Claims are the promise behind your Chubb policy'; report online or by telephone on 1-800-CLAIMS-0; '24 hours a day, 7 days a week'; '2,000+ North America Claims Professionals'; '93% of clients with a paid claim are highly satisfied with their claim experience', attributed to surveys from 2022 to 2025; dedicated teams for property, casualty, catastrophe, financial lines, workers' compensation and auto physical damage. No subsidiary, administrator or claims-handling arrangement is identified for any particular policy.; accessed 2026-09-22.
- [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf) — Chubb; Current-to-January-24-2023 company license document; named U.S. insurers, NAIC numbers and authorized business/jurisdictions; Federal Insurance Company and Westchester entries; accessed 2026-09-21.
- [Chubb Limited Form 10-K for the Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm) — Chubb Limited; 2025 annual report business, subsidiaries, financial reporting and risk disclosures; accessed 2026-09-21.
- [Chubb Limited Exhibit 21.1 Subsidiaries](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-12312025xex211.htm) — Chubb Limited; Subsidiary list as of December 31, 2025; accessed 2026-09-21.
- [Chubb Limited 2025 Form 10-K, Note 22 Statutory financial information](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm) — Chubb Limited; Note 22, Statutory financial information, read 22 September 2026: combined statutory capital and surplus of the Property and casualty subsidiaries $55,554 million at 31 December 2025 and $48,253 million at 31 December 2024, and of the Life subsidiaries $9,160 million and $8,970 million; combined statutory net income of the Property and casualty subsidiaries $10,790 million in 2025, $11,118 million in 2024 and $8,699 million in 2023, and of the Life subsidiaries $740 million, $548 million and $459 million. The note states that the statutory capital and surplus of the insurance subsidiaries met regulatory requirements for 2025, 2024 and 2023, that $9.6 billion of dividends are available in 2026 without prior regulatory approval, that the 2025 amounts are estimates, and that Federal Insurance Company holds a permitted practice granted by the Indiana Department of Insurance relating to its investment in a foreign affiliate.; accessed 2026-09-22.
- [Chubb Limited 2025 Form 10-K, Reinsurance recoverable on ceded reinsurance](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm) — Chubb Limited; Reinsurance recoverable on ceded reinsurance tables, read 22 September 2026: net reinsurance recoverable on losses and loss expenses $20,338 million at 31 December 2025 and $19,777 million at 31 December 2024, with valuation allowances for uncollectible reinsurance of $320 million and $310 million. Categories of Chubb's reinsurers at 31 December 2025, on gross recoverable of $20,658 million: largest reinsurers $8,934 million with a 1.1% allowance, other reinsurers rated A- or better $7,752 million at 1.2%, other reinsurers rated lower than A- or not rated $402 million at 6.2%, pools $333 million, structured settlements $479 million, captives $2,567 million and other $191 million at 38.2%, for a total allowance of 1.5%. The named largest reinsurers are ABR Reinsurance Capital Holdings, HDI Group (Hannover Re), Swiss Re Group, Berkshire Hathaway Insurance Group and Munich Re Group, defined as groups of reinsurers or captives whose gross recoverable exceeds one percent of total Chubb shareholders' equity. The note states that ceded reinsurance contracts do not relieve Chubb's primary obligation to its policyholders.; accessed 2026-09-22.
- [Chubb Limited 2025 Form 10-K, Note 14 j) Legal proceedings](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm) — Chubb Limited; Item 3 Legal Proceedings incorporates Note 14 j), read 22 September 2026: the note says the insurance subsidiaries are subject to claims litigation typical of the industry and, separately, to lawsuits and regulatory actions in the normal course of business involving among other things allegations of underwriting errors or misconduct, employment claims, regulatory activity or disputes arising from business ventures, and that in management's opinion the ultimate liability for these matters 'could be, but we believe is not likely to be, material to our consolidated financial condition and results of operations'. No individual regulatory action against a named US insurer subsidiary is identified.; accessed 2026-09-22.
- [State Company Consumer Inquiries - Chubb US insurers](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Georgia and Texas insurance licensing lookup; Company Consumer Inquiries retrieved 22 September 2026. Georgia: Federal Insurance Company, NAIC 20281, Domicile State Indiana, Active Since 07-28-1920, Active Company Type Property and Casualty; ACE American Insurance Company, NAIC 22667, Domicile State Pennsylvania, Active Since 10-28-1968, Property and Casualty; Westchester Fire Insurance Company, NAIC 10030, Domicile State Pennsylvania, Active Since 08-15-1987, Property and Casualty; Westchester Surplus Lines Insurance Company, NAIC 10172, Domicile State Georgia, Active Since 11-30-1994, Property and Casualty. Texas: Federal Insurance Company, NAIC 20281, Domicile State Indiana, Active Since 01-01-1904, Active Company Type Fire and Casualty.; accessed 2026-09-22.
- [Chubb Limited 2025 Form 10-K, Brandywine run-off entities and the XOL Agreement](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm) — Chubb Limited; Brandywine Run-off entities note, read 22 September 2026: the 1996 Restructuring approved by the Pennsylvania Insurance Commissioner divided Insurance Company of North America, ascribed predominantly all asbestos and environmental liabilities to what is now Century Indemnity Company, and contributed Century and other run-off companies to Brandywine Holdings. 'In 1996, in connection with the Restructuring, a Chubb INA insurance subsidiary provided reinsurance coverage to Century in the amount of $800 million under an Aggregate Excess of Loss Reinsurance Agreement (XOL Agreement), triggerable if the statutory capital and surplus of Century falls below $25 million or if Century lacks liquid assets with which to pay claims as they become due.' A Dividend Retention Fund of $50 million plus investment earnings must be replenished from dividends and may not be terminated without prior written approval from the Pennsylvania Insurance Commissioner; $50 million was withheld and contributed to Century in 2025 and $93 million in 2024. Chubb INA contributed $100 million to Century in 2004 in exchange for a surplus note. Century's statutory surplus at 31 December 2025 was $25 million, $776 million of statutory-basis losses have been ceded to the XOL Agreement inception to date, and the XOL Agreement's statutory-basis remaining limit at 31 December 2025 is $24 million. Chubb states it believes it has no legal obligation to fund Century losses above the XOL limit. Aggregate reinsurance recoverables owed by Century to certain active Chubb companies were approximately $1.9 billion undiscounted at 31 December 2025 and 2024, and Century's carried gross reserves were $1.5 billion and $1.6 billion respectively.; accessed 2026-09-22.

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