What commercial coverage does Chubb Commercial write?

All FAQs

Quick answer: Chubb Commercial is the mid-market and specialty commercial arm of Chubb, writing general liability, directors and officers, employment practices liability, professional liability, and package policies.

Chubb Commercial covers a broad range of business risks, with particular depth in specialty management liability lines that many standard carriers treat as secondary offerings. For Georgia businesses that face complex exposures, executive decisions, workforce disputes, data breaches, or professional services claims, that depth matters.

What management liability lines does Chubb Commercial offer?

The specialty lines available through Olive Cover via Chubb Commercial include:

  • Directors and officers (D&O) liability. Protects company leaders, executives, board members, and officers against claims alleging mismanagement, breach of duty, or other wrongful acts in their official roles. D&O claims can come from shareholders, employees, regulators, or creditors.
  • Employment practices liability (EPL). Covers claims brought by current or former employees alleging wrongful termination, discrimination, harassment, or failure to promote. EPL is relevant to businesses of nearly every size, not just large employers.
  • Cyber liability. Responds to data breaches, ransomware events, network outages, and regulatory investigations tied to data handling failures. Covers both first-party costs (notification, forensics, business interruption) and third-party claims from affected customers or partners.
  • Professional liability (errors and omissions). Applies when a business or individual professional is alleged to have provided inadequate service, faulty advice, or work that caused a financial loss to a client. Coverage is written across a range of professions and industries.
  • Commercial property and casualty. Chubb writes standard commercial property, general liability, and inland marine for qualifying businesses. Appetite here tends toward larger, more complex risks rather than small habitational or retail accounts.
  • Commercial umbrella insurance and excess liability. Provides additional limits above primary liability policies, including general liability and auto. Useful for businesses with high-revenue operations, contractual requirements for elevated limits, or significant public exposure.
  • International coverage. For Georgia businesses with operations, employees, or exposures outside the U.S., Chubb writes international programs that address gaps standard domestic policies leave uncovered.

What does Chubb D&O coverage protect against for Georgia businesses?

D&O liability covers claims against executives and board members for decisions made in their official roles. Those claims can come from shareholders, employees, regulators, lenders, or competing parties. The policy responds to defense costs as well as settlements or judgments, regardless of whether the underlying claim has merit.

For example, a Georgia technology company whose CEO is alleged by a minority shareholder to have made decisions that damaged the company's value would look to D&O coverage to fund that defense, including attorney fees and any eventual settlement.

Does Chubb write employment practices liability for smaller Georgia businesses?

EPL is not limited to large employers. Any Georgia business with employees or contractors can face an EPL claim, and the cost to defend one frequently runs into the tens of thousands of dollars even when the claim is eventually dismissed. Chubb writes EPL as a standalone policy and as part of a broader management liability program.

For example, a 12-person Atlanta marketing firm facing a wrongful termination claim from a former employee would rely on EPL coverage to fund the defense, since general liability policies do not respond to employment-related claims.

What types of Georgia businesses fit Chubb Commercial's appetite?

Chubb Commercial tends to be a strong fit for mid-market to large commercial accounts, professional services firms, technology companies, nonprofits with governance exposure, and any business where management liability is a meaningful risk. Smaller accounts or standard habitational risks generally fall outside Chubb's appetite.

How do I find out if Chubb Commercial fits my Georgia business?

Coverage options and availability vary based on the business's industry, size, claims history, and state of operations. A coverage review with Olive Insurance Services can identify whether Chubb Commercial is the right fit for your business exposures, or whether a different carrier better matches your risk profile.

Schedule a coverage review to talk through your commercial coverage options with our team.