What does Chubb Commercial specialize in?

What kinds of businesses does Chubb Commercial write?

Chubb Commercial writes coverage for businesses that carry risk beyond what standard commercial packages address, companies with significant property values, complex liability exposures, or specialized operations that need manuscript-style or surplus-lines solutions.

Businesses that tend to be a fit include mid-size to large commercial accounts, property-heavy operations with building or equipment values above five million dollars, professional-services firms, companies with international exposure, and any business that has been non-renewed or declined by standard market carriers.

What property coverage does Chubb Commercial offer?

On the property side, Chubb Commercial insures buildings, equipment, and inventory at replacement cost values, including business interruption coverage tied to actual revenue rather than a flat limit. Businesses with multiple locations, high-value machinery, or cold-storage operations often find standard market policies cap out below what a real loss would cost. Equipment breakdown and spoilage can be layered in for operations where a mechanical failure or power outage triggers significant downstream losses.

For example, a food distribution company with refrigerated storage might face a six-figure inventory loss from a single compressor failure, and a standard commercial package may cap spoilage coverage well below the actual exposure.

What liability options does Chubb Commercial provide?

The liability portfolio runs from general liability and products liability through excess and umbrella insurance layers. For businesses that contract with large clients or operate in litigation-prone sectors such as construction, manufacturing, and retail distribution, umbrella limits in the tens of millions are a practical requirement.

Management and professional lines include directors and officers (D&O), employment practices liability (EPLI), and errors and omissions (E&O). D&O protects executives and board members from claims tied to business decisions. EPLI covers wrongful termination, discrimination, and harassment claims. These exposures surface regularly in businesses with twenty or more employees. E&O is standard for any firm that provides advice or professional services for a fee.

How does Chubb Commercial handle cyber risk?

Cyber liability coverage addresses first-party losses, data recovery, business interruption from a network outage, ransomware payments, and third-party liability when a breach exposes customer or vendor data. Georgia businesses handling payment card data or protected health information carry mandatory breach-notification obligations under O.C.G.A. § 10-1-912, which makes first-party cyber coverage a practical necessity rather than a discretionary add-on.

For example, a Georgia-based healthcare billing firm that experiences a ransomware attack faces notification costs, regulatory response costs, and potential third-party claims from patients, all of which a standard business owners policy (BOP) typically excludes.

What specialty lines does Chubb Commercial write beyond standard coverage?

Chubb Commercial also writes marine (inland and ocean), aviation, environmental liability, and surplus-lines property for risks that admitted carriers decline. That breadth matters when a business has an exposure that falls outside a standard BOP or commercial package, such as a storage tank, a watercraft fleet, or a specialty chemical process.

How can a coverage review help identify if Chubb Commercial fits my business?

A coverage review can identify whether your current program leaves gaps that Chubb Commercial, or another specialty market available through Olive Cover, would fill. Schedule one here.