Chubb is now available through Olive Cover. Chubb is one of the world’s largest property and casualty insurers, with financial strength that ranks among the highest in the industry and a claims operation built for complex, high-value losses.
For homeowners, Chubb’s Masterpiece policy targets higher-value homes, generally those valued above $750,000. The policy includes extended replacement cost, which covers the rebuild even if construction costs run past the stated policy limit. That matters most after a widespread loss event when contractor prices spike. Masterpiece also includes water backup coverage, building-code upgrade coverage, and personal liability limits that scale into the millions. High-value autos, jewelry, art collections, watercraft, and umbrella coverage round out the personal account, and Chubb offers private flood coverage where standard NFIP policies fall short. For example, a Johns Creek home valued at $1.2 million with a wine collection, a classic car, and a pool would likely find Chubb’s single-account structure more complete than stitching together separate standard policies for each exposure.
North Atlanta communities including Milton, Alpharetta, Buckhead, and Sandy Springs are where Chubb’s homeowners appetite fits most naturally. The North Atlanta carrier FAQ covers how Chubb compares to other carriers writing in that market. For the broader category of specialty personal coverage, the specialty personal insurance FAQ explains what lines are available and when they apply.
For businesses, Chubb brings management liability, including directors and officers coverage and employment practices liability, professional liability, cyber, and complex commercial property and package coverage. Mid-market and larger companies with harder-to-place risk profiles are where Chubb’s commercial appetite is strongest.
Chubb is not the lowest-cost option and applies selective eligibility standards. Accounts with frequent claims, older roof conditions, or home values below the Masterpiece threshold will generally not qualify. For example, a standard 1990s suburban Atlanta home with a prior water claim is not a Chubb fit, and placing it there would cost more than a comparably structured Travelers or Nationwide policy with no coverage advantage. A free coverage review can identify whether Chubb fits your property or business. The coverage review FAQ explains what the session covers. Full carrier details are at Chubb personal lines and Chubb commercial.