Chubb Business Insurance Review 2026: Top-Rated Company, Customizable BOP
Chubb is one of our top-rated insurance companies. Businesses with under $2 million in revenue can get a BOP online.
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Chubb is a century-old company that sells virtually every type of business insurance. It's one of our picks for the best small-business insurance due to its financial strength and online shopping features.
For businesses that earn $2 million or less in annual revenue and have fairly simple insurance needs, Chubb's online portal makes it easy to get coverage fast. You can input details about your business and buy a business owner’s policy, general liability, professional liability, worker’s comp and umbrella insurance online.
If your insurance needs are more complex or your annual revenue is higher than $2 million, Chubb may still make sense. But instead of shopping online, you’ll need to work with a business insurance agent to get quotes and buy policies.
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Chubb business insurance: Pros and cons
Pros
Simple online shopping experience that most businesses can likely complete in a few minutes.
BOP includes business interruption and extra expense coverage.
Fewer complaints than expected about liability coverage and far fewer than expected about property coverage.
Cons
Can’t get commercial auto insurance online.
What Chubb does well
Financial strength and few complaints
AM Best, a credit rating agency, gives Chubb’s many entities “superior” ratings. Those are the highest possible marks. This means that, if there’s a disaster that requires Chubb to pay out lots of claims at once, experts believe the company has the financial wherewithal to do so.
Also, Chubb policyholders filed fewer complaints than we’d expect with state regulators between 2022 and 2024 about commercial property insurance, given the company’s market share. That ratio was even better for general liability insurance. These factors together usually mean a company is predictable and reliable.
Business owner’s policies with additional coverage
Business owner’s policies, or BOPs, are a great place to start for small businesses with a physical footprint. Chubb makes it easy to get a BOP online and add a variety of endorsements. These include some coverage for employment practices liability, hired and non-owned auto liability, property in transit and data breach coverage.
Thorough online quote process
Chubb’s online quote process impressed me (more on this below). The insurer asks more questions than most, which takes a few extra minutes. But that helps ensure that the right boxes get checked on your policy.
Chubb also gives the buyer flexibility to adjust their limits, add endorsements and add additional insureds. Not all online quote flows do. This should give you confidence that your business is properly protected.
Where Chubb falls short
Preference for larger businesses
When I tried to get a quote as a freelance marketing consultant, Chubb said it couldn’t cover me. And in a dataset of around 500 business insurance policies shared exclusively with NerdWallet by online broker Coverdash, Chubb tended to underwrite larger businesses. It insured only one business with less than $100,000 in annual revenue.
If you’re a freelancer or solopreneur, try Hiscox or The Hartford instead. Both are longstanding, reliable companies that tend to do more business with smaller firms.
May be more expensive than other options
We don’t yet have enough data to say that Chubb is pricier than other insurance companies we evaluate for cheap business insurance. But in online forums, insurance agents say Chubb tends to be pricey and that it has a reputation for serving high-end clients.
If your top priority is price, you should still get a quote from Chubb. But compare it to quotes from online insurers with low overhead, like Ergo Next, too.
How we evaluated Chubb business insurance
NerdWallet’s business insurance star ratings include these factors:
- Financial strength (33%). This tells us how likely an insurance company is to be able to pay out claims if there’s a major disaster or financial crisis. All Chubb entities have “superior” ratings from AM Best.
- Customer complaints (33%). The National Association of Insurance Commissioners (NAIC) collects data about how many complaints were filed by an insurer’s customers. Between 2022 and 2024, Chubb received fewer complaints about general liability insurance and far fewer about commercial property insurance than we’d expect given its market share.
- Purchase process (17%): You can use Chubb’s online portal to buy general liability insurance, a BOP, workers’ comp, cyber insurance or an umbrella policy, provided your business earns less than $2 million in revenue. If you need other types of coverage, Chubb almost certainly sells them. You’ll just have to work with an independent agent to get quotes.
- Customer support (17%): Chubb has been around for more than a century, so it’s not surprising that the company hasn’t fully adopted digital tools. You have to submit a request for a copy of your certificate of insurance, for instance, and it can take a day to receive it. That said, you can file claims over the phone, and you’ll work with the same claims examiner throughout the process.
I take a few additional steps when writing reviews of business insurers. These don’t currently inform our star ratings, but you’ll see details about them below:
- Aggregating customer reviews and complaints. I used an AI tool to summarize what policyholders say about Chubb on websites like Reddit, Trustpilot and the Better Business Bureau. We don’t factor this feedback into star ratings because it’s usually anonymous and we can’t verify it. But we still think it can help shoppers understand the potential ups and downs of a particular insurer.
- Trying the online quote process. If an insurer offers online quotes, as Chubb does, I get one. I use the same location, industry and business size information every time. The quote process can reveal how customizable policies are, hidden fees and more. We don’t include this in star ratings because many insurance companies still don’t offer online quotes, so we can’t gather the data from every brand.
Save up to 30% on business insurance
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What small-business owners think about Chubb
I read through online forums like Reddit, review sites like WalletHub and the Better Business Bureau, and Google and Apple’s app stores to understand how users feel about Chubb. I then used an AI tool to help analyze overall sentiment.
Chubb also sells travel, home and auto insurance, so it’s not always easy to isolate complaints from business owners. There’s also just not that much chatter online about such a traditional, non-trendy insurer. Here are the primary themes that stood out, though:
👍 Trusted brand
Chubb has been around for more than a century. It has a reputation for insuring high-end clients and providing products that other insurers might not. For instance, Chubb offers all-risks property insurance, which is valuable in risky markets like Florida. In general, Chubb is seen as a safe bet for most businesses, including large ones with more risk exposure.
👎 Long wait times
Working with a large company usually means encountering a large bureaucracy. And that’s the last thing you want when filing an insurance claim. Online reviews complain about emails going unanswered, long hold times on the phone and lengthy claims filing processes.
What policies does Chubb sell?
If your business earns $2 million or less per year in revenue, you can buy the following policies online from Chubb Small Business:
- A business owner’s policy. Chubb’s BOP includes general liability insurance, commercial property insurance, business interruption insurance and extra expense coverage.
- General liability insurance on its own.
- Cybersecurity insurance.
Chubb sells virtually every type of business insurance through its agents. These include:
- Professional liability insurance for financial institutions, media organizations, lawyers, public entities and more.
- Directors and officers insurance.
- Commercial crime insurance.
- Employment practices liability insurance.
- Pollution liability insurance.
- Commercial auto insurance.
- Inland and ocean marine insurance.
- Product recall insurance.
How to get insurance online from Chubb Small Business
While writing this review, I went through the Chubb Small Business quote process. As I do every time I get a quote, I told Chubb I was a freelance marketing consultant working out of my home in Chicago, earning $10,000 in annual revenue.
After I shared those details, Chubb invited me to choose a coverage type. I appreciate the level of detail the company provides here. At the same time, this feels a bit like an upsell. A sole proprietor in a low-risk industry probably doesn’t need an umbrella policy.
Against its recommendation, I chose general liability insurance. Next, I provided my business structure, start date, address, annual payroll and number of employees.
Chubb followed up with a few questions that, presumably, help its algorithm determine my risk level and decide if I need particular endorsements.
At the end of the process, I got an error that said Chubb couldn’t offer any insurance products for my business. That’s the first time I’ve experienced this after testing around 10 of these online flows.
Sometimes insurance companies decline potential customers because they don’t have “appetite” for that type of business. That means, according to their internal calculations, a business isn’t likely to generate profit for the insurer in the long run. It might be too small, too risky or in an industry the insurer feels they don’t understand very well.
In case my business was too small, I started again and requested a BOP for a business consultant with $100,000 in revenue. This time, I got an offer.
I increased my limits and recalculated the premium. As expected, higher limits turned into higher premiums.
Chubb allows users to pay in one, two or four payments annually. There’s no month-to-month option, which many insurers offer. According to a disclosure later in the process, installment fees vary by state and may be up to $10.
After that, I had the chance to add endorsements. This is one of the most comprehensive lists I’ve seen, and the informational pop-ups are helpful and complete.
Once I agreed to the terms and conditions, it was time to pay for my policy. Credit and debit card payments carry a 2.99% payment processing fee. You can pay with a bank account to avoid a surcharge.
I’ve gotten nearly a dozen business insurance quotes in 2026, and this was the most comprehensive quote process I’ve seen yet. It gives me confidence that Chubb will provide full coverage and good, clear customer service later.
Methodology
Business insurance ratings methodology
NerdWallet rewards business insurance companies for reliability and good service. We calculate star ratings based on scores in about a dozen categories. These include:
- Each company's financial strength.
- How many complaints customers made relative to its market share.
- How easy it is to get coverage.
- How accessible customer service is.
Learn more about how we rate small-business insurance companies.
Our editorial team routinely fact-checks and updates these data points. We also adjust our scoring on an ongoing basis. This helps our star ratings reflect changing industry norms. For instance, in 2026, we began evaluating how easy insurers make it to add an additional insured.
Our ratings are a guide. But insurance policy details and prices can vary widely. We encourage you to shop around and compare several insurance quotes.NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
One key factor in our star ratings is how many complaints insurance companies get. Here's how we arrive at that score.
Disappointed customers can file a complaint with their state's insurance department. The National Association of Insurance Commissioners (NAIC) collects, analyzes and groups complaints by business line and insurance company every year. A business line is a specific type of coverage, like workers’ comp.
Then, the NAIC calculates a complaint ratio for each company. It divides the company's share of complaints by its share of total premiums for each line of business. It then adds these ratio values to their official complaint index.
- A complaint ratio of 1 means a company received about the expected number of complaints relative to its size.
- A ratio of 2 means it received twice as many complaints as expected.
- A ratio of 0 means it received half as many complaints as expected.
NerdWallet obtains the raw NAIC data every year. We aggregate results at the company level and fact-check these results. Then we calculate a three-year average of each insurer's complaint ratio and convert it to a score for our star ratings.
Business insurance star ratings consider complaints about two lines of business: commercial liability and commercial property. We analyze complaint data on commercial auto and workers' comp policies too. But we don't currently incorporate these into our ratings since they're less universal.
