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Why entrust your lifestyle to an insurance company that doesn't understand its value? Chubb offers you a world of superior coverage, where unfortunate events are met with a surprisingly easy, supportive claims experience. And unlike standard insurance, Chubb is here to help protect your standard of living, not just your things. 

Ask your insurance company if it can do this...

Pay living expenses at your current standard of living

We pay for comparable temporary housing when you can't live in your home due to a covered loss or forced evacuation, plus the increase in expenses until you can return, including kenneling your pet.

Help you get back what you had

With replacement cost coverage, you get the money it costs to replace anything that's covered, not a depreciated value.

Give you freedom of choice

You can select your own contractor following a covered loss or choose from our list of local, preferred vendors.

Pay the cost of rebuilding to current building codes and standards

We pay the costs it takes to bring your home up to current code, related to a covered loss.

Let you spend or keep the money

You can receive cash, up to your policy limit, whether or not you repair or rebuild your home that is damaged after a covered loss.

Pay for damage from water backup of interior sewers or drains

Included, up to your applicable policy limit.

Offer complimentary best-in-class services

Our Masterpiece HomeScanSM uses infrared technology to help detect hidden moisture and fire hazards in your home. Masterpiece Protection Network offers referrals to prequalified service providers.

Provide personalized home appraisal service

We help you determine the proper amount of coverage for your home, and identify home safety measures that may qualify you for savings. Includes personalized security and fire prevention advice.

Legal Notices

Legal Notices

For promotional purposes, Chubb refers to member insurers of the Chubb Group of Insurance Companies, which includes: Federal Insurance Company - Vigilant Insurance Company - Great Northern Insurance Company - Pacific Indemnity Company - Texas Pacific Indemnity Company - Chubb Lloyds Insurance Company of Texas - Chubb Custom Insurance Company - Chubb Indemnity Insurance Company - Chubb Insurance Company of New Jersey - Chubb National Insurance Company - Executive Risk Indemnity Inc. - Executive Risk Specialty Insurance Company - Chubb Insurance Company of Australia, Limited - Chubb Insurance Company of Canada - Chubb Insurance Company of Europe SE - Chubb do Brasil Companhia de Seguros - Chubb de Colombia Compañía de Seguros, S.A. - Chubb de Chile Compañía de Seguros Generales, S.A. - Chubb de Mexico, Compañía Afianzadora, S.A. de C.V. - Chubb de Mexico, Compañía de Seguros, S.A. de C.V. - Chubb Argentina de Seguros, S.A. - Chubb Insurance (China) Company Limited - Chubb Insurance Company (Thailand) Limitied - PT Asuransi Chubb Indonesia.

Not all insurers do business in all jurisdictions.   In addition, not all coverages are available in all jurisdictions. The Chubb Corporation is not directly involved in the business of insurance and is not conducting business on this site.

Statutory and Coverage Information

Each U.S. insurance company has a domicile state, where it is incorporated and initially authorized to transact business. However, the company may not maintain its principal place of business in the state of domicile. The information below is provided in compliance with state insurance statutes requiring disclosure of all states where an insurer is authorized to transact business, as well as information regarding the insurer's state of domicile, principal place of business and NAIC code number. (NAIC is the National Association of Insurance Commissioners, a national organization which coordinates state insurance regulatory efforts.)

All of the following U.S. insurance companies within the Chubb Group of Insurance Companies, maintain their principal place of business at 15 Mountain View Road, Warren, NJ 07059.

Company Name State of Domicile States Where Authorized
to Transact Business
Chubb Custom Insurance Company New Jersey All 38989
Chubb Indemnity Insurance Company New York All 12777
Chubb Insurance Company of New Jersey New Jersey NJ 41386
Chubb Lloyds Insurance Company of Texas Texas MS, TX 27774
Chubb National Insurance Company Indiana All except NH 10052
Executive Risk Indemnity Inc. Delaware All except CT 35181
Executive Risk Specialty Insurance Company Connecticut CT 44792
Federal Insurance Company Indiana All 20281
Great Northern Insurance Company Indiana All 20303
Pacific Indemnity Company Wisconsin All 20346
Texas Pacific Indemnity Company Texas AR, TX 20389
Vigilant Insurance Company New York All 20397

The precise coverage afforded by any insurer is subject to the terms and conditions of the policies as issued. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss and the terms and conditions of the policy as issued. Evaluations, reports and recommendations are made solely to assist Chubb in underwriting and loss control. Evaluation for any hazard or condition does not mean that it is covered under any policy. No warranties or representations of any kind are made to any party. Neither Chubb nor its employees or agents shall be liable to any party for the use of any information or statements made or contained in any evaluation, report or recommendation.


Copyright Notice

ALL RIGHTS RESERVED. No part of the materials made available may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means electronic, mechanical, photocopying, recording, or otherwise without prior written approval.

Terms of Use



We make no representation or warranty about the accuracy or completeness of the materials made available, including materials in linked sites directly or indirectly accessible from here.

We do not warrant that the materials are error free, nor free of viruses, defamatory, offensive, or other harmful matter. You assume all risk with using and accessing the materials, including without limitation the entire cost of any necessary service, repair, or correction for any loss or damage that results from the use and access of the materials.

The materials that can be accessed from linked sites are not maintained by us and we are not responsible for the contents thereof and do not make any representations or warranties regarding any products or services that may be advertised on these sites. Any reference to a linked site or any specific third party product or service by name does not constitute or imply its endorsement by us, and you assume all risk with respect to its use.

Under no circumstances shall we, nor our affiliates, agents, or suppliers, be liable for any damages, including without limitation, direct, indirect, incidental, special, punitive, consequential, or other damages (including without limitation lost profits, lost revenues, or similar economic loss), whether in contract, tort, or otherwise, arising out of the use or inability to use the materials available here or in any linked site, even if we are advised of the possibility thereof, nor for any claim by a third party.

This material is for your personal and non-commercial use, and you agree to use this for lawful purposes only. You shall not copy, use, modify, transmit, distribute, reverse engineer, or in anyway exploit copyrighted or proprietary materials available from here, except as expressly permitted by the respective owner(s) thereof. Use of any software available for downloading is governed by the terms of the applicable license agreement accompanying or included with the software. All trademarks, service marks, and trade names are the marks of the respective owner(s), and any unauthorized use thereof is strictly prohibited.

You agree to defend, indemnify, and hold us and our affiliates harmless from and against any and all claims, losses, liabilities, damages and expenses (including attorney's fees) arising out of your use of the materials.

The terms of use shall be governed in accordance with the laws of the state of New Jersey, U.S.A., excluding its conflict of laws provisions. We reserve the right to add, delete, or modify any or all terms of use at any time with or without notice.

The information in the materials about The Chubb Corporation is used with the permission of The Chubb Corporation.

Privacy Policy


This Web Site is owned and maintained by ACE Group Holdings, Inc. and/or one or more of its affiliates (the "Owner", “we”, “us” or “our”) within the ACE Group of Insurance and Reinsurance Companies (collectively, the “ACE Group”).  The ACE Group is comprised of insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business in various countries and jurisdictions around the world. The ACE Group also includes companies that provide services to the insurance industry and other customers.

The information contained in this Web Site Privacy Statement is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the information on this Web Site.

By using this Web Site or any ACE Group web site (unless otherwise provided for on a particular web site), you are agreeing to be bound by the terms of this Web Site Privacy Statement and our Terms of Use. Please review the terms of this Web Site Privacy Statement from time to time, as we reserve the right to modify or amend this Web Site Privacy Statement or our Terms of Use at any time.

The ACE Group strongly believes in maintaining the privacy of nonpublic personal information we collect from individuals who visit our web sites. We want you to understand how and why we collect, use and disclose the personal information about you on our web sites. This Web Site Privacy Statement provides information concerning ACE Group’s practices and procedures as they relate specifically to information we collect at this Web Site.


We do not collect any personal information about you at our web sites unless you choose to provide it to us voluntarily. We define “personal information” as information that is unique to you and might include your phone number, name, age, address or Social Security number. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.

If you do provide us with personal information, we will use it only for the purposes described where it is collected, and we will not sell, license, transmit or disclose this information outside of the ACE Group unless (1) you expressly authorize us to do so, (2) it is necessary to allow our contractors or agents to provide services for us, (3) in order to provide our products or services to you, (4) it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements, (5) in connection with a merger, consolidation, acquisition, divestiture or other corporate restructuring, or (6) otherwise as we are required or permitted by law.


We restrict access to personal information collected about you at our web sites to our employees, our affiliates' employees, or others who need to know that information to provide services to you or in the course of conducting our normal business operations. We maintain appropriate administrative, technical and physical safeguards to protect personal information. When you enter sensitive information (such as a credit number or social security number) on our web sites, we encrypt that information using secure socket layer technology (SSL) or similar technology during its transmission to our web site. However, please be advised that electronic communications, including the internet, are not completely secure, and we cannot guarantee the security of your information conveyed in this manner.


Keeping information accurate and up to date is important to us. An individual may see and correct their personal information that we collect except for information relating to a claim or a criminal or civil proceeding. Contact us at the address provided below if you wish to verify your personal information.


For your convenience we may provide links to other web sites and web pages that we do not control. We cannot be responsible for the privacy practices of any web sites or pages not under our control and we do not endorse any of those web sites or pages, the services or products described or offered on such web sites or pages, or any of the content contained on those web sites or pages. Before providing any personal information to such web sites, please be sure to carefully review the web site’s privacy policy.


A cookie is a piece of information that a web server may place on your computer when you visit a web site. Cookies are commonly used by web sites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single web site session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.

We may use cookies for a number of purposes -- for example, to maintain continuity during a user session, to gather data about the usage of our web site for research and other purposes, or to enable our servers to recognize your computer so that your preferences and/or authentication credentials can be recognized and so you do not have to provide this information every time you return to our web site.

Our cookies will track only your activity relating to your online activity on this web site, and will not track your other Internet activity. Our cookies do not gather personally identifiable information.

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online products and services or web site features.

We may occasionally use other companies to set cookies on our web sites and gather cookie information for us. In some cases we may also use another company to operate web servers for our web site. We use the cookie information gathered by these companies in the same manner as stated above.

In addition to cookies, we may also use other means of passively collecting non-personally identifiable data about your use of our web sites, such as through the use of “clear GIFs” (small pieces of data that may be embedded in images on our web sites that enable us to track your usage of our web sites) and analyzing “click stream” data (the virtual trail you leave behind while browsing the Internet and viewing our web sites). We only use clear GIFs and click stream data to gather anonymous data about your visit to our web sites. Blocking cookies will prevent clear GIFs from tracking your activity, and also prevent us from collecting certain other anonymous unique information, such as your IP address, but the clear GIF will still account for an anonymous visit.

In addition to the information we collect from cookies, from clear GIFs, through the analysis of click stream data and any other means we may employ to collect non-personally identifiable information about you or your visits to our web sites, we may also obtain anonymous information which you provide to us online -- for example, when you use our tools and calculators.

We reserve the right to use and share aggregate and anonymous data (including data aggregated from you and other users of our web sites, tools and calculators) for any purpose and with any third parties, unless prohibited by law.


We may change this Web Site Privacy Statement at any time and from time to time. Any amendments or modifications to this Web Site Privacy Statement will become effective immediately upon posting. Your continued use of any of our web sites following the posting of a revised version of this Web Site Privacy Statement will constitute your acceptance of the revised Web Site Privacy Statement. If you do not agree with the revised Web Site Privacy Statement, do not use any of our web sites.


If you wish to verify your personal information, or if you have any questions about this Web Site Privacy Statement or would like to learn more about how we protect your privacy, please write to us at ACE Group Holdings Corporate Communications c/o Web Manager, 1133 Avenue of the Americas, 44th floor, New York, N.Y. 10036.

Last Updated: August 22, 2011

Producer Compensation

Producer Compensation Practices for U.S. Insurance Transactions

All of the members of the Chubb Group of Insurance Companies doing business in the United States* (hereinafter "Chubb") distribute their insurance products through licensed brokers and agents ("producers").  The following is a brief overview of the types of compensation paid by Chubb to these producers.  Additional information may be available from the producer.

This overview focuses on U.S. insurance transactions.  Thus it does not provide information about Chubb's producer compensation practices for insurance transactions in other parts of the world where Chubb does business.  The purpose of this overview is to provide information about the costs associated with Chubb's distribution of its insurance products.

Standard Commissions

Chubb usually pays its producers a commission for each insurance policy they sell.  This "standard" commission is a percentage of the premium charged to the insured for the policy.  The amount of standard commission depends on the type of insurance product sold.  Chubb offers a wide variety of products, and therefore pays a wide range of standard commissions, which can vary from transaction to transaction based on the size and complexity of the transactions.  Please click here to see detailed information regarding the range of commissions Chubb pays.

In some insurance transactions, an insurance producer may charge the customer a fee in lieu of receiving a standard commission from the insurance company.  In other transactions, where specialized expertise or access to surplus lines markets is needed, the customer and its retail producer may engage an additional "wholesale" producer.  Where a wholesaler is involved in an insurance sale, an increased standard commission typically is paid by Chubb (normally an additional 5%) and the total standard commissions paid are divided among the retail and wholesale producers pursuant to arrangements made between them.  You should consult your producer if you have questions regarding the details of such an arrangement.

Guaranteed Supplemental Compensation

In addition to standard commissions, producers also may receive guaranteed supplemental compensation ("GSC") from Chubb, which consists of an additional commission percentage on eligible business.  Eligible lines vary by year.  Each qualified producer's GSC percentage is fixed at the beginning of the calendar year, based on its performance (in terms of growth, retention and profitability) in the prior year.  This percentage remains fixed for all policies written during the year and is payable in lump sum in January of the following year.

For 2014, Chubb will pay between 0 - 7.5% GSC on commercial and personal policies.  Approximately 90% of producers will earn between 0 - 4.0% GSC on commercial and personal policies.

Contingent Commission

Certain producers may be eligible to receive a “contingent” commission from Chubb, which may be offered in lieu of guaranteed supplemental compensation.  The amount of contingent commissions paid to producers generally will be similar to GSC payments.

As the name suggests, a producer’s eligibility for, and the percentage and amount of, contingent commission a producer may earn in a given year would be contingent on the producer meeting pre-established goals for profitability, retention and/or growth standards for all of the policies it placed with Chubb during that year.  If, in a given year, a producer does not meet its growth, retention and/or profitability requirements, that producer would not qualify for a contingent commission.  Because the amount of contingent commission earned on the sale of an individual policy during the year would be dependent on the producer’s future conduct over the course of the entire year, the amount that ultimately may be paid would be unknown at the time of sale. 

Additional Compensation

Compensation for Services—Chubb may enter into relationships with a producer whereby the producer provides additional services on behalf of Chubb.  In these instances, the producer may perform some underwriting or administrative services, such as policy issuance, for which additional compensation beyond standard commission, contingent commission, or GSC is appropriate.

Individual Producer Incentive Awards—Chubb may provide individual producers and customer service representatives employed by an agency with incentives for participating in sales contests.  These incentives may be in the form of cash or non-cash awards based on the number of policies written, number of quotes obtained, or other performance objectives established by us.

Marketing and Other Support—Chubb may provide certain producers with other benefits, including but not limited to items such as professional continuing education, training expenses, lead generation services, advertising assistance, sales and business meetings, and other services that help the producer promote Chubb and our products.

Interest on Premium Collected—It is common in the industry for producers who collect premium from insureds on behalf of insurers to deposit such premium in interest bearing trust accounts and retain any interest earned before remitting such funds to the insurer.  Chubb permits this practice, provided that the producer meets its contractual payment obligation to Chubb.  Further, the producer must comply with any applicable disclosure or other regulatory requirements associated with this practice.

Loans—Chubb may provide producers with loans which are interest free or which are carried by Chubb at a market or below market interest rate.  These loans are generally made available to key producers for agency support, acquisitions or system upgrades.  In some cases, Chubb may provide a producer with loan forgiveness in return for placing or retaining business with Chubb. 

Special Compensation Arrangements—Additional commission payments may be paid to producers where Chubb is provided with an opportunity to quote on all or a portion of a producer’s book of business, or where Chubb is placed in a group or list of preferred or strategic insurers to whom a producer will provide greater quoting or sales opportunities.  Commission also may be increased for business in certain lines and/or classes during defined promotional periods.

Producer-Owned Captives—Certain business written by Chubb underwriting companies may be reinsured by an entity in which the producer of the business has an ownership or other financial interest, known as a producer-owned captive.  These producers participate in the underwriting profitability or loss on such reinsured business.  Producer eligibility may vary by state.

Policyholder Services—Chubb may make available various policyholder services to certain producers with or without charge to the producer.  When a fee is charged to a producer for such services, it also may be waived based upon the producer meeting certain production or other performance objectives established by Chubb.  Fees charged for such services generally are offset against commissions payable to the producer and therefore result in a reduced commission being reported on policies issued through the producer.

Other Benefits—Chubb may provide producers with other benefits, including but not limited to meals, entertainment expenses, tickets to sporting events, travel, gifts, branded merchandise, and attendance at corporate-sponsored meetings, including transportation, accommodations and meals.

Endorsements—Chubb may pay compensation, including endorsement fees, royalty fees, and administrative services fees, to associations and other entities that endorse Chubb and promote the sale of Chubb products and services.

Other Important Information

This overview provides information about how Chubb U.S. insurers currently compensate their producers.  Because this is an overview, there are exceptions not addressed within the scope of this discussion.  If you would like additional information about a commission paid on your policy, please contact your producer.  Also, please check this website periodically for updated information on this subject.

*See a complete list of Chubb's insurers, including Chubb U.S. insurers, under Chubb Subsidiaries in the About Chubb section of this site.