Chubb Commercial Umbrella

Prepare your business for a focused market review

Request a review of Chubb commercial umbrella options for your business. Provide the primary carriers, policy limits, business class and requested additional protection; eligibility and final terms are determined by underwriting.

Match additional limits to the contracts you accept

Construction agreements and customer contracts may require specific limits, additional insured wording or completed-operations protection. Supply the actual insurance exhibit so the producer can compare it with both the primary policy and the proposed umbrella or excess form.

• Describe your work, project types and subcontractors.
• Identify each legal entity requesting coverage.
• Confirm endorsements rather than relying on a certificate alone.

Account for commercial auto and fleet exposures

An umbrella should not be assumed to cover every vehicle or driving activity. Show the primary auto carrier, covered operations, limits and any excluded drivers, then describe fleet size, radius, passengers or cargo.

• Review hired and non-owned auto where applicable.
• Confirm the required underlying auto limit.
• Disclose passenger-for-hire and hazardous cargo operations.

Connect premises, property management and entity details

Serious liability claims can arise from public areas, maintenance work or an operation at one of several locations. Identify owners, managers, tenants and other entities that need protection, then review how limits and aggregates apply across the schedule.

• Include all locations, units and significant amenities.
• Separate liability limits from building replacement values.
• Review named insured and additional insured requirements.

Look closely at products and completed-work exposures

For manufacturers, distributors and contractors, the potential liability may continue after a product is delivered or a job is complete. Describe end uses, distribution and work performed so exclusions and any products-completed operations aggregate can be reviewed.

• Disclose imports, exports and subcontracted production.
• Explain quality controls and known incidents.
• Do not assume recall, professional or pollution cover is included.

Build a clear underlying insurance schedule

Step 2 asks for each underlying carrier, coverage type, occurrence or accident limit, aggregate and policy dates. Those details help identify the attachment point and possible gaps. An umbrella is not an automatic substitute for a missing or excluded primary policy.

• Request the limit and effective date you need.
• Attach declarations, loss runs and contracts if available.
• Review exclusions, retentions and defense costs before binding.

Start your umbrella and excess quote

Carrier availability, attachment requirements and policy terms vary by state and risk.