Updated: October 30, 2025

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Key Takeaways
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Small businesses pay $118 monthly ($1,418 annually) for Chubb business insurance, placing tenth in our affordability rankings.

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Chubb ranks fifth for customer service quality, showing average performance in claims handling and support.

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With a fifth-place ranking for coverage options, Chubb provides standard policy choices that meet basic business needs.

Chubb Business Insurance Ratings

With a MoneyGeek score of 4.25, Chubb ranks last among national providers in our analysis of 10 carriers across 79 industries. Chubb has strong financial stability but is less affordable than other insurers. While Chubb provides competitive coverage options and customer service, business owners might find better value with other companies.

Overall Score4.2510
Financial Stability5.001
Customer Service4.355
Coverage4.605
Affordability3.9510

How Did We Determine These Scores?

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Industry
State

Chubb Business Insurance Ratings by Industry

Chubb offers competitive rates for various businesses, including automotive, bakery and window cleaning services. The company leads in coverage and financial stability and ranks high for customer service.

Data filtered by:
Select
Accountants4.307341
Ad Agency4.307341
Automotive4.406341
Auto Repair4.406341
Bakery4.306341
Barber4.506341
Beauty Salon4.407341
Bounce House4.306341
Candle4.407341
Cannabis4.306341
Catering4.506341
Cleaning4.305341
Coffee Shop4.306341
Computer Programming4.307341
Computer Repair4.405341
Construction4.406341
Consulting4.305341
Contractor4.306341
Courier4.307341
Daycare4.306341
Dental4.306341
DJ4.307341
Dog Grooming4.306341
Drone4.306341
Ecommerce4.305341
Electrical4.504341
Engineering4.307341
Excavation4.307341
Florist4.307341
Food4.308341
Food Truck4.506341
Funeral Home4.307341
Gardening4.405341
Handyman4.506341
Home-based4.307341
Home-based business4.307341
Hospitality4.406341
HVAC4.305341
Janitorial4.405341
Jewelry4.306341
Junk Removal4.306341
Lawn/Landscaping4.504341
Lawyers4.307341
Manufacturing4.307341
Marine4.306341
Massage4.406341
Mortgage Broker4.307341
Moving4.306341
Nonprofit4.307341
Painting4.305341
Party Rental4.307341
Personal Training4.304341
Pest Control4.307341
Pet4.307341
Pharmacy4.307341
Photography4.305341
Physical Therapy4.307341
Plumbing4.406341
Pressure Washing4.306341
Real Estate4.406341
Restaurant4.306341
Retail4.306341
Roofing4.306341
Security4.306341
Snack Bars4.306341
Software4.306341
Spa/Wellness4.306341
Speech Therapist4.307341
Startup4.308341
Tech/IT4.307341
Transportation4.306341
Travel4.306341
Tree Service4.407341
Trucking4.307341
Tutoring4.307341
Veterinary4.306341
Wedding Planning4.306341
Welding4.306341
Wholesale4.308341
Window Cleaning4.405341

How Did We Determine These Scores?

Chubb Business Insurance Ratings by State

Chubb provides insurance coverage across 47 states, with its strongest overall performance reaching eighth place in three markets. The company typically ranks ninth or tenth in most other locations.

Data filtered by:
Select
Alabama4.2610341
Arizona4.269341
Arkansas4.2610341
California4.2710341
Colorado4.279341
Connecticut4.279341
Delaware4.289341
Florida4.279341
Georgia4.269341
Idaho4.2710341
Illinois4.278341
Indiana4.289341
Iowa4.279341
Kansas4.2610341
Kentucky4.269341
Maine4.2710341
Maryland4.278341
Massachusetts4.2610341
Michigan4.279341
Minnesota4.2610341
Mississippi4.2710341
Missouri4.269341
Montana4.269341
Nebraska4.269341
Nevada4.279341
New Hampshire4.289341
New Jersey4.269341
New Mexico4.279341
New York4.2710341
North Carolina4.2710341
North Dakota4.289341
Ohio4.289341
Oklahoma4.269341
Oregon4.269341
Pennsylvania4.269341
Rhode Island4.279341
South Carolina4.2710341
South Dakota4.2610341
Tennessee4.2610341
Texas4.2610341
Utah4.269341
Vermont4.2610341
Virginia4.2610341
Washington4.279341
West Virginia4.269341
Wisconsin4.268341
Wyoming4.2710341

How Did We Determine These Scores?

How Much Does Chubb Business Insurance Cost?

You can get business insurance from Chubb for about $118 monthly ($1,418 annually). Prices for different coverage types start at $85 monthly for workers' compensation and go up to $178 for business owner's policies.

Business Owners Policies$178$2,136
General Liability$119$1,423
Professional Liability (E&O)$89$1,062
Workers Compensation$85$1,018

How Did We Determine These Rates?

How Much Does Chubb Business Insurance Cost by Industry?

The average cost of business insurance through Chubb varies, from $32 monthly for home-based businesses to $741 monthly for pressure washing services. Service businesses with physical customer contact and equipment typically pay more due to increased liability risks.

Data filtered by:
Select
Accountants$66$790
Ad Agency$39$472
Auto Repair$175$2,095
Automotive$93$1,121
Bakery$99$1,193
Barber$43$519
Beauty Salon$71$849
Bounce House$79$951
Candle$65$782
Cannabis$108$1,291
Catering$92$1,107
Cleaning$131$1,573
Coffee Shop$99$1,188
Computer Programming$55$663
Computer Repair$57$681
Construction$190$2,279
Consulting$57$680
Contractor$250$3,005
Courier$221$2,650
DJ$32$387
Daycare$60$719
Dental$37$441
Dog Grooming$83$993
Drone$52$620
Ecommerce$74$891
Electrical$114$1,370
Engineering$68$816
Excavation$409$4,909
Florist$59$703
Food$133$1,590
Food Truck$143$1,713
Funeral Home$78$933
Gardening$108$1,302
HVAC$230$2,758
Handyman$224$2,687
Home-based$32$379
Hospitality$92$1,108
Janitorial$138$1,653
Jewelry$46$549
Junk Removal$173$2,075
Lawn/Landscaping$103$1,238
Lawyers$75$903
Manufacturing$53$634
Marine$89$1,063
Massage$110$1,322
Mortgage Broker$71$847
Moving$192$2,308
Nonprofit$51$608
Painting$170$2,034
Party Rental$86$1,036
Personal Training$45$542
Pest Control$71$849
Pet$64$765
Pharmacy$63$751
Photography$40$480
Physical Therapy$51$615
Plumbing$293$3,514
Pressure Washing$741$8,891
Real Estate$86$1,029
Restaurant$155$1,860
Retail$76$910
Roofing$551$6,613
Security$156$1,875
Snack Bars$118$1,415
Software$51$611
Spa/Wellness$121$1,453
Speech Therapist$56$674
Startup$47$568
Tech/IT$53$638
Transportation$120$1,434
Travel$47$561
Tree Service$186$2,226
Trucking$188$2,257
Tutoring$38$460
Veterinary$73$873
Wedding Planning$47$561
Welding$176$2,108
Wholesale$62$746
Window Cleaning$191$2,294

How Did We Determine These Rates?

How Much Does Chubb Business Insurance Cost by State?

State regulations, natural disaster risks and local legal environments affect business insurance rates across the country. Chubb offers their cheapest business insurance in Maine at $102 per month, while business owners in Washington pay around $146 per month.

Data filtered by:
Select
Alabama$115$1,386
Arizona$111$1,336
Arkansas$113$1,354
California$131$1,573
Colorado$116$1,397
Connecticut$128$1,533
Delaware$127$1,520
Florida$127$1,528
Georgia$119$1,429
Idaho$111$1,337
Illinois$130$1,555
Indiana$115$1,377
Iowa$112$1,343
Kansas$115$1,376
Kentucky$110$1,319
Maine$102$1,220
Maryland$112$1,349
Massachusetts$124$1,484
Michigan$111$1,330
Minnesota$110$1,325
Mississippi$119$1,423
Missouri$116$1,396
Montana$117$1,403
Nebraska$112$1,344
Nevada$134$1,608
New Hampshire$117$1,405
New Jersey$133$1,601
New Mexico$118$1,422
New York$137$1,641
North Carolina$102$1,222
North Dakota$111$1,331
Ohio$119$1,432
Oklahoma$111$1,327
Oregon$109$1,314
Pennsylvania$136$1,634
Rhode Island$129$1,552
South Carolina$122$1,461
South Dakota$110$1,325
Tennessee$115$1,382
Texas$118$1,421
Utah$112$1,341
Vermont$113$1,354
Virginia$107$1,283
Washington$146$1,754
West Virginia$123$1,476
Wisconsin$116$1,386
Wyoming$119$1,422

How Did We Determine These Rates?

Chubb Business Insurance Customer Experience Ratings

We analyzed over 1,100 customer reviews to evaluate how Chubb compares to other insurers. The company ranks fourth nationally with a customer score of 4.2. Chubb is known for its customer service and efficient claims handling, though some customers note higher premiums and limited digital tools compared to competitors.

Affordability4.0010
Claims Process4.202
Customer Service4.402
Digital Experience3.909
Policy Management4.303
Recommend to Others4.306

Chubb Business Insurance Customer Reviews and Sentiment

Customer feedback for Chubb shows a mix of experiences depending on the type of coverage and customer profile. These reviews provide a look at how Chubb handles real business insurance situations when clients need support.

Official Website Reviews

No reviews for business insurance are available on Chubb’s official site.

Better Business Bureau (U.S.)

Reviews tend to be negative for slow claims resolution, difficulty reaching representatives and unresolved billing or policy issues. 

Trustpilot
Low overall satisfaction score. Common themes include unresponsive service, poor claim experiences, and disputes over settlement amounts. While not business-specific, these reviews suggest potential customer service concerns.
Reddit

Users often describe Chubb as having strong coverage and attentive service but premiums are higher than competitors.

Chubb’s customer sentiment is mixed: it lacks official business-insurance reviews, draws negative feedback on BBB and Trustpilot around claims delays and poor communication, yet earns recognition on Reddit for strong coverage and attentive service.

Chubb Business Insurance Industry Ratings

Independent ratings show how well Chubb handles customer needs when they file a claim. Industry assessments confirm its strong performance in customer service and claims processing.

    trustSeal icon
    J.D. Power Recognition for Claims Excellence

    Chubb ranked first in the 2025 U.S. Property Claims Satisfaction Study with a score of 773 out of 1,000. This indicates strong performance in property claims handling.

    trustSeal icon
    National Association of Insurance Commissioners (NAIC) Complaint Index Performance

    Chubb’s commercial property and liability complaint indices are well below the national average of 1.00, reflecting fewer formal complaints relative to its size.

    trustSeal icon
    Better Business Bureau (BBB) Status

    Chubb is not a BBB-accredited company.

These ratings suggest Chubb handles claims effectively and maintains a low volume of regulator-filed complaints, though BBB responsiveness scores leave room for improvement.

Chubb Business Insurance Financial Strength Ratings

Chubb holds strong financial strength ratings from all major U.S. rating agencies:

  • AM Best: A++ (Superior)
  • S&P: AA (Very Strong)
  • Moody’s: Aa2 (High Quality)

Chubb Business Insurance Coverage Options and Add-ons

Chubb offers a range of business insurance coverages, allowing businesses to choose protection to suit their needs.

Core

Combines general liability, commercial property and often business income coverage

Core

Covers bodily injury, property damage and advertising injury claims from third parties

Core

Protects buildings, equipment, inventory and other business property

Business Income
Core

Replaces lost revenue after a covered property damage event

Core

Pays for medical expenses and lost wages for employees injured on the job

Core

Covers liability and physical damage for business vehicles

Commercial Umbrella
Core

Provides additional liability protection above underlying policy limits

Cyber ERM / DigiTech ERM
Specialized

Covers data breaches, cyberattacks, business interruption and related cyber liability

Management & Professional Liability
Specialized

Includes directors and officers (D&O), employment practices liability (EPLI) and errors & omissions (E&O) coverage

Multinational / International Advantage
Specialized

Coordinates insurance for businesses with overseas operations

Industry-Specific BOP Enhancements
Specialized

Expands standard BOP terms for certain industries, such as life sciences or technology firms

Multinational Choice
Specialized
International business coverage for overseas operations
Home-Based Business
Specialized
Coverage for businesses operating from residential locations

Disclaimer

Coverage availability, eligibility, and pricing vary by state, industry, and business size. Certain products have specific underwriting criteria, and not all coverages are available for online quoting. Businesses should confirm availability during the application process.

Chubb Business Insurance: Bottom Line

Chubb's small business coverage averages $118 monthly, higher than many competitors. Customers like the company's efficient claims processing and responsive customer service teams. The digital tools and online self-service options lag behind other insurers.

Chubb Business Insurance Review Chart

Chubb Business Insurance: FAQ

Based on our analysis of Chubb business insurance offerings, these frequently asked questions cover essential information you need to know.

How much can I expect to pay for Chubb business insurance?

How much does Chubb business insurance cost by industry?

What industries does Chubb rank best for?

Which states offer the cheapest Chubb business insurance rates?

How does Chubb's customer service compare to other insurers?

How We Rated Chubb Business Insurance

Small business owners need clear facts when choosing insurance carriers like Chubb. Our analysis looks at the most important factors that affect your coverage and costs:

  • Affordability (50% of score): We compared Chubb's rates for all coverage types against nine other national carriers to find the best value for businesses.
  • Customer experience (30% of score): We analyzed J.D. Power scores, complaint records and agency feedback to see how well Chubb handles claims and customer service.
  • Coverage options (15% of score): We checked Chubb's insurance offerings, policy limits and extra coverage options to determine how well they match business needs.
  • Financial strength (5% of score): We reviewed financial ratings and stability reports to confirm Chubb can reliably pay claims.

Our research covered 79 industries and four types of coverage. We based quotes on a business with two employees, $300,000 in yearly revenue and $150,000 in payroll. These results show which business types might benefit from Chubb's coverage and which might want to look elsewhere.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.


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