Umbrella Liability

For more than 30 years, Chubb has helped companies protect their assets with Umbrella Liability insurance. Chubb is one of only a few insurance companies that offers a flexible platform to help protect against catastrophic losses.

The Better Umbrella is Now Even Better

Peace of mind. When a company experiences a crisis, it wants expert advice on how to respond. Learn more about Chubb’s
Excess Umbrella Crisis Assistance.

The Chubb Umbrella policy features two separate insuring agreements: Coverage A — Excess Follow Form and Coverage B — Umbrella Liability.

Coverage A — Excess Follow Form Insurance offers these key benefits:

Reduction of potential gaps in insurance protection by adopting the provisions of a company’s scheduled primary policies
Vertical continuity with primary coverages (with few exceptions)
Greater flexibility in adapting to various or unique primary insurance policies, such as miscellaneous professional liability insurance, errors and omissions, and aviation, marine or liquor liability
Loss payments are made on behalf of the insured
Duty to defend suits on behalf of the insured after underlying limits are eroded

Coverage B — Umbrella Liability Insurance offers these key benefits:

Broadened protection to help close or eliminate gaps in a company’s primary insurance program
Protection when no underlying insurance applies
Coverage territory is “anywhere” worldwide and is supported by Chubb’s worldwide office network
Loss payments are made on behalf of the insured
No self-insured retention

Chubb's umbrella policy offers top-quality insurance protection. We have the flexibility to write Umbrella policies over an existing primary program, whether or not it is placed with Chubb. This affords the flexibility to create the right insurance program for any situation.

In addition to writing over other carriers, our Umbrella policy is part of our suite of integrated liability products — including Chubb's hallmark Customarq General Liability, Reputation Injury and Communications Liability, and Errors & Omissions Liability contracts.

Service and Strength

At Chubb, we deliver more than solid insurance products. We support our customers through our renowned services, extensive global network and financial strength.

Chubb's reputation for outstanding service is built on a consistent track record of performance by its global network of loss control and claim professionals. Our loss control and risk consulting professionals are experienced in making risk assessments and proposing practical remediation to help mitigate or prevent losses. Should a loss occur, our exceptional claim service is available anytime/anywhere in more than 140 languages through a toll-free number or via the Internet.

Our financial strength continues to earn high ratings from A.M. Best, Standard & Poor’s and Moody’s, leading evaluators of insurance companies. Financial strength, combined with our underwriting expertise and claim service, means you can count on Chubb to be there when you need us most.

Additional Information

Learn more about:

Chubb's products - Please contact your insurance agent or broker; use our Find an Agent tool to locate an agent or broker near you.
Claims - Please go to Chubb's Claims Services.
Chubb's press releases, awards, advertising and more - Please go to About Chubb.