Specialized Solutions
Chubb Commercial Insurance

Each industry faces its own challenges and risks. Specialized industries require innovative insurance solutions that a standard package policy is inadequate to protect. Chubb has tailored its hallmark Customarq package policy to address the special insurance needs of these industries:

Broadcasters

Energy

Information & Network Technology

Broadcasters

With 20 years of experience insuring the broadcast industry, Chubb has the know-how to offer specialized insurance to keep broadcasting operations up and running. The Customarq for Broadcasters package policy is tailored with protection for towers and antennas, mobile broadcasting equipment and special events. No wonder Customarq for Broadcasters is the package policy endorsed by the Broadcast Cable Financial Management Association (BCFM) for its members.

Highlights of special features for broadcasting companies:

Property − includes towers and antennas, mobile broadcasting equipment, media library and telephone equipment
Business Interruption − with an unlimited period of restoration
General Liability − includes broad “who is insured” provision
Special Events Liability − for promotional and charitable events

Additional Information

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Insurance for Broadcasters

Energy

Thousands of energy operations around the globe count on Chubb for innovative insurance products, exceptional service and unparalleled experience. From mining to petroleum to power, Chubb’s Customarq for Energy Industries package policies deliver specialized insurance solutions.

Highlights of special features for energy companies:

Customarq for the Mining Industry provides one integrated property policy that includes processing buildings, crushers, conveyers and haul trucks, drills and shovels, continuous miners, shops and offices. Liability protection includes subsidence, blasting and contractual liability.
Customarq for the Petroleum Industry offers protection for newly acquired wells and optional pollution insurance for gradual and sudden unexpected events.
Customarq for the Power Industry offers all-risk property protection that includes turbines, boilers, transformers, powerhouses, conveyors, shops and offices. A failure to supply power liability coverage extension is also available.

Additional Information

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Customarq for Energy Industries

Information & Network Technology

For more than 20 years, Chubb’s products for Information & Network Technology companies have kept pace with this complex and rapidly changing industry. Our technology specialists have helped these companies build a portfolio of property and liability products, including errors & omissions and intellectual property insurance. Chubb insures a wide range of companies from hardware to software to service companies.

Highlights of special features for information and network technology companies:

Property − includes perils such as water damage to EDP and Research & Development (R&D) property, change in temperature or humidity, and impairment of computer services/malicious programming
Business Income − includes extra expense, R&D income and worldwide dependent business premises
General Liability − includes worldwide coverage territory, separate advertising/personal injury aggregate limit, advertising injury definition includes infringement of a registered trademark in an advertisement

Additional Information

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Law Firms

Chubb provides tailored insurance solutions to more than 90 percent of the top 200 law firms listed in The American Lawyer magazine's "Am Law 200". State-of-the-art insurance protection, combined with Chubb’s exemplary claim service and financial strength, make Customarq for Law Firms the package product of choice for the legal profession.

Highlights of special features for law firms:

Property − includes $500,000 automatic blanket limit for 12 property coverages, impairment of computer services contract and limits for property at any other location, in transit and at newly acquired premises.
Broad all-risk property/income perils − includes boiler and machinery, water damage and earth movement
Business Income − considers revenue based on billable hours, fees for services or other sources of income
General Liability − offers protection for nonprofessional services and activities

Additional Information

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Customarq for Law Firms

Life Sciences

Since 1995, Chubb has had a dedicated team of underwriting, loss control and claim staff focused exclusively on this fast-paced industry. Our innovative approach, breadth of products and expertise has earned recognition by the Biotechnology Industry Organization (BIO) as its Business Solutions Partner for property, general liability including products liability and clinical trial liability, and errors & omissions liability insurance. Customarq is further tailored to respond to the individual needs of the pharmaceutical industry, medical device companies and healthcare product service organizations.

Highlights of special features for life sciences companies:

Property − includes Research & Development property, contamination, and change in controlled environment protection
Business Income − includes operational restoration, extra expense, dependent business premises and Research & Development income
General Liability − includes a hybrid contract offering a dual trigger, customized human clinical trial reporting conditions, and product withdrawal and crisis management expense
Errors & Omissions − includes oral and written contractual liability, financial compensation to a third party, and exceptions to common E&O exclusions

Additional Information

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Breakthrough in Life Sciences

Metalworkers

Chubb knows the ins and outs of metalworking operations, from the machining of hand tools to manufacturing industrial drilling machines. Customarq for Metalworkers package policy offers broad, flexible protection for the risks faced by metalworkers.

Highlights of special features for metalworking companies:

Broad all-risk property/income perils − includes water damage, electric arcing, marring and scratching
Valuation − includes selling price on finished stock, custom duties, extended warranties and ordinance or law
Business Income − includes unlimited period of indemnity, worldwide dependent business income, and loss of utilities
Personal Property − includes patterns, molds and dies
Boiler & Machinery − automatically included
General Liability − includes vendors, lessors of premises, lessors of leased equipment and newly acquired organizations as insureds
Errors & Omissions - this option provides defense and indemnity for claims alleging economic damages arising out of a negligent act, error or omission

Museums & Cultural Institutions

Chubb’s Customarq for Museums & Cultural Institutions package policy is the product of choice for leading institutions, from art museums and libraries to zoos and aquariums. We understand that works of art, cultural treasures and unique natural specimens must be thoughtfully and responsibly insured. Our Customarq for Museums & Cultural Institutions package policy builds in tremendous flexibility, worldwide protection and an array of features not found in standard policies.

Highlights of special features for museums and cultural institutions:

Property − includes mechanical breakdown protection, broad replacement provisions for historical buildings and flexibility in valuation for collections
Business Income − provides unlimited period of restoration
EDP Media − includes cost to recreate information
General Liability − includes a broad “who is insured” provision
Innocent Misrepresentation Liability − this option protects the institution from negligent acts, errors or omissions of curators

Additional Information

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Insurance for Museums & Cultural Institutions

Wineries

Chubb knows the factors that can make or break a winery. Today’s vintners run increasingly sophisticated operations and face more complex risks as they develop and deliver their product. We understand that fine wines, and their wineries, must be thoughtfully and responsibly insured. That is why 10 out of the top 15 wineries in the United States trust Chubb to handle their insurance needs.

Highlights of special features for wineries:

Property − includes wine leakage, pollutant removal, loss of mobile agricultural equipment and business income insurance
Valuation − includes several options to replace wines, from crush to final distribution
Business Income − includes unlimited period of restoration, loss caused by computer viruses, loss of utilities, extra expense and dependent business premises
General Liability − includes personal and business liability exposures, as well as third party damage to adjacent properties from wind drift or direct overspray

Additional Information

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Customarq for Wineries

Insurance for Wineries

For more information about Chubb’s Customarq Classic package policy, contact your insurance agent or broker, or write to cci-marketing@chubb.com.

Specialized SolutionsChubb Commercial Insurance

Specialized Solutions
Chubb Commercial Insurance