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Alternative Risk Solutions

If you have unique or complex risks not adequately addressed by traditional insurance, you can get cost-effective, customized insurance and reinsurance solutions with Chubb.

Coverage Highlights


  • Collateral Replacement Product: Offers prospective and existing clients an alternative solution to traditional Letter of Credit requirements. Aggregate loss protection is also available. 
  • Loss Portfolio Transfers (LPTs) and Close-Outs: Offers solutions to insureds seeking alternatives to expensive or burdensome collateral requirements, as well as close-out options for existing clients and clients seeking to escape ongoing self-insured or deductible liabilities.
  • Novations: Chubb can underwrite and “step in the shoes” of an original insurer in order to provide insureds with the financial security and stability they require for ongoing claims liabilities. Novations can be an alternative for insureds that have policies issued by financially troubled, undercapitalized, or exiting commercial carriers.
  • Structured Risk Products: Offers client-specific insurance products for large organizations facing a wide spectrum of risk management challenges, including difficult to insure exposures. Customized programs are designed to provide substantial capacity over a broad range of coverages. Structures can also be designed to meet the needs of clients who are willing to retain their exposure but have a need for AA rated paper, typically due to complex regulatory or rating agency requirements. These programs may involve reinsurance from a captive or matching deductibles. Coverages include, but are not limited to: environmental cost caps, professional and management liability, general liability, auto liability and workers’ compensation. Warranty exposures are frequently considered for fronted structures.

Learn More Chubb Alternative Risk Solutions (CARS)


Brian Ancharski
(215) 640-1285

Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers.

Chubb is a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs approximately 40,000 people worldwide. Additional information can be found at: