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- Embedded Insurance
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Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Chubb’s in-house technology makes it easy to integrate what we do into your customer experience.
Chubb Express℠ Umbrella Online Platform
- Umbrella insurance through a web-based platform
- 24 hours a day, 7 days a week for over 400 classes of business
- Rapid referral response
In an ever-connected world, it is important to be able to fill insurance needs at any time. Chubb’s Express℠ Umbrella online platform is a proprietary web-based portal designed for use by appointed brokers to reserve, quote, bind and issue business at any time. The tool can help develop homogeneous books of business and broker specialties.
Coverage Platform Highlights
Benefits
- Multiple quote options with incremental limits and commission
- Admitted coverage (all states except Alaska, Louisiana and Vermont), even if one or more underlying policies are non-admitted
- For submissions requiring underwriter review, dedicated experienced referral underwriters with authority to quote an additional 500 classes of business
- Rapid referral response (24 hours voice/email response, 48 hours for referrals, 15 days for endorsement processing)
- Agency Bill or Direct Bill options available at binding
- Flexibility in scheduling different types of underlying policies (Ex. Liquor Legal Liability, Garage Keepers, Personal Umbrella, etc.)
- Streamlined loss information requirements (only large losses and significant aggregate years)
- Ability to accept or reject Terrorism – TRIA (TRIPRA) coverage upon binding
Coverage
- Chubb Catastrophe Management insurance with annual limits up to $250,000 on all policies
Minimums & Limits
- Minimum premium $500 per million (excluding Terrorism - TRIA (TRIPRA). Different minimums may apply to specialty classes
- Limits: $10 million available directly to producers
- AM Best A-VI minimum rating for underlying insurers
- Minimum Attachment Points
- General liability*
- $1,000,000 Per Occurrence
- $2,000,000 General Aggregate
- $1,000,000 Products-Completed Operations Aggregate
- $1,000,000 Personal and Advertising Injury
- Employee Benefits Liability:* $1,000,000 Each Occurrence/$1,000,000 General Aggregate
- Auto liability:* $1,000,000 CSL
- Employers liability:* $500,000/$500,000/$500,000
- Liquor Liability:
- $1,000,000 Each Common Cause or Each Occurrence/$1,000,000 General Aggregate
- General liability*
*including Foreign on a DIC/DIL basis
Target Client
All Standard Classes of Business:
- Commercial Real Estate
- Manufacturing (Low to Medium Hazard)
- Restaurants
- Retail Trade
- Wholesale Trade
- Service Industry
- Bowling Centers
- Financial Institutions
- Golf Courses
Restricted Classes & Industries
- Aviation products
- Contractors
- Energy (including fuel oil dealers)
- Healthcare
- Trucking and Transportation
- Pharmaceuticals & Nutriceuticals
- Professional liability
- Nursing Homes/HPL
News & Training
Latest Enhancements
User Guide
Helpful Navigation Tips
Product FAQs
Contact Us
Appointments & Applications
- Not appointed but still need a quote?
- Get appointed with Express Umbrella
- Guidelines & Applications
- Policy Specimen & Endorsements
- Documentation & Audit Requirements
- Endorsements & Other Requests
- Service Commitment