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In an ever-connected world, it is important to be able to fill insurance needs at any time. Chubb’s ExpressSM 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


  • 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


  • 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 Occurence
      • $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

*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

Log in to the ExpressSM Umbrella Platform

Chubb appointed brokers can reserve, quote, bind and issue business, 24 hours a day, 7 days a week for over 400 classes of business, through our web-based proprietary platform.