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Many states mandate workers’ compensation insurance for employees who are injured while on the job. Occupational Accident Insurance provides an affordable alternative for employers who seek to reduce the costs and risks associated with job-related accidents. Where allowed by law, employers may choose to opt out of the state workers’ compensation program or self-fund all of, or a portion of, their own program.



Chubb Accident & Health offers employers a practical way to help protect their own financial security by insuring employees in the event of accidental occupational loss. Our occupational accident products are designed to provide flexible policy limits or to help employers protect their self-insured retention level from large occupational accident losses. We also offer broad coverage for independent contractors to help protect them from work-related accidents.


  • Combined Single Limits available from $100,000 to $500,000 for all benefits payable to an employee as the result of a single accident.
  • Accidental death and dismemberment benefits available up to $500,000 subject to 10 times annual salary.
  • Accident medical benefits available with deductibles from $250 to $2,500 and benefit maximums from $100,000 to $500,000 per covered employee.
  • Accident disability benefits up to $600 a week including work incentive benefits that pay the difference between part-time pay received by a recovering employee and 100% of pre-disability earnings.

Client Profile

U.S. companies with a minimum of two employees.

The Chubb Advantage

  • Innovation: Our entrepreneurial business philosophy and expert industry knowledge allow us to remain flexible in finding the right solution for our clients.
  • Global Protection: The Chubb global network can satisfy the insurance needs of companies operating worldwide.
  • Financial Strength: Consistently high ratings from A.M. Best and Standard & Poor’s are an indication that we are financially strong and able to meet our obligations to our customers.
  • Superior Solutions: We are dedicated, solutions-oriented professionals able to provide quick responses and expert handling of customer needs.

Find an independent agent near you.