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When faced with a wide spectrum of risks that need excess capacity coverage to help protect against future potential catastrophic loss, Chubb specializes in offering Lead Umbrella and Excess Liability Insurance for large U.S. and Canadian-based companies that require tailored, innovative coverage solutions.


Coverage Highlights


  • Lead or Excess placements
  • $25M limits available (with option to ventilate)
  • Auto Liability: $2M CSL $10M Transportation Risks
  • Catastrophe Management
  • Foreign Local Admitted Policies

Account Characteristics

Our customers are generally defined by the following account characteristics and buying habits:

  • Significant client interaction expected as part of the underwriting, claims adjustment and service proposition
  • Employ a risk manager or risk management program that is run by corporate finance or general counsel
  • Retain significant risk via high deductibles, self-insured retentions and cash flow programs
  • Use multiple broker advisors (i.e. separate property, casualty, professional lines coverages)
  • Buy tailored products typically on a global basis
  • Require significant capacity by product provided by multiple carriers
  • Generally have revenue of $1B and greater

Minimum Premium

  • $100,000 per Policy unless on an excess basis

Minimum Underlying Requirements

  • General liability: $2M per Occurrence/$4M General Aggregate/$4M Products Aggregate
  • Auto liability: $2M CSL/$10M Transportation Risks
  • Employers liability: $1M

Available coverage enhancements

  • Local Admitted Policies in Foreign Countries where required
  • Cat Management 2.5SM
  • Most Favorable Jurisdiction
  • Third Party Discrimination
  • Specialty Suite CoveragesSM for Real Estate, Hospitality & Restaurant Risks


  • Chubb Financial Stability
  • Specialized Claims and Risk Control Expertise
  • Underwriting Specialists in Excess Casualty with ability to place local, non-admitted policies in foreign countries and provide the Foreign Liability Indemnification Endorsement for any gaps in coverage
  • Contract Certainty
  • 30-Day Policy Issuance
  • Building and Sustaining Long Term Partnerships
  • Tailored Programs
  • Cat Management 2.5SM: the first-of-its kind coverage specifically designed to supplement Chubb’s already expansive Catastrophe Management coverage through offering additional limits to eligible insureds
  • Synergy for clients who choose to purchase ESIS Claims Services, the Chubb’s industry-leading global risk management services provider
  • Coordination with other Chubb supported programs such as Chubb Global Casualty and Real Estate and Hospitality Industry Practice

Target Client

  • Financial institutions
  • Hospitality risks
  • Light manufacturing
  • Real estate portfolio
  • Pharmaceuticals (if excluding products)
  • Retail operations
  • Wholesale distributors

Restricted Industries:

  • Aviation products
  • Asbestos products
  • Invasive medical products
  • Nursing homes/HPL
  • Pharmaceuticals (if including products)
  • Professional liability

Product & Service Offerings