- Individuals & Families
- Businesses
- Agents & Brokers
- Embedded Insurance
Because pets are family, Chubb now offers pet insurance with top-rated coverage from Healthy Paws.
Chubb offers the insurance protection you need for travel’s many “what ifs”.
Chubb protects small businesses at every stage – from newly formed start-ups to long-time anchors of the community.
Stay ahead of cyber threats with our free Cyber Claims Landscape Report.
Learn more about our dedicated learning paths, Online Learning Center, and more.
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.
Wildfire Discount Notice for Colorado
At Chubb, your safety and security are our top priorities
Pursuant to Colorado law, we are required to provide notice of any premium discounts, incentives, or other premium adjustments which are available to clients who undertake property-specific mitigation actions and the process for appealing the wildfire risk classification applied to your policy. Chubb supports and encourages clients to proactively take wildfire mitigation efforts to reduce their risk of fire damage to home and property. As such, Chubb has available discounts up to the percentage amounts identified below that apply to your wildfire premium for taking the following mitigation efforts. For Colorado homeowner’s insurance consumers, discounts are not offered or available for community-level mitigation efforts.
Vigilant, Pacific Indemnity, Great Northern and Federal
Non-combustible decks, balconies, porches, or exterior stairs. A discount of up to 5% is available to be applied to the calculated wildfire premium amount if the house is located in a high or very high wildfire classification zone and all house flooring and stair tread surfaces on all exterior attachments meet one of the following requirements:
- finished with concrete, slate, stone, tile or brick;
- non-combustible meeting the ASTM E-136 Standard Test; or
- class A flame spread rating.
Flame or ember resistant vents. A discount of up to 5% is available to be applied to the calculated wildfire premium amount if the house is located in a high or very high wildfire classification zone and all exterior vents and vent systems are flame or ember resistant.
Defensible space (superior). A discount of up to 10% is available to be applied to the calculated wildfire premium amount if the structure located in a high or very high wildfire classification zone and it meets defensible space guidelines of at least 500 feet horizontally in all directions. This discount is not applicable for a house with a wood shingle or wood shake roof. This discount is applied by the company.
Wildfire suppression system. A discount of up to 3% to 10% is available to be applied to the calculated wildfire premium amount if the house is protected from wildfire by a wildfire suppression system. The wildfire suppression system must meet the following requirements:
- the site and house meet or exceed all brush or wildfire guidelines for defensible space and loss mitigation construction characteristics;
- for systems using a fire retardant chemical, the fire retardant chemical must meet U.S. Department of Agriculture standards;
- the system is designed to contain sufficient pressurized retardant to coat all exterior wood products on the entire house (including roof, siding, eaves, decks and other combustible attachments) as well as the surrounding vegetation out to a horizontal distance of 150 feet; and
- the system must be installed by a licensed contractor in accordance with manufacturer’s specifications.
You, or your agent or broker on your behalf, have the right to appeal the wildfire classification and mitigation discount(s) applied to your policy to Chubb. If we receive an appeal from you, we will acknowledge the receipt of the appeal in writing within 10 calendar days and provide a decision within 30 calendar days of receiving your appeal. If the appeal is communicated by your independent agent or broker, we will acknowledge receipt of this appeal within 5 calendar days and provide a final decision to your representative within 30 calendar days of receipt of the appeal. If you do not agree with the outcome of your appeal, you have the right to contact the Colorado Division of Insurance (www.doi.colorado.gov; 800-930-3745).
Executive Risk Indemnity and Chubb National
Non-combustible decks, balconies, porches, or exterior stairs. A discount of up to 10% is available to be applied to the calculated wildfire premium amount if the house flooring and stair tread surfaces on all exterior attachments meet one of the following requirements:
- finished with concrete, slate, stone, tile or brick;
- non-combustible meeting the ASTM E-136 Standard Test; or
- class A flame spread rating.
Flame or ember resistant vents. A discount of up to 5% is available to be applied to the calculated wildfire premium amount if all house exterior vents and vent systems are flame or ember resistant.
Wildfire suppression system. A discount of up to 4% to 15% is available to be applied to the calculated wildfire premium amount if the house is protected from wildfire by a wildfire suppression system. The wildfire suppression system must meet the following requirements:
- the site and house meet or exceed all brush or wildfire guidelines for defensible space and loss mitigation construction characteristics;
- for systems using a fire retardant chemical, the fire retardant chemical must meet U.S. Department of Agriculture standards;
- the system is designed to contain sufficient pressurized retardant to coat all exterior wood products on the entire house (including roof, siding, eaves, decks and other combustible attachments) as well as the surrounding vegetation out to a horizontal distance of 150 feet; and
- the system must be installed by a licensed contractor in accordance with manufacturer’s specifications.
You, or your agent or broker on your behalf, have the right to appeal the wildfire classification and mitigation discount(s) applied to your policy to Chubb. If we receive an appeal from you, we will acknowledge the receipt of the appeal in writing within 10 calendar days and provide a decision within 30 calendar days of receiving your appeal. If the appeal is communicated by your independent agent or broker, we will acknowledge receipt of this appeal within 5 calendar days and provide a final decision to your representative within 30 calendar days of receipt of the appeal. If you do not agree with the outcome of your appeal, you have the right to contact the Colorado Division of Insurance (www.doi.colorado.gov; 800-930-3745).