LinesBOP, GL, WC, Umbrella, Commercial auto, Cyber, Professional liability
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Professional services | BOP | Most states | Strong appetite across BOP and GL, workers' comp, umbrella and auto for lawyers, architects and engineers, advertising and PR, business consultants, veterinarians, photographers and real estate agents. Chubb says quote rates exceed 80% where appetite is strong. Appetite differs in CA, FL and NY (2024 Chubb Small Business Appetite Guide). |
| Professional services | Professional liability | Most states | E&O is flagged for advertising and PR, business consultants, photographers, website design, event planners, printers and publishers, and professional and trade associations. MPL Express on Marketplace gives bindable miscellaneous professional liability quotes for 60 professional classes with revenue up to $35M, with optional cyber and media on a shared limit (2024 Chubb Small Business Appetite Guide; Chubb Marketplace page, 2026). |
| Healthcare | Cyber | Most states | Medical and dental offices and life sciences R&D are strong for cyber, BOP and GL, WC, umbrella and auto. Life sciences manufacturing is qualified (each risk on its merits) for BOP but strong for cyber. Cyber and umbrella are one-click cross-sells on Marketplace (2024 Chubb Small Business Appetite Guide). |
| Retail | BOP | Most states | Strong for clothing and jewelry stores, bakeries and coffee shops, pharmacies and florists. Furniture and electronics stores are qualified. Grocery, liquor and cell phone stores are limited or no appetite for BOP, though cyber stays strong for all retail classes (2024 Chubb Small Business Appetite Guide). |
| Restaurants | BOP | Most states | Sandwich shops are strong for BOP and auto, qualified for WC and umbrella. Casual and fine dining is qualified for BOP, WC and umbrella. Fast food is limited or no appetite for BOP, WC, umbrella and auto (2024 Chubb Small Business Appetite Guide). |
| Contractors | Commercial auto | Most states | Commercial janitorial, carpentry, HVAC and plumbing, interior painting and electrical, and landscaping contractors are strong for auto and cyber, but qualified (each risk on its merits) for BOP and WC. Umbrella is qualified for carpentry, HVAC, plumbing, painting and electrical. Chubb's auto policy offers PIP and UM/UIM limits up to $1M (2024 Chubb Small Business Appetite Guide; Chubb Small Business flyer, 2024). |
| Manufacturing | Umbrella | Most states | Food, textile and apparel, metal, machinery and equipment, technology, and furniture, wood and plastics manufacturers are strong for umbrella, BOP and GL, auto and cyber. WC is qualified for food, textile and apparel (2024 Chubb Small Business Appetite Guide). |
| Wholesale | Umbrella | Most states | Wholesalers of food, textile and apparel, new auto parts and hardware, electrical equipment and janitorial supply are strong for umbrella, auto and cyber. WC is qualified for all four, and BOP is qualified for food, electrical and janitorial supply wholesalers (2024 Chubb Small Business Appetite Guide). |
| Real estate | BOP | Most states | Lessor's risk only and commercial condo and homeowner associations are strong for BOP, umbrella, auto and cyber. WC is limited or no appetite for LROs. Chubb's BOP covers more than 1,000 classes, and BOP Express Quote handles nearly 400 of them (2024 Chubb Small Business Appetite Guide; Chubb Marketplace page, 2026). |
How to quote Chubb
→Carrier portal. Quote directly in the Chubb agent portal.
→Bold Penguin. Agencies short on appointments needing market access.
→Semsee. Agencies quoting several small-commercial lines.
→Tarmika Bridge. Applied Epic or EZLynx agencies quoting BOP and WC.
Getting appointed
Chubb's Work with Chubb page has an online application to become a directly appointed Chubb agent, with an assigned agency support team and access to 200+ personal and commercial products.