Business Structure

Chubb’s insurance businesses in North America serve clients ranging from the largest multinationals, mid-size companies and small businesses to high net worth individuals, middle-income consumers and farmers. The company’s business units in North America are:

Major Accounts

Commercial Property and Casualty (P&C) insurance products for the large corporate market sold by retail brokers

Commercial Insurance

Commercial P&C insurance products for middle market companies sold by independent agents and retail brokers

Small Commercial

P&C insurance products for small commercial clients sold by independent agents and retail brokers

Personal Risk Services

Personal lines coverage, including home, auto, valuables, umbrella and recreational marine insurance, for high net worth individuals and families sold by independent agents

Westchester

Commercial P&C excess and surplus lines sold through wholesale brokers

Chubb Bermuda

Liability, property, political risk coverages and captive programs sold by large international brokers

Agriculture

Crop insurance from Rain and Hail and farm and other P&C coverages, sold by agents and brokers

Combined Insurance

Personal accident and supplemental health insurance coverages sold by captive agents

Chubb’s international general insurance operations comprise two major businesses: one with distribution through retail brokers in five regions of the world and the other an excess and surplus (E&S) lines business with distribution through brokers in the London wholesale market and Lloyd’s. The company’s business units are:

International

Commercial P&C, Accident and Health (A&H) and traditional and specialty personal lines sold by retail brokers, agents and other channels in five regions:

• Europe

Operations in the U.K. and 18 other countries comprised of P&C commercial lines and consumer lines, including A&H and specialty personal lines

• Asia Pacific

Operations in 14 countries — six with both life and non-life operations — serving commercial customers and consumers with P&C, A&H and personal lines

• Latin America

Operations in nine nations serving commercial customers with P&C products and consumers through A&H and personal lines

• Far East

Operations in Japan serving commercial customers with P&C products and consumers through A&H and personal lines

• Eurasia and Africa

Operations in nine countries serving commercial customers with P&C products and consumers through A&H and personal lines

Chubb Global Markets

Commercial P&C excess and surplus lines and A&H sold by wholesale brokers in the London market and through Lloyd’s

Global Reinsurance

Marketing its coverage worldwide under the Chubb Tempest Re brand, the businesses of Global Reinsurance provide a broad range of property and casualty reinsurance products to a diverse array of primary insurers

Life Insurance

Chubb Life provides traditional life insurance protection and savings products to meet the needs of individuals and groups primarily in Asia and Latin America.