Business Structure

North America Insurance

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 successful 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

Overseas General Insurance
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 and territories — 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 Loyd’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.