Chubb Limited
chubb.comWhat Do They Do?
Provides commercial property and casualty insurance to businesses, from small firms to multinational corporations. Also sells personal insurance to individuals and families, plus life and accident-and-health coverage and reinsurance.
10-K for FY2025, filed Feb 27, 2026With operations in 54 countries and territories, Chubb provides commercial and consumer P&C insurance, A&H, reinsurance, and life insurance…View ↗
Our product and geographic diversification differentiate us from the vast majority of our competitors and has been a source of stability…View ↗
The North America Commercial P&C Insurance segment comprises operations that provide P&C and A&H insurance and services to large, middle…View ↗
The North America Personal P&C Insurance segment includes the business written by Chubb Personal Risk Services division (PRS), which…View ↗
The Global Reinsurance segment represents Chubb's reinsurance operations comprising Chubb Tempest Re Bermuda, Chubb Tempest Re USA, Chubb…View ↗
How Do They Make Money?
Policyholders pay premiums for property-and-casualty insurance, with premiums spread across the policy period. Insurers also pay for reinsurance coverage, while some long-duration life and accident-and-health premiums are due from policyholders as scheduled.
10-K for FY2025, filed Feb 27, 2026Premiums are generally recorded as written upon inception of the policy. For multi-year policies for which premiums written are payable in…View ↗
For property and casualty (P&C) insurance and reinsurance products, premiums written are primarily earned on a pro-rata basis over the…View ↗
Premiums from long-duration contracts such as certain traditional term life, whole life, endowment, and long-duration personal accident and…View ↗
Reinsurance premiums assumed are based on information provided by ceding companies supplemented by our own estimates of premium when we…View ↗
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10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by reportable segment (Underwriting Income (Loss)) ↗
$59.4B
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10-K for FY2025, filed Feb 27, 2026
$59.4B ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
North America Commercial P&C Insurance
Recurring
10-K for FY2025, filed Feb 27, 2026 |
58%
FY2022: 60%
|
North America Commercial P&C Insurance, FY2025
$3.8B Sources
|
Recurring |
|
North America Personal P&C Insurance
Recurring
|
8.8%
FY2022: 7.6%
|
North America Personal P&C Insurance, FY2025
$573M Sources
|
Recurring |
|
North America Agricultural Insurance
Recurring
|
7.9%
FY2022: 1.0%
|
North America Agricultural Insurance, FY2025
$517M Sources
|
Recurring |
|
Overseas General Insurance
Recurring
10-K for FY2025, filed Feb 27, 2026 |
33%
FY2022: 17%
|
Overseas General Insurance, FY2025
$2.2B Sources
|
Recurring |
|
Global Reinsurance
Recurring
|
4.3%
FY2022: 7.5%
|
Global Reinsurance, FY2025
$280M Sources
|
Recurring |
|
Corporate and Other
|
−12%
FY2022: 0.0%
|
Corporate and Other, FY2025
−$781M Sources
|
Who Are Their Customers?
Businesses and affluent individuals typically buy through brokers or agents, with some small-business insurance also available through digital platforms. Insurers access Chubb's reinsurance mainly through reinsurance brokers.
10-K for FY2025, filed Feb 27, 2026Our product and geographic diversification differentiate us from the vast majority of our competitors and has been a source of stability…View ↗
Commercial Insurance products and services offered to our upper middle market customers include traditional P&C lines of business…View ↗
Chubb PRS offers comprehensive personal insurance products and services to meet the evolving needs of high-net-worth families and…View ↗
The Global Reinsurance segment represents Chubb's reinsurance operations comprising Chubb Tempest Re Bermuda, Chubb Tempest Re USA, Chubb…View ↗
Global Reinsurance services clients globally through its major units. Major international brokers submit business to one or more of these…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 17 cents of every revenue dollar as net income in FY2025.
10-K for FY2025, filed Feb 27, 2026
10-K for FY2025, filed Feb 27, 2026
$10.3BView ↗
How Are They Changing?
10-Q for Q2 FY2026, filed Jul 28, 2026
Open tableView ↗
Growing. Revenue grew 45% in 4 years, from $40.9B in FY2021 to $59.4B in FY2025, about 10% a year.
Pet insurance
Westchester's specialty offerings expanded to include pet insurance through its acquisition of Healthy Paws.
10-K for FY2022, filed Feb 24, 2023 10-K for FY2025, filed Feb 27, 2026The North America Commercial P&C Insurance segment comprises operations that provide P&C and A&H insurance and services to large, middle…View ↗
Westchester is our wholesale and specialty division that serves the market for business risks that tend to be hard to place or not easily…View ↗
Thai insurance business
Chubb added a Thai insurer offering consumer and commercial property and casualty products through its acquisition of LMG Insurance.
10-K for FY2022, filed Feb 24, 2023 10-K for FY2025, filed Feb 27, 2026With operations in 54 countries and territories, Chubb provides commercial and consumer P&C insurance, A&H, reinsurance, and life insurance…View ↗
The Overseas General Insurance segment comprises our retail division Chubb International, which includes Huatai Property & Casualty…View ↗
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