Chubb is a global insurance group tracked by InsureSouk for its relevance to commercial property and casualty insurance, personal insurance, accident and health, reinsurance, and life insurance.
Company intelligence
Reported scale
FY2025
- Gross premiums: USD 66 billion
- Net premiums: USD 54.8 billion
- Core operating income: just under USD 10 billion
- Scale indicators: approximately 45,000 employees; operations in 54 countries and territories
Capital & solvency
FY2025
- P&C underwriting income: USD 6.5 billion
- Adjusted net investment income: almost USD 7 billion
- Year-end reserves: USD 68 billion
- P&C combined ratio: 85.7%
Ratings / financial strength
Official ratings reference reviewed 2026-06-17
- Ratings reference: Chubb investor relations maintains a dedicated ratings page for agency rating review
- Financial-strength context: 2025 shareholder letter reports year-end reserves of USD 68 billion
- Underwriting context: 2025 P&C combined ratio reported at 85.7%
Investment portfolio
FY2025
- Adjusted net investment income: almost USD 7 billion
- Coverage level: group-level income context from the shareholder letter
- No security-level holdings are displayed
Capital structure
FY2025
- Year-end reserves: USD 68 billion
- Core operating income: just under USD 10 billion
- P&C underwriting income: USD 6.5 billion
- Coverage level: group-level shareholder-letter disclosures
Reinsurance / risk transfer
FY2025
- Public business-line context includes commercial and personal property and casualty, accident and health, reinsurance, and life insurance
- 2025 shareholder letter reports commercial operations represented 60% of the company and consumer operations represented 40%
- Coverage level: public group-level risk-transfer context; no non-public program details are displayed
Claims / underwriting performance
FY2025
- P&C underwriting income: USD 6.5 billion
- P&C combined ratio: 85.7%
- Year-end reserves: USD 68 billion
- Life income: USD 1.2 billion
Business mix
FY2025
- Commercial operations represented 60% of the company
- Consumer operations represented 40% of the company
- Commercial P&C, personal P&C, accident and health, reinsurance, and life insurance
Listed securities
Reference identifiers
- Ticker / identifier: NYSE: CB
- Exchange: New York Stock Exchange
- ISIN: CH0044328745
- Investor relations: Chubb stock information page
Source / update note
- Basis: official company profile, shareholder letter, ratings page, investment/capital references, risk-transfer references, claims/underwriting references, annual reports page, and listed-company pages
- Market-data scope: no live quote values are stored or displayed
Source-reviewed company references
Chubb annual reports source path
Chubb's annual reports page is the official investor-relations source path for annual-report materials.
Why it matters: The source path gives editors the right company-controlled archive before adding additional Chubb annual-report claims.
Reviewed as an official Chubb investor-relations source path. This card records source availability and review scope only; it does not add new annual-report figures.
Use Chubb's own reporting definitions before comparing premium, underwriting, reserve, or income measures with other insurers.
Chubb ratings source path
Chubb's ratings page is the official investor-relations source path for rating-agency reference metadata.
Why it matters: The source path supports ratings context without relying on scraped or restricted third-party rating tables.
Reviewed as an official Chubb source path. This reference does not reproduce agency rating values or provide rating advice.
Ratings are reference metadata only and should not be treated as investment advice, insurance advice, a recommendation, or a live monitoring claim.
Chubb FY2025 shareholder letter reference
Chubb's 2025 shareholder letter provides official public context for the group's reported premium scale, underwriting income, investment income, reserves, and business mix.
Why it matters: The letter is a primary company source for understanding Chubb's reported group size and underwriting context.
Use Chubb's own annual reporting basis before comparing figures with other insurers.
Chubb FY2025 underwriting performance reference
Chubb's 2025 shareholder letter gives the official public reference for selected underwriting performance indicators, including the P&C combined ratio.
Why it matters: Underwriting performance is central to reading Chubb as a global property and casualty carrier.
Combined-ratio comparisons should account for business mix, geography, and company definitions.
Full company reference archive
View the complete source-reviewed company reference archive, including reporting periods, source dates, reviewed dates, methodology notes, reader cautions, and official source links.
Business Overview
Chubb describes itself as a world leader in insurance. Its official materials say the company operates in 54 countries and territories and provides insurance to a diverse group of clients.
The company provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance. Its investor materials emphasize underwriting, claims handling, risk management, distribution capability, and local operations across a global footprint.
Chubb Limited is listed on the New York Stock Exchange under the ticker symbol CB and is a component of the S&P 500 index.
Reported Scale and Financial Snapshot
Chubb's 2025 shareholder letter reported gross premiums of USD 66 billion and net premiums of USD 54.8 billion for 2025. The same letter reported P&C underwriting income of USD 6.5 billion, adjusted net investment income of almost USD 7 billion, life income of USD 1.2 billion, and record core operating income just under USD 10 billion.
For underwriting context, Chubb reported an 85.7% property and casualty combined ratio for 2025. Its 2025 letter also cited approximately 45,000 employees, more than 1,150 offices, and operations in 54 countries and territories.
Operating Segments / Business Lines
For insurance-market reference work, Chubb is most relevant across several connected areas:
- Commercial property and casualty insurance.
- Personal property and casualty insurance.
- Personal accident and supplemental health insurance.
- Reinsurance.
- Life insurance.
- Specialty and excess and surplus lines insurance.
Chubb's 2025 shareholder letter describes commercial insurance operations as 60% of the company and consumer operations as 40%. It also identifies middle-market and small commercial business, major accounts, excess and surplus lines, high-net-worth personal lines, accident and health, and Asian life operations as important parts of the group.
Capital and Solvency
Chubb's public company materials do not present a Solvency II or Swiss Solvency Test ratio as the primary group-level headline. For this v1 profile, capital and solvency context is therefore limited to official public disclosures that relate directly to underwriting and balance-sheet strength.
The 2025 shareholder letter reported year-end reserves of USD 68 billion and described capital management through retained capital, dividends, and buybacks. It also reported that Chubb returned about USD 5 billion of capital in 2025 and about USD 23 billion over the prior five years.
Geographic Footprint
Chubb states that it operates in 54 countries and territories. Its 2025 shareholder letter describes a premium mix spanning North America, Asia, the United Kingdom and Europe, and Latin America.
This is a group-level reference. Country-specific underwriting entities, licenses, admitted-market status, and product availability vary by jurisdiction.
Why It Matters
Chubb matters to insurance-market coverage because it is active across commercial, specialty, personal, accident and health, reinsurance, and life insurance. That range makes the group relevant to market cycles, underwriting appetite, claims trends, specialty capacity, and multinational client coverage.
For InsureSouk, Chubb is also relevant when tracking multinational risk programs, commercial property and casualty capacity, high-net-worth personal lines, accident and health coverage, and reinsurance participation.
Recent Strategic Themes
Chubb's 2025 shareholder letter emphasizes diversified underwriting, commercial and consumer business balance, data and technology investment, artificial intelligence, process change, claims capability, and global distribution. Those themes connect Chubb to coverage of specialty underwriting, commercial insurance profitability, digital distribution, and international insurance growth.
Reader Note
This profile is a source-led reference page. It is not investment advice, rating advice, or a recommendation. Figures are drawn from Chubb public materials for the reporting periods stated and do not include live market data.