This Chubb Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009-2014), the home & auto insurance complaint ratings for the subsidiary companies of Chubb insurance, to determine whether each subsidiary, such as Federal Insurance Company or Great Northern Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.
In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the change in the JD Power home & auto insurance scores & ratings for Chubb insurance over the last few years, and compare them to the scores of leading competitors, like State Farm, Allstate, Farmers, Progressive, & GEICO. I’ll review the AM Best Financial Strength ratings for the Chubb subsidiaries, too.
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I update my reviews throughout the year as new data becomes available, so be sure to bookmark or place my website in your favorites, so you can keep up on how Chubb and other major insurance companies perform in the future.
Chubb Auto & Homeowners Insurance Review
Chubb is not a well-known brand among the general public, but it has a great reputation among independent insurance agents. Chubb specializes in selling auto & home insurance to meet the needs of high net worth individuals and families. Chubb sells its auto & home insurance through independent insurance agents located in communities throughout the USA.
Chubb was recently purchased by ACE Insurance Group, and will be adopting the Chubb name. I reviewed the auto & home insurance customer complaint record for ACE in this blog post here.
This Chubb review is divided into four sections, considering its: 1. AM Best Financial Strength Ratings 2. JD Power insurance customer & claims satisfaction scores & ratings for Chubb compared to competing companies 3. auto & homeowners insurance customer complaint record over the last five years, and 4. A review summary.
1. AM Best Financial Strength Rating for the Chubb companies
The Chubb companies (Chubb Custom Insurance Company, Chubb Indemnity Insurance Company, Chubb Insurance Company of New Jersey, Chubb Lloyds Insurance Company of Texas, Chubb National Insurance Company, Executive Risk Indemnity Inc, Executive Risk Specialty Insurance Company, Federal Insurance Company, Great Northern Insurance Company, Pacific Indemnity Company, Texas Pacific Indemnity Company, and Vigilant Insurance Company) had their A++ (Superior) AM Best Financial Strength Rating affirmed on 04/16/2015, but due to its recent acquisition by ACE Insurance, its rating is under review as of 7/2/2015 with a negative financial outlook (a ratings downgrade is possible in the near future). A++ is the highest rating for AM Best. I become concerned with any car or homeowners insurance company or subsidiary with less than an A- rating for financial strength from AM Best.
AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Chubb companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Some major auto & home insurance companies have slightly lower financial strength ratings than the Chubb companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.
2. Chubb JD Power Auto & Home Insurance Ratings for 2012, 2013, 2014, & 2015
This section of the review will analyze the JD Power ratings & numerical scores for Chubb in all the JD Power insurance studies where the company was included from 2012 to 2015, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company.
I’ll compare the numerical scores (instead of the power circle rating) for Chubb auto & home insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2012-2015) where it was rated. Chubb was included in the following annual JD Power insurance studies:
The Annual JD Power Homeowners Insurance Customer Satisfaction Study
The Annual JD Power Property (Home) Insurance Claims Satisfaction Study
You can scroll down to read my analysis or summaries of the studies most interesting to you.
The Annual JD Power Homeowners Insurance Customer Satisfaction Study
2015: Chubb scored 1 point (on a 1,000 point scale) or .1% above the 2015 JD Power Homeowners Insurance Customer Satisfaction study average, at 788 out of 1,000 points.
Here is how Chubb rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2015:
Policy Offerings: Three Power Circles (about average)
Price: Three Power Circles (about average)
Billing & Payment: Three Power Circles (about average)
Contacting the Insurer: Three Power Circles (about average)
Claims: Four Power Circles (better than most)
Overall Homeowners Insurance Satisfaction: Three Power Circles (about average)
Hartford & Progressive scored about the same (one point above and two points below respectively) as Chubb in the 2015 JD Power Homeowners Insurance Customer Satisfaction study.
These companies scored .3% or more higher than Chubb in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): USAA, Amica, Auto-Owners, Erie, Auto Club of Southern California, GEICO, American Family, COUNTRY Financial, Shelter, State Farm, Nationwide, Allstate, and California State Auto Association (CSAA).
These companies scored .5% or more lower than Chubb in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): Cincinnati, Mercury, Farmers, Encompass, Automobile Club Group, Metlife, Kemper, Liberty Mutual, Safeco, Travelers, and Hanover.
2014: Chubb had too small of a survey sample to be included & rated in the 2014 JD Power Homeowners Insurance Customer Satisfaction Study.
2013: Chubb scored 19 points (on a 1,000 point scale) or 1.9% below the 2013 JD Power Homeowners Insurance Customer Satisfaction study average, at 768 out of 1,000 points.
These companies scored 1.8% or more higher than Chubb in the 2013 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, State Farm, Auto-Owners, Erie, Automobile Club of Southern California, Encompass, American Family, Progressive, Country, Allstate, GEICO, The Hartford, and CSAA/AAA NCNU.
These companies scored .5% or more lower than Chubb in the 2013 JD Power Homeowners Insurance Customer Satisfaction study: Farmers, Liberty Mutual, and Travelers.
2012: Chubb scored 11 points (on a 1,000 point scale) or 1.1% above the 2012 JD Power Homeowners Insurance Customer Satisfaction study average, at 796 out of 1,000 points.
These companies scored 1.4% or more higher than Chubb in the 2012 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, Auto Club of Southern California, Erie, American Family, and Shelter.
These companies scored 1.4% or more lower than Chubb in the 2012 JD Power Homeowners Insurance Customer Satisfaction study: Allstate, Mercury, Auto Club, CSAA/AAA NCNU, The Hanover, Liberty Mutual, Metlife, Farmers, and Travelers.
Homeowners Insurance Customer Satisfaction Summary: Chubb scored 1.1% above, 1.9% below, and .1% above the national average each year in the 2012, 2013, & 2015 studies respectively, showing inconsistent homeowners insurance customer satisfaction from 2012 to 2015, in relation to the average score each year. Chubb scored enough below average in 2013 to say it has worse than average homeowners insurance customer satisfaction based on its recent performance. However, Chubb homeowners insurance customers in this study rated the company at four power circles (better than most) for the important category of claims.
The Annual JD Power Property Claims Satisfaction Study
The 2016 Property Claims Satisfaction Study is based on more than 5,700 responses from homeowners insurance customers who filed a property claim between January 2014 & December 2015.
2016: Chubb scored 5 points (on a 1,000 point scale) or .5% above the 2016 US Property Claims Satisfaction study average, at 851 out of 1,000 points.
Here is how Chubb rated in the five factors used to determine its overall property claims satisfaction score in 2016:
First Notice of Loss: Three Power Circles (about average)
Service Interaction: Two Power Circles (lowest rating)
Estimation Process: Four Power Circles (better than most)
Repair Process: Two Power Circles (lowest rating)
Settlement: Four Power Circles (better than most)
Overall Property Claims Satisfaction: Three Power Circles (about average)
This company scored the same as Chubb in the 2016 US Property Claims Satisfaction study: American Family.
The companies scored about the same (from six points (.6%) above to four points (.4%) below) as Chubb in the 2016 US Property Claims Satisfaction study: Safeco, State Farm, Liberty Mutual, The Hanover, Nationwide, California State Auto Association (CSAA), Farmers, Allstate, and Metlife.
These companies scored 1.2% or more higher than Chubb in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Amica, Auto Club of Southern California, USAA, Country, Encompass, and Erie.
These companies scored .7% or more lower than Chubb in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Travelers, Auto-Owners, Hartford, and MAPFRE (Commerce).
2015: Chubb scored 21 points (on a 1,000 point scale) or 2.1% above the 2015 US Property Claims Satisfaction study average, at 872 out of 1,000 points.
The 2015 Property Claims Satisfaction Study was based on more than 6,100 responses from homeowners insurance customers who filed a property claim between January 2013 & December 2014.
Here is how Chubb rated in the five factors used to determine its overall property claims satisfaction score in 2015:
First Notice of Loss: Four Power Circles (better than most)
Service Interaction: Three Power Circles (about average)
Estimation Process: Four Power Circles (better than most)
Repair Process: Two Power Circles (lowest rating)
Settlement: Four Power Circles (better than most)
Overall Property Claims Satisfaction: Four Power Circles (better than most)
These companies scored 1.4% or more higher than Chubb in the 2015 US Property Claims Satisfaction study: USAA, Amica and Nationwide.
These companies scored 1.2% or more lower than Chubb in the 2015 US Property Claims Satisfaction study: CSAA/AAA NCNU, Encompass, Allstate, State Farm, The Hartford, Metlife, Farmers, Safeco, Liberty Mutual, Auto Club of Southern California, American Family, The Hanover, Auto-Owners, and Auto Club.
2014: Chubb scored 6 points (on a 1,000 point scale) or .6% below the 2014 JD Power Property Claims Satisfaction study average, at 834 out of 1,000 points.
These companies scored 2% or more higher than in the 2014 JD Power Property Claims Satisfaction study: USAA, Amica, Erie, Nationwide, and Auto-Owners.
These companies scored 1.7% or more lower than in the 2014 JD Power Property Claims Satisfaction study: CSAA/AAA NCNU, Auto Club of Southern California, American Family, and Auto Club.
2013: Chubb scored 70 points (on a 1,000 point scale) or 7% above the 2013 JD Power Property Claims Satisfaction study average, at 902 out of 1,000 points.
These companies scored .2% or more higher than Chubb in the 2013 JD Power Property Claims Satisfaction study: Amica and USAA.
These companies scored 3.5% or more lower than Chubb in the 2013 JD Power Property Claims Satisfaction study: Encompass, Country, The Hartford, Nationwide, Erie, Auto Club of Southern California, Metlife, Auto-Owners, American Family, Liberty Mutual, Allstate, Travelers, State Farm, Farmers, CSAA/AAA NCNU, and Safeco.
2012: Chubb scored 26 points (on a 1,000 point scale) or 2.6% above the 2012 JD Power Property Claims Satisfaction study average, at 859 out of 1,000 points.
These companies scored 1.3% or more higher than Chubb in the 2012 JD Power Property Claims Satisfaction study: USAA, Amica, Auto-Owners, and Nationwide.
These companies scored 1.1% or more lower than Chubb in the 2012 JD Power Property Claims Satisfaction study: Auto Club of Southern California, Country, State Farm, American Family, CSAA/AAA NCNU, The Hartford, Safeco, Travelers, Allstate, Liberty Mutual, Metlife, Farmers, and The Hanover.
Homeowners Insurance Claims Satisfaction Summary: Chubb scored 2.6%, 7%, 2.1%, and .5% above the national average each year in the 2012, 2013, 2015, & 2016 studies respectively, showing above average satisfaction in the national JD Power Property Claims Satisfaction study in most years, in spite of it’s slightly below average score in 2014 and about average score in 2016 (which decreased 21 points (2.1%) from its 2015 score). Scores in this study for Chubb vary greatly from a low of 834 points (83.4%) in 2014 to a high of 902 points (90.2%) in 2013. Companies like Amica & USAA have more consistently higher above average scores in this study than Chubb from 2012 to 2016.
3. Chubb Auto & Homeowners Insurance Complaint Statistics & Ratings
You may really like your auto or home insurance company, or you may have heard from family members or friends about the insurance companies they think are best, but you never really know how good your insurance company is, until you have a serious claim. The good news is many insurance companies settle a good portion of their claims in a manner acceptable to the majority of their customers. However, the wise consumer should avoid insurance companies with a worse than average history of auto or home insurance complaints.
A measure of quality for an auto or home insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, adjusted for the company’s market share. This section of the review will show you if Chubb auto & home insurance has a better-than-average, average, or below-average complaint record for 2009, 2010, 2011, 2012, 2013, & 2014. This section of my Chubb Insurance review provides valuable information to help you decide if Chubb is best for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.
Chubb has 12 U.S. subsidiary companies, Chubb Custom Insurance Company, Chubb Indemnity Insurance Company, Chubb Insurance Company of New Jersey, Chubb Lloyds Insurance Company of Texas, Chubb National Insurance Company, Executive Risk Indemnity Inc, Executive Risk Specialty Insurance Company, Federal Insurance Company, Great Northern Insurance Company, Pacific Indemnity Company, Texas Pacific Indemnity Company, and Vigilant Insurance Company, licensed in the states where the company sells insurance, which is most of the 50 U.S. states. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing, or operate in a certain US state or group of states. Different subsidiaries can be used to offer specific pricing for certain market segments, such as drivers with lower or higher risk profiles (For example, drivers with a clean driving record vs. drivers with tickets and accidents), or certain occupations and employers, such as teachers or government employees, or to insure certain types of vehicles or residences, such as mobile homes, motorcycles, or motorhomes.
The following three subsidiaries are too small to review or do not currently insure homes or personal use vehicles:
Executive Risk Indemnity Inc. had no auto or home insurance policies in force in 2014 (and had only $1,437 US auto insurance premium in 2012). Executive Risk Specialty Insurance Company sells commercial insurance only, and has no auto or home insurance policies in force. Texas Pacific Indemnity Company also has no home insurance policies in force, and only $869,804 in US auto insurance premium in 2014, up very slightly from $846,243 US auto insurance premium in 2012.
The most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim. The complaint statistics used in this review are the number of upheld complaints filed against the Chubb companies with a state’s insurance regulatory authority, adjusted for the company’s market share, as determined by the National Association of Insurance Commissioners (NAIC). Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an insurance company with complaint ratios much less than 1.00 each year, over the last five years.
So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if a Chubb subsidiary has a good or poor complaint record.
Here’s how I establish my auto & homeowners insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $100,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as small market share.
Below are my complaint ratings (better than average, average, worse than average) for the Chubb companies selling auto and/or homeowners insurance in the USA:
I. Chubb Auto Insurance Customer Complaints
Chubb has eight subsidiary companies licensed to insure private passenger vehicles in the states where the company sells insurance:
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.33)
2015 US auto insurance premium = $34,849,552
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $35,911,016
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $36,511,274
2012 Auto Insurance Complaint Ratio = B (.71)
2012 US auto insurance premium = $37,388,302
2011 Auto Insurance Complaint Ratio = C+ (.87)
2011 US auto insurance premium = $39,705,118
2010 Auto Insurance Complaint Ratio = B (.39)
2010 US auto insurance premium = $42,889,000
2009 Auto Insurance Complaint Ratio = C+ (.84)
The Chubb Indemnity Insurance Company subsidiary insures private passenger vehicles in all of the US states except Hawaii. Chubb Indemnity Insurance Company has had a lower than average number of auto insurance complaints each year since 2009, with its number of auto insurance complaints in its worst year during this period at 87% of the industry average.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $29,559,770
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $30,546,558
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $29,628,354
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $27,769,530
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $25,364,714
2010 Auto Insurance Complaint Ratio = B (.66)
2010 US auto insurance premium = $25,539,314
2009 Auto Insurance Complaint Ratio = B (0) (No complaints)
The Chubb Insurance Company of NJ subsidiary insures private passenger vehicles in NJ only. Chubb Insurance Company of NJ has an exceptional, better-than-average auto insurance complaint history over the last six years, with no auto insurance complaints in the last four years.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $8,922,347
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $10,305,266
2013 Auto Insurance Complaint Ratio = C (.96)
2013 US auto insurance premium = $11,350,034
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $12,747,827
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $14,935,511
2010 Auto Insurance Complaint Ratio = B (.50)
2010 US auto insurance premium = $16,932,311
2009 Auto Insurance Complaint Ratio = B (.42)
The Chubb Lloyd’s Insurance Company of TX subsidiary insures private passenger vehicles in the state of Texas only. Chubb Lloyd’s Insurance Company of TX has had a lower than average number of auto insurance complaints each year since 2009, with no auto insurance complaints in three of the last six years, and with its number of auto insurance complaints in its worst year during the 2009-2014 period at 96% of the industry average. However, subsidiaries with very small auto insurance market shares, like Chubb Lloyds, have higher complaint ratios with only a few complaints each year. In 2013, Chubb Lloyd’s Insurance Company had only one auto insurance complaint, but a complaint ratio close to the industry average because of it.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.74)
2015 US auto insurance premium = $137,859,905
2014 Auto Insurance Complaint Ratio = B (.51)
2014 US auto insurance premium = $125,280,072
2013 Auto Insurance Complaint Ratio = B (.10)
2013 US auto insurance premium = $108,382,737
2012 Auto Insurance Complaint Ratio = B (.40)
2012 US auto insurance premium = $88,134,623
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $70,281,045
2010 Auto Insurance Complaint Ratio = B (.16)
2010 US auto insurance premium = $52,203,942
2009 Auto Insurance Complaint Ratio = B (0) (No complaints)
The Chubb National Insurance Company subsidiary insures private passenger vehicles in all of the US states except Alaska, Delaware, Hawaii, Montana, North Dakota, South Dakota, & Vermont. Chubb National Insurance Company has a better-than-average auto insurance complaint history over the last six years, with no auto insurance complaints in two of the last six years, and with its number of auto insurance complaints, in its worst year during this period (2014), still at only 51% of the industry average.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.67)
2015 US auto insurance premium = $102,371,161
2014 Auto Insurance Complaint Ratio = C+ (.77)
2014 US auto insurance premium = $95,723,416
2013 Auto Insurance Complaint Ratio = B (.49)
2013 US auto insurance premium = $88,163,843
2012 Auto Insurance Complaint Ratio = B (.33)
2012 US auto insurance premium = $81,156,969
2011 Auto Insurance Complaint Ratio = C (1.00)
2011 US auto insurance premium = $77,476,707
2010 Auto Insurance Complaint Ratio = C- (1.15)
2010 US auto insurance premium = $73,380,358
2009 Auto Insurance Complaint Ratio = C+ (.80)
The Federal Insurance Company subsidiary insures private passenger vehicles in all of the US states. Federal Insurance Company has had a close to average auto insurance complaint history in three of the last six years, with its number of auto insurance complaints in its worst year during this period, at 15% more than the industry average. However, in the most recent years of 2012, 2013, & 2014, its number of auto insurance complaints was at 33%, 49%, & 77% of the industry average respectively.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.25)
2015 US auto insurance premium = $91,144,423
2014 Auto Insurance Complaint Ratio = B (.24)
2014 US auto insurance premium = $89,282,060
2013 Auto Insurance Complaint Ratio = B (.12)
2013 US auto insurance premium = $88,128,634
2012 Auto Insurance Complaint Ratio = C+ (.81)
2012 US auto insurance premium = $87,489,610
2011 Auto Insurance Complaint Ratio = B (.48)
2011 US auto insurance premium = $90,505,421
2010 Auto Insurance Complaint Ratio = C- (1.15)
2010 US auto insurance premium = $95,755,383
2009 Auto Insurance Complaint Ratio = B (.70)
The Great Northern Insurance Company subsidiary insures private passenger vehicles in all of the US states. Great Northern Insurance Company has had a lower than average number of auto insurance complaints in each of the most recent four of the last six years.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.27)
2015 US auto insurance premium = $42,225,452
2014 Auto Insurance Complaint Ratio = B (.50)
2014 US auto insurance premium = $41,962,037
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $42,058,341
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $40,907,282
2011 Auto Insurance Complaint Ratio = B (.40)
2011 US auto insurance premium = $43,020,706
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $44,169,027
2009 Auto Insurance Complaint Ratio = B (.17)
The Pacific Indemnity Company subsidiary insures private passenger vehicles in all of the US states. Pacific Indemnity Company has had an excellent, better-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst year during this period at only 50% of the industry average.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $27,907,760
2014 Auto Insurance Complaint Ratio = B (.37)
2014 US auto insurance premium = $28,723,994
2013 Auto Insurance Complaint Ratio = B (.37)
2013 US auto insurance premium = $29,742,875
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $30,549,754
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $32,625,819
2010 Auto Insurance Complaint Ratio = B (.25)
2010 US auto insurance premium = $34,402,916
2009 Auto Insurance Complaint Ratio = B (.22)
The Vigilant Insurance Company subsidiary insures private passenger vehicles in all of the US states. Vigilant Insurance Company has had an excellent, better-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst year during this period at only 37% the industry average.
Pacific Employers Insurance Company Auto Insurance Complaint Statistics & Ratings
B = Better than Average C = Average W = Worse than Average
2017 Auto Insurance Complaint Ratio = B (0) (No complaints)
2017 US auto insurance premium = $7,295,814
2016 Auto Insurance Complaint Ratio = B (0) (No complaints)
2016 US auto insurance premium = $6,767,942
2015 Auto Insurance Complaint Ratio = No policies in force
2015 US auto insurance premium = $0
II. Chubb Homeowners Insurance Customer Complaints
Chubb sells home insurance through the nine subsidiary companies listed below.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $8,502,680
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $9,524,097
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $8,989,080
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $9,507,600
2011 Home Insurance Complaint Ratio = C (1.00)
2011 US home insurance premium = $8,113,255
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $7,297,572
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
The Chubb Custom Insurance Company subsidiary insures homes in all of the US states. Chubb Custom Insurance Company has had an excellent, better-than-average home insurance complaint history, with no home insurance complaints in five of the last six years. Because it is a very small subsidiary, its one home insurance complaint in 2011 gave it a complaint ratio (1.00) in the average range.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.22)
2015 US home insurance premium = $91,228,249
2014 Home Insurance Complaint Ratio = B (.10)
2014 US home insurance premium = $92,151,123
2013 Home Insurance Complaint Ratio = B (.12)
2013 US home insurance premium = $93,302,117
2012 Home Insurance Complaint Ratio = B (.26)
2012 US home insurance premium = $95,149,134
2011 Home Insurance Complaint Ratio = B (.24)
2011 US home insurance premium = $99,477,802
2010 Home Insurance Complaint Ratio = B (.09)
2010 US home insurance premium = $104,093,062
2009 Home Insurance Complaint Ratio = B (.23)
The Chubb Indemnity Insurance Company subsidiary insures homes in all of the US states, except Hawaii. Chubb Indemnity Insurance Company has had an excellent, better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period at only 26% of the industry average.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $92,146,468
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $96,504,507
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $16,274,591
2012 Home Insurance Complaint Ratio = B (.54)
2012 US home insurance premium = $15,542,736
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $14,599,536
2010 Home Insurance Complaint Ratio = C- (1.25)
2010 US home insurance premium = $14,611,172
2009 Home Insurance Complaint Ratio = C- (1.11)
The Chubb Insurance Company of NJ subsidiary insures homes in New Jersey only. Chubb Insurance Company of NJ has had a better-than-average home insurance complaint history each year over the most recent four years, with its number of home insurance complaints in its worst year from 2009 to 2014 at 25% more than the industry average. Because it had little home insurance market share at the time, the two home insurance complaints it had in 2010 gave it a greater than average complaint ratio of 1.25.
Chubb Insurance Company of NJ had a huge increase in its home insurance market share from 2013 to 2014, which may be a sign of competitive home insurance rates or advantages for its homeowners insurance in New Jersey.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.07)
2015 US home insurance premium = $147,480,069
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $143,446,316
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $135,963,659
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $127,578,755
2011 Home Insurance Complaint Ratio = B (.07)
2011 US home insurance premium = $119,944,407
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $114,932,445
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
The Chubb Lloyd’s Insurance Company of TX subsidiary insures homes in the state of Texas only. Chubb Lloyd’s Insurance Company of TX has had an excellent, better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period, at a very low 7% of the industry average, and no home insurance complaints in the other five of the last six years.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $125,725,979
2014 Home Insurance Complaint Ratio = B (.32)
2014 US home insurance premium = $86,443,539
2013 Home Insurance Complaint Ratio = B (.17)
2013 US home insurance premium = $65,798,552
2012 Home Insurance Complaint Ratio = B (.65)
2012 US home insurance premium = $51,336,549
2011 Home Insurance Complaint Ratio = B (.18)
2011 US home insurance premium = $44,261,987
2010 Home Insurance Complaint Ratio = B (.45)
2010 US home insurance premium = $40,629,901
2009 Home Insurance Complaint Ratio = B (.67)
The Chubb National Insurance Company subsidiary insures homes in all of the US states, except Alaska, Delaware, Hawaii, Montana, North Dakota, South Dakota, & Vermont. Chubb National Insurance Company has had a better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period, at 67% of the industry average.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.04)
2015 US home insurance premium = $519,305,111
2014 Home Insurance Complaint Ratio = B (.25)
2014 US home insurance premium = $514,004,399
2013 Home Insurance Complaint Ratio = B (.18)
2013 US home insurance premium = $499,911,356
2012 Home Insurance Complaint Ratio = B (.11)
2012 US home insurance premium = $470,220,226
2011 Home Insurance Complaint Ratio = B (.16)
2011 US home insurance premium = $451,874,532
2010 Home Insurance Complaint Ratio = B (.19)
2010 US home insurance premium = $437,345,007
2009 Home Insurance Complaint Ratio = B (.16)
The Federal Insurance Company subsidiary insures homes in all of the US states. Federal Insurance Company has had an excellent, better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period still at a very low 25% of the industry average.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.11)
2015 US home insurance premium = $568,038,034
2014 Home Insurance Complaint Ratio = B (.03)
2014 US home insurance premium = $569,406,553
2013 Home Insurance Complaint Ratio = B (.14)
2013 US home insurance premium = $626,159,430
2012 Home Insurance Complaint Ratio = B (.14)
2012 US home insurance premium = $595,500,669
2011 Home Insurance Complaint Ratio = B (.10)
2011 US home insurance premium = $561,505,499
2010 Home Insurance Complaint Ratio = B (.17)
2010 US home insurance premium = $547,645,330
2009 Home Insurance Complaint Ratio = B (.17)
The Great Northern Insurance Company subsidiary insures homes in all of the US states. Great Northern Insurance Company has had an excellent, better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period at only 17% of the industry average.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.10)
2015 US home insurance premium = $311,982,550
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $312,321,570
2013 Home Insurance Complaint Ratio = B (.07)
2013 US home insurance premium = $300,022,708
2012 Home Insurance Complaint Ratio = B (.03)
2012 US home insurance premium = $282,637,493
2011 Home Insurance Complaint Ratio = B (.12)
2011 US home insurance premium = $270,534,234
2010 Home Insurance Complaint Ratio = B (.10)
2010 US home insurance premium = $263,149,687
2009 Home Insurance Complaint Ratio = B (.10)
The Pacific Indemnity Company subsidiary insures homes in all of the US states. Pacific Indemnity Company has had an excellent, better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period at a very low 12% of the industry average.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.05)
2015 US home insurance premium = $217,133,525
2014 Home Insurance Complaint Ratio = B (.12)
2014 US home insurance premium = $224,236,367
2013 Home Insurance Complaint Ratio = B (.24)
2013 US home insurance premium = $226,037,137
2012 Home Insurance Complaint Ratio = B (.19)
2012 US home insurance premium = $223,774,725
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $222,507,810
2010 Home Insurance Complaint Ratio = B (.28)
2010 US home insurance premium = $226,389,850
2009 Home Insurance Complaint Ratio = B (.15)
The Vigilant Insurance Company subsidiary insures homes in all of the US states. Vigilant Insurance Company has had an excellent, better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period at only 28% of the industry average.
Executive Risk Indemnity Inc. Home Insurance Complaint Statistics & Ratings
B = Better than Average C = Average W = Worse than Average
2017 Home Insurance Complaint Ratio = B (0) (No complaints)
2017 US home insurance premium = $19,955,612
2016 Home Insurance Complaint Ratio = B (0) (No complaints)
2016 US home insurance premium = $15,346,031
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $7,183,545
Pacific Employers Insurance Company Home Insurance Complaint Statistics & Ratings
B = Better than Average C = Average W = Worse than Average
2017 Home Insurance Complaint Ratio = B (0) (No complaints)
2017 US home insurance premium = $50,614,070
2016 Home Insurance Complaint Ratio = B (0) (No complaints)
2016 US home insurance premium = $45,560,776
2015 Home Insurance Complaint Ratio = No policies in force
2015 US home insurance premium = $0
4. Chubb Insurance Review Summary
Here’s my summary to give you the bottom line on the customer service & rates for Chubb Insurance, to see if it performs better than average, average, or worse than average.
Chubb Homeowners Insurance Customer Satisfaction, as measured by JD Power 2012-2015:
Worse than average (due to its performance in 2013)
Chubb Homeowners Insurance Claims Satisfaction, as measured by JD Power 2013-2015:
Average (due to its performance in 2014)
Chubb auto insurance customer & claims service as measured by its 2012-2014 complaint record:
Better than Average
Chubb Homeowners insurance customer & claims service as measured by its 2012-2014 complaint record:
Better than average
How does Chubb Insurance compare to major auto & home insurance companies, like State Farm, Allstate, Nationwide, GEICO, Progressive, and others? Compare Chubb with over forty other companies at my home page: smartshopyourcarinsurance.com.