AC&E Incorporated

What AC&E Incorporated does

AC&E Incorporated, which has operated as Chubb following the legacy ACE Limited corporate identity (aceltd.com), is a global insurance provider headquartered in Chantilly, United States, founded in 1987 with 10,000+ employees. The company underwrites and distributes business and personal insurance across more than 200 product lines spanning property, auto, valuables (jewelry, arts, wines, collections), boats and yachts, pets, and travel for individuals, plus commercial package, accident and health, cyber, management liability, marine, professional liability, workers' compensation, and workplace solutions for businesses of all sizes.

Its core technology platform is Chubb Studio, an in-house integration layer that enables digital platforms, financial institutions, retailers, telecommunications carriers, and travel companies to embed Chubb insurance products into their own customer experiences. Supporting capabilities include ESIS risk management services, Chubb Risk Consulting, and StreamLabs IoT solutions for loss prevention. Distribution is multi-channel: a global agent and broker network with dedicated portals (Chubb Agent Portal, Worldview), direct-to-consumer online quoting, enterprise field sales for large accounts, and embedded insurance via Chubb Studio. The company reports $200B+ in global assets, $21B in claims paid in 2023, and operations in 54 countries.

Revenue is generated primarily through insurance premiums (subscription-like, annual billing) across personal and commercial lines, supplemented by professional services revenue from claims handling, risk consulting, and ESIS services. Customer segments span individuals and families, small/mid-market and enterprise businesses, distribution intermediaries (agents and brokers), and embedded insurance partners. Pricing is quote-based and not publicly disclosed, with customized commercial policies and standardized personal line offerings distributed through agents or direct channels.

Name

AC&E Incorporated

Legal name

Chubb

Website

https://aceltd.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

AC&E Incorporated operates as Chubb, a global insurer underwriting 200+ personal and commercial insurance products across 54 countries, distributed via agents, direct channels, and Chubb Studio embedded insurance partnerships.

Ownership category

akta.pro rank

Product category

Property & Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers (5241), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industries

Technology Errors & Omissions (Tech E&O) / Professional Liability (FSAJAOAC), Professional Liability (E&O) (FSAJAGAC)

Keywords

• Property insurance
• Casualty insurance
• Risk management
• Embedded insurance
• Claims processing

Headquarters

HQ city

Chantilly

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: Core revenue from underwriting and selling insurance policies across personal and commercial lines including property, casualty, health, and specialty insurance
2. Claims Services: Claims processing and settlement services, with $21B claims paid out globally in 2023

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

AC&E Incorporated provides global business and personal insurance solutions across property, auto, valuables, boats & yachts, pets, travel, and specialized commercial lines including cyber, professional liability, workers' compensation, marine, and accident & health. The company also distributes insurance through embedded partnerships via the Chubb Studio technology platform and delivers enterprise risk management consulting through ESIS Risk Management Services and Chubb Risk Consulting.

Product overview

Chubb offers a comprehensive insurance platform providing both personal and business insurance solutions. The personal lines include homeowners, auto, valuables (jewelry, art, wine), boats, pets, and travel insurance. Business insurance covers small commercial, accident & health, cyber, management liability, marine, professional liability, workers' compensation, and workplace solutions. Chubb also provides embedded insurance solutions through Chubb Studio for digital platforms, financial institutions, retailers, telecoms, and travel companies.

Differentiator

Problem solved

Functional benefit

Brands

• Chubb Studio: In-house technology platform that enables integration of customized insurance coverage into customer experiences, part of embedded insurance solutions.

Products and services

• Personal Property Insurance Homeowners, condo and co-op, renters, and home appliances and equipment insurance for individuals and families protecting residential properties.
• Auto Insurance Car insurance and classic car coverage for individuals and families.
• Valuables Insurance Specialized coverage for jewelry, art, wines and spirits, and personal collections.
• Boat & Yacht Insurance Insurance coverage for boats and yachts owned by individuals and families.
• Pet Insurance Pet insurance offered in partnership with Healthy Paws, providing top-rated coverage for dogs and cats.
• Travel Insurance Travel insurance for individuals and families covering a wide range of trip-related contingencies.
• Small Commercial Insurance Commercial package insurance and small business coverage for newly formed startups through long-time community anchors.
• Cyber Insurance Cyber liability coverage for businesses addressing data breach, cybercrime, and related exposures.
• Workers' Compensation Insurance Workers' compensation coverage for employers addressing employee injury and workplace safety needs.
• Professional Liability Insurance Professional liability coverage protecting businesses and individuals against claims of negligence or errors and omissions.
• Management Liability Insurance Management liability coverage including directors and officers, employment practices, and fiduciary liability for businesses.
• Accident & Health Insurance Accident and health insurance coverage for businesses and groups.
• Marine Insurance Marine insurance coverage for commercial marine and inland marine exposures.
• Workplace Solutions Insurance Workplace solutions supplemental insurance offerings for employers.
• ESIS Risk Management Services Enterprise risk management and consulting services for businesses, delivered as a wholly owned subsidiary of the company.
• Chubb Risk Consulting Services Professional risk consulting services to help businesses identify, assess, and mitigate risk exposures.
• Embedded Insurance Platform (Chubb Studio) In-house technology platform enabling digital platforms, financial institutions, retailers, telecommunications companies, and travel companies to integrate Chubb insurance products into their own customer experiences.
• StreamLabs IoT Loss Prevention Solutions Internet of Things technology solutions delivered through wholly owned subsidiary StreamLabs, Inc., to help prevent losses to homes and businesses using connected device technology.

Quantifiable outcome

• $21B in claims paid globally in 2023

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• NubankcoreStrategic or Co-development PartnerNubank case study partner - life insurance made easy through digital platform integration. Chubb provides embedded life insurance products integrated into Nubank's digital banking platform.
• Yettel BulgariacoreStrategic or Co-development PartnerYettel case study partner - travel insurance made easy in Bulgaria. Chubb provides embedded travel insurance products through Yettel's telecommunications platform.

Scale indicators4 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Allstate: Allstate is a major US personal-lines insurer with growing commercial and specialty operations. Comparable to Chubb's US personal lines book and increasingly to its small-commercial and protection-product suite.
• The Hartford: The Hartford is a leading US P&C insurer specializing in small commercial, middle market, and specialty lines. It directly competes with Chubb in workers' compensation, management liability, and professional liability.
• Travelers: Travelers is a major US P&C carrier focused on commercial lines, including property, casualty, and specialty coverages. It overlaps directly with Chubb's US commercial book and broker distribution strategy.
• Liberty Mutual Insurance: Liberty Mutual is a global P&C insurer with strong commercial and personal lines. It competes with Chubb in commercial package, specialty, and global multinational programs.
• Zurich Insurance Group: Zurich is a global multi-line insurer with strong commercial P&C, specialty, and life operations. It is a direct competitor to Chubb in serving multinational commercial clients across Europe, the Americas, and Asia.
• Allianz: Allianz is one of the world's largest P&C and life insurers with deep multinational reach. It competes head-to-head with Chubb in commercial P&C, specialty lines, and embedded partnerships through its digital and asset-management arms.
• Progressive: Progressive is a leading US personal and commercial auto insurer known for direct-to-consumer digital distribution. It competes with Chubb in personal auto and small-commercial fleet, representing a benchmark for direct/digital efficiency.
• AIG: AIG is a global insurance carrier offering commercial, personal, and specialty lines across P&C, life, and retirement. It is directly comparable to Chubb in scale, product breadth, multinational footprint, and reliance on a broker distribution model.
• AXA: AXA is a global insurance and financial services group with P&C, life, and health operations across Europe, the Americas, and Asia. Comparable to Chubb in multi-line breadth, geographic scope, and embedded distribution ambitions.

Broad incumbents

• Berkshire Hathaway (GEICO / General Re): Berkshire's insurance subsidiaries (GEICO, General Re, Berkshire Hathaway Reinsurance Group) make it a broad incumbent in P&C and reinsurance. Comparable to Chubb in capital strength and ability to write large and specialty risks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/ACEGroup
• Facebookfacebook.com/chubbinsurance

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AC&E Incorporated