AC&E Incorporated
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.
- Company typePrivate
- Founded1987
- HeadquartersChantilly, United States
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
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.
AC&E Incorporated firmographics
Firmographics- 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
AC&E Incorporated industry classification
Industry- 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
Where AC&E Incorporated is headquartered
LocationHeadquarters
- HQ city
- Chantilly
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
AC&E Incorporated business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: Core revenue from underwriting and selling insurance policies across personal and commercial lines including property, casualty, health, and specialty insurance
- Claims Services: Claims processing and settlement services, with $21B claims paid out globally in 2023
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Business Insurance - Customized by business size and industry |
| Other | Annual | Personal Insurance - Individual & Family coverage |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
AC&E Incorporated product offering
Product offeringCore 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
Companies that use AC&E Incorporated
Customer profileSegments4 records
Ideal customer profiles5 records
AC&E Incorporated technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
AC&E Incorporated partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- NubankcoreNubank 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 BulgariacoreYettel 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
AC&E Incorporated competitors and assessment
Company assessmentDirect 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
AC&E Incorporated social profiles
Digital presenceAC&E Incorporated financial estimates
Financial estimateRevenue estimate
Valuation estimate
AC&E Incorporated leadership team
Management profileNumber of profiles
AC&E Incorporated subsidiaries and ownership
Company hierarchySubsidiaries3 records
AC&E Incorporated funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AC&E Incorporated M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AC&E Incorporated
What does AC&E Incorporated do?
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.
Is AC&E Incorporated a public or private company?
AC&E Incorporated is a private company. It is classified as unknown and is currently operating.
When was AC&E Incorporated founded?
AC&E Incorporated was founded in 1987. It employs 5,001 to 10,000 people.
Where is AC&E Incorporated based?
AC&E Incorporated is headquartered in Chantilly, United States, in the North America region.
How does AC&E Incorporated make money?
Two revenue lines are on record. Insurance Premiums are the primary driver. The others are claims Services.
Who are AC&E Incorporated's main competitors?
Direct peers on record are Allstate, The Hartford, Travelers, Liberty Mutual Insurance, Zurich Insurance Group, Allianz, Progressive, AIG and AXA. Berkshire Hathaway (GEICO / General Re) is listed as a broad incumbent.
Does AC&E Incorporated have an API?
No public API is recorded for AC&E Incorporated.
What industry is AC&E Incorporated in?
AC&E Incorporated's product category is Property & Casualty Insurance. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms, with a secondary code of FSAJAOAC, Technology Errors & Omissions (Tech E&O) / Professional Liability. Its NAICS code is 524126 and its SIC code is 6331.