Chubb
Major commercial insurer for larger or higher-risk wellness operations.
Regions: US, International
Chubb is one of the largest commercial property and casualty insurers globally, underwriting general liability, professional liability, property, and umbrella coverage for businesses that have outgrown small-business digital insurers. For wellness franchise systems with meaningful revenue, multiple locations, or higher-risk modalities (med-spa, IV therapy, clinical-adjacent services), Chubb's underwriting depth and claims-handling infrastructure matter more than a fast online quote. Chubb typically works through independent brokers rather than direct online binding, so budget time for a proper broker relationship rather than expecting same-day coverage.
Reviewed by Miles Sutherland, Vendors & Equipment Editor
At a glance
- Coverage type
- Broker/Multi-line
- Pricing from
- Broker-placed, custom
- States licensed
- US, International
Why it stands out
Enterprise-grade underwriting and claims infrastructure for complex risk profiles
Best for
Larger systems or higher-risk clinical-adjacent concepts needing enterprise underwriting
Key features
Compared with
Alternatives to Chubb
Other insurance options for wellness franchises worth comparing against Chubb.
Gallagher
Brokerage and risk management for multi-location operators.
The Hartford
Workers comp, liability, and business insurance for employers.
biBERK
Direct-to-business online insurance backed by Berkshire Hathaway.