Investor Relations
NYSE:CB 136.06 -0.60 -0.44% Volume: 942,613 March 24, 2017

Chubb Profile

Twice a year, Chubb produces a summary of the company's financial strength, underwriting performance, product and geographic diversification, operating units and business leaders.

Download a PDF of Chubb Limited Profile.

Overview

Chubb is the world’s largest publicly traded property and casualty insurer, providing commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance

— As an underwriting company, we assess, assume and manage risk with insight and discipline

— We service and pay our claims fairly and promptly

— Chubb operates in 54 countries, with approximately 31,000 employees serving a diverse group of clients worldwide

Balanced, Diversified Leader

— A global leader in traditional and specialty P&C coverage for industrial commercial and mid-market companies

— The leading commercial lines insurer in the U.S. and the largest financial lines provider globally

— The leader in U.S. high net worth personal lines and a large personal lines provider globally

— A global leader in personal accident and supplemental health insurance

— A P&C reinsurer

— An international life insurer focused on Asia

Financial Snapshot

Gross premiums written* $35.9 billion
Net premiums written* $29.0 billion
Net income $4.1 billion
Operating income $4.7 billion

* Inclusive of the first 14 days of January prior to the acquisition close.

Premium Distribution by Product*

*Net premiums written inclusive of the first 14 days of January prior to the acquisition close

P&C Combined Ratio1

1 2016 combined ratio includes results from the first 14 days of January prior to the acquisition close and excludes purchase accounting adjustments and a one-time pension plan harmonization benefit of $113 million; historical combined ratios as if ACE and Chubb were one company.

Geographic Sources of Premium**

**Gross premiums written inclusive of the first 14 days of January prior to the acquisition close

Disciplined Underwriting Culture

— Five-year (2012–2016) average combined ratio: 89.0%1

— Our consistent underwriting performance provides stability for customers and shareholders.

Balance Sheet Strength (As of December 31, 2016)

— Total assets of $159.8 billion

— Total capital, which reflects our capacity to take on risk, of $61.7 billion

— Net loss reserves of $47.0 billion back our policyholder commitments

— Book value, or shareholders’ equity in the company, is $48.3 billion

— Total investments of $99.1 billion are predominantly investment-grade fixed income securities

Current Ratings1


Rating Agency
Ratings
Financial
Strength Rating
Outlook ERM
S&P AA Stable Strong*
A.M. Best A++ Stable -
Fitch AA Stable -
Moody’s Aa3 Stable -

1Ratings apply to Chubb’s core operating insurance companies as of February 3, 2017. For ratings of individual insurance companies, see Investor Information on investors.chubb.com.

*Top 20% of North America and Bermuda insurance companies rated.

Claims and Engineering

— Claims handling service renowned for its quality, promptness and fairness

— Industry-leading loss control services and more than 400 risk engineering professionals serving commercial clients in the U.S. and globally

— Residential risk consulting and appraisal services

Chubb Leadership

Evan Greenberg
Chairman & Chief Executive Officer
Chubb Limited / Chubb Group

John Keogh
Executive Vice Chairman, Chubb Limited / Chubb Group
Chief Operating Officer

John Lupica
Vice Chairman, Chubb Group
President, North America Major Accounts and Specialty Insurance

Paul J. Krump
Executive Vice President, Chubb Group
President, North America Commercial and Personal Insurance

Juan C. Andrade
Executive Vice President, Chubb Group
President, Overseas General Insurance

Philip Bancroft
Executive Vice President, Chubb Limited / Chubb Group
Chief Financial Officer

Jacques Q. Bonneau
Executive Vice President, Chubb Group
Global Underwriting

Timothy Boroughs
Executive Vice President, Chubb Group
Chief Investment Officer

Edward Clancy
Executive Vice President, Chubb Group
Global Accident & Health and Life

Sean Ringsted
Executive Vice President, Chubb Group
Chief Risk Officer & Chief Digital Officer

Joseph Wayland
Executive Vice President, Chubb Limited / Chubb Group
General Counsel

Frank Lattal
Senior Vice President, Chubb Group
Chief Claims Officer

North America

Chief Field Operations
Harold L. Morrison, Jr.

Major Accounts
Christopher Maleno

Commercial Insurance
Steven Pozzi

Personal Risk Services
Frances D. O’Brien

Westchester
Bruce Kessler

Chubb Bermuda
Joseph Clabby

Agriculture
Michael Coleman

Small Commercial
James Williamson

International

Europe
Andrew Kendrick

Asia Pacific
Paul McNamee

Latin America
Juan Luis Ortega

Eurasia & Africa
Giles Ward

Far East
Jeff Hager

Chubb Global Markets
Matthew Shaw

Life

Chubb Life
Russell Bundschuh

Combined Insurance
Brad Bennett

Reinsurance

Chubb Tempest Re Group
James Wixtead



This document contains non-GAAP financial measures. For a reconciliation to the most directly comparable GAAP measures visit Chubb's Q4 Financial Supplement.

For more information, visit chubb.com ©2017 Chubb

Contact

Investor Relations:

Phone: 1 441 299 9283 Email

Computershare:

U.S. & Bermuda: 1 877 522 3752 Outside the U.S.: 1 201 680 6898 Computershare Website