What Are the Key Differences Between Chubb and Embroker Business Owner’s Policy?
Which Size of Business Qualifies
A company with 150 staff or $15 million in revenue falls outside Embroker's BOP but inside Chubb's. Embroker also requires a physical location, though a home office counts, and quotes on its own platform. Choose Chubb if you're past 100 employees or $10 million; choose Embroker if you're smaller and want a quick online quote. [1] [5]
Data Breach and Employment Claims
Chubb can add privacy and data-breach cover, EPLI, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime to the BOP itself. Embroker says its BOP doesn't cover cyberattacks, professional liability, employment claims or criminal acts. It can add professional liability, EPL, spoiled merchandise and mechanical breakdown, but you'll need a separate cyber policy. Chubb is the stronger option if you want breach cover inside one package. [1] [5]
Who You Call After a Loss
Chubb runs 24/7 claims reporting and a dedicated Small Commercial claims email. It says 93% of policyholders with a paid claim from 2022 to 2025 were highly satisfied. Embroker's BOP page offers a Resource Hub and chat support but doesn't describe BOP claims handling, so ask who manages your claim. [2] [4] [5]
What Should You Confirm in Chubb and Embroker Business Owner’s Policy Quotes?
- If you're near 100 employees or $10 million in revenue, ask whether Embroker will still quote you. [5] [1]
- Ask Chubb to price the data-breach enhancement, and compare it with a separate cyber policy next to Embroker's quote. [1] [5]
- Ask Embroker which insurer issues the policy and handles claims. [5]
- Get deductibles in writing from both; neither publishes standard figures. [1] [5]