Prepare for your Chubb interview

Specialty and high-net-worth insurance rounds calibrated to Chubb's focus on premium risk selection, loss control, and portfolio discipline.

Socratify AI

The Interview

What Chubb is looking for

Specialty Interview

Specialty Lines Underwriting

01Excess & Surplus

02Professional Liability

03Cyber Risk

04Environmental

HNW Interview

High-Net-Worth Personal Lines

01Valuation Assessment

02Wildfire/Cat Exposure

03Claims Concierge

04Retention Strategy

Chubb is the world's largest publicly traded P&C insurer — premium quality focus//High-net-worth personal lines are a unique interview domain//Specialty and excess lines underwriting with strong loss control culture

Practice Library

Chubb exercises

Ready to ace your Chubb interview?

Prepare for your Chubb interview

Specialty and high-net-worth insurance rounds calibrated to Chubb's focus on premium risk selection, loss control, and portfolio discipline.

Socratify AI

The Interview

What Chubb is looking for

Specialty Interview

Specialty Lines Underwriting

01Excess & Surplus

02Professional Liability

03Cyber Risk

04Environmental

HNW Interview

High-Net-Worth Personal Lines

01Valuation Assessment

02Wildfire/Cat Exposure

03Claims Concierge

04Retention Strategy

How It Works

Master Chubb Interviews

Specialty underwriting and HNW personal lines rounds scored on risk selection discipline. · Click to expand

1Your Insurance Goals

Risk Assessment

Practitioner

Portfolio Management

Practitioner

2Insurance Case Prep

Chubb’s high-net-worth personal lines portfolio generates a 75% combined ratio but...

CASE INTERVIEWHard

Chubb

3Frameworks

Framework

Is the loss ratio driving the deterioration?

Has claims frequency increased?

Auto claims frequency: +14% YoY, driven by distracted driving uptick

Property claims: +22% from 3 consecutive above-average cat seasons

Has claims severity worsened?

Average auto claim severity: $4,800 → $6,100 (+27%) due to parts inflation

Litigation rate on bodily injury claims: 18% → 26%, driving avg settlement +35%

Is the expense ratio contributing?

Are acquisition costs excessive?

Commission ratio: 16.2% vs. industry benchmark 13.8%

Direct-to-consumer channel: only 11% of new policies vs. 34% industry avg

Are operating expenses bloated?

Claims processing cost per claim: $1,240 vs. $780 for top-quartile peers

Legacy systems: 40% of IT spend on mainframe maintenance

Are reserves adequately set?

Are prior-year reserves developing adversely?

Prior-year reserve strengthening: $47M in last 2 years (3.1pp combined ratio impact)

Long-tail liability lines: 72% of adverse development

Is rate adequacy keeping pace with loss trends?

Rate increases filed: +8% avg; loss trend: +15% — 7pp gap widening

Regulatory approval lag: 4-9 months in top-5 states by premium volume

4Feedback

Risk Assessment

Distinctive

Portfolio Management

Strong

Regulatory Compliance

Meeting Bar

Claims Strategy

Strong

Repeat

Practice Library

Chubb exercises

Chubb's HNW homeowners line saw a 30% increase in wildfire claims. How would you adjust...

LEARNMedium

Insurance · Cat Risk StrategyChubb

A Fortune 500 client wants $100M in D&O coverage with a complex subsidiary structure....

CASE INTERVIEWHard

Insurance · Professional LiabilityChubb

Chubb is evaluating whether to expand its cyber insurance book given increasing...

LEARNMedium

Insurance · Cyber Risk AssessmentChubb

Tell me about a time you had to maintain quality standards while facing pressure to...

BEHAVIORALMedium

Behavioral · Quality DisciplineChubb

Describe a situation where you identified a risk that others had overlooked.

BEHAVIORALMedium

Behavioral · Risk IdentificationChubb