Better Health for All

Chubb's core business includes accident and health insurance, with specific initiatives demonstrating a positive health impact. The company launched a HealthTech industry practice

, partnered to offer digital dental insurance in Latin America , and introduced a genetics-based cancer program , all of which enhance access to healthcare solutions and promote preventative care. Chubb also joined the Well Living Lab Alliance to educate clients on creating healthier living environments , generating positive health externalities. During public health emergencies, Chubb committed $10 million to global pandemic relief efforts , providing essential resources and medical equipment . The company's primary insurance products do not have direct negative health outcomes or safety implications for users. As an insurance provider, Chubb's operations do not involve pharmaceutical patents, food production, addiction potential, clinical trials, or specific mental health or healthcare workforce support initiatives.

Fair Money & Economic Opportunity

Chubb is primarily an insurance company and does not provide debt products to consumers, resulting in a score of 0 for debt burden ratio.

Similarly, as it is not regulated as a lender, there is no fair-lending history available to evaluate, leading to a score of 0 for fair lending compliance.

Fair Pay & Worker Respect

In 2023, Chubb's CEO compensation was 452 times the median employee salary, an increase from 346:1 in 2022.

For pay equity, the company's UK operations reported a median gender pay gap of 15.1% in 2023, meaning women earned 84.9% of men's median pay. This figure represents a reduction from 28.8% in 2022. Separately, a U.S. pay equity analysis for 2023 showed no racial or gender pay gaps on an adjusted basis across similar roles.

Fair Trade & Ethical Sourcing

As an insurance company, Chubb Limited does not procure or trade physical commodities, nor does it source high-risk materials. Therefore, the KPIs related to fair-trade certified spend and high-risk material spend are not applicable to its operations. While Chubb addresses modern slavery and human trafficking through employment verification

, supplier compliance requirements , and staff training , the provided articles do not offer specific, quantifiable data for other KPIs such as audit frequency, number of substantiated incidents, traceability coverage, remediation speed, ethical clause coverage, or supplier diversity spend.

Honest & Fair Business

Chubb Ltd received an S&P Global ESG Score of 36, indicating below-average transparency.

The company and a unit agreed to pay $1.3 million in regulatory fines to the New York State's insurance regulator. Chubb has a comprehensive whistleblower policy, including a 24/7 global Ethics Helpline that allows for anonymous reporting, and strictly prohibits retaliation. In 2024, 98% of employees completed Code of Conduct training, which addresses whistleblower protection. Furthermore, Chubb maintains a global, zero-tolerance anti-corruption policy, adhering to international laws such as the FCPA and UK Bribery Act. This policy is supported by a comprehensive framework, risk assessments, and employee training, with 98% of employees and 100% of outside directors completing Code of Conduct training and attestation in 2024.

Kind to Animals

Chubb demonstrates a significant commitment to wildlife conservation and habitat protection. In 2023, the company supported the Galápagos Marine Bond with over $390 million in reinsurance to fund marine conservation efforts, protecting biodiversity and habitats

. Also in 2023, the Chubb Charitable Foundation committed $500,000 to the Rainforest Trust's Conservation Action Fund, safeguarding critical habitats and endangered wildlife, including the expansion of the Papagaios de Altitude Reserve in Brazil . The company supports the restoration of 200 hectares of mangroves in Mexico and partners with the National Geographic Society on the Blue Boundaries program, focusing on freshwater wetlands, coastal systems, and coral reefs . Furthermore, Chubb's 2023 underwriting criteria for oil and gas extraction prohibit projects in government-protected conservation areas .

No War, No Weapons

Chubb provides Defense Base Act insurance, which covers U.S. government contractors in defense-related roles overseas

, explicitly stating this does not involve the company in weapons production . In 2006, Chubb Security Systems was awarded a $14,644 contract by the U.S. Department of Defense for a security system .

Planet-Friendly Business

Chubb surpassed its goal to cut Scope 1 and 2 emissions by 40% before 2025

. Its renewable energy initiatives led to a reduction of 27,586 metric tons of CO₂e in Scope 2 emissions . The company ceased underwriting new risks for companies generating over 30% of their revenue from thermal coal mining or coal energy, phasing out existing coverages by 2022 , and halted new investments beyond this threshold . Chubb also introduced underwriting standards for oil and gas extraction, requiring reduced methane emissions and non-underwriting in protected conservation areas . Additionally, Chubb launched Chubb Climate+, offering insurance and risk management services for businesses focused on carbon capture, hydrogen production, and electric vehicle infrastructure .

Respect for Cultures & Communities

Chubb offers specialized risk engineering services for cultural institutions, providing fire protection, emergency preparedness, and collection protection services

to actively safeguard cultural heritage and support community identity and history .

Safe & Smart Tech

Chubb integrates AI into its operations, with privacy policies addressing automated decision-making and profiling, ensuring transparency and human oversight when necessary.

The company conducts regular employee training on data protection, covering topics like password management and social engineering. Chubb employs encryption, firewalls, intrusion detection systems, and identity management systems, and its information security policies undergo regular assessments and audits. No documented incidents of unauthorized data use were found.

Zero Waste & Sustainable Products

Chubb implemented several waste reduction initiatives. In Malaysia, its operations partnered with The Lost Food Project in 2023, sorting and distributing 1,481 kilograms of food, which provided 4,231 meals

. The company also organized an upcycling workshop and a sustainability-themed treasure hunt to educate staff on plastic usage and waste reduction . In Thailand, Chubb launched the 'Say Yes To Less Plastic!' campaign, which included cleaning the surroundings of Koh Kret and engaging students in environmental awareness programs focused on marine pollution and waste reduction .