Chubb Insurance Intermediary Providing Wholesale Carrier Access for Independent Agents

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Personal Insurance Lines for
Independent Insurance Agents
in Florida

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Agents Access of Florida provides independent agents with access to Chubb's MASTERPIECE suite, designed for your agency's affluent, high net worth clients' needs. Chubb Insurance will write your customers' Homeowners, Automobile, Collector Car, Group Excess Umbrella, Watercraft, Family Protection and Personal Articles coverage.


  • Minimum dwelling amounts from $500,000
  • Minimum condo/renters value is $150,000 (Combined A&A and Contents)
  • Wind and hail coverage is available for inland counties and most coastal counties (non-cat premium required)
  • Homes must be fully shuttered or have approved impact glass in most coastal regions to qualify for wind and hail coverage (if available)

Account rounding is recommended and often required to meet underwriting guidelines, especially in coastal counties in order to meet minimum premium requirements. Specific county by county underwriting guidelines are available.


Compared to standard industry policies, Chubb can provide higher levels of protection and service, to help you restore your home, including its distinctive features, in the event of a misfortune. In particular, Chubb's approach to homeowner insurance offers you:

  • Broader, more responsive coverage
  • Special policies for condominiums and co-ops, vacation homes and city homes
  • Knowledgeable service
  • Homeowners the Chubb Way: Deluxe House Coverage

Chubb's Deluxe House coverage is designed expressly for distinctive or custom homes and their owners. With Chubb, you have more choices and more control over the insurance process, industry-leading service, and features not usually found in other policies, such as:

  • A complimentary home appraisal
  • Actual rebuilding costs
  • Rebuilding to code
  • Optional cash settlement
  • Additional living expenses
  • Full replacement costs for contents


You didn't choose an ordinary car. Why insure it with a mass-market policy? If you're in an accident and your car is damaged beyond repair, there's a good chance that a cut-rate policy won't cover the cost of acquiring a new car. Are you prepared to pay the difference?

You shouldn't have to. Masterpiece Auto Preference offers you coverage that can save you substantial out-of-pocket costs and options that give you more control over your insurance.

Valuable Articles

Chances are, your homeowners policy (even if it's from Chubb) isn't nearly enough to replace your valuables if they are ever lost, stolen or damaged. Which is why owners of growing collections rely on Chubb Valuable Articles insurance. It is remarkably easy to obtain, and provides features you won't always find in typical policies.

Superior protection and our unsurpassed claims service have made Chubb one of the leading insurers of valuable articles worldwide.


With Chubb, you can help protect your boat--whether a small runabout, sailboat, yacht, or megayacht with a full-time captain and crew--with some of the most seaworthy coverage and service available on the open water.

Chubb offers two insurance programs for owners of watercraft:

  • Masterpiece Yacht is designed for owners of all types of personal watercraft.
  • Masterpiece Yacht Preference is designed to address the unique coverage needs of owners of high-valued yachts with a full-time paid captain and crew maintaining the watercraft.

With more than a century of experience in marine insurance, Chubb is recognized as a world-class insurer of fine watercraft.

Excess Liability

Chubb Excess Liability Coverage can help protect you against personal liabilities that could attack a substantial portion of your assets (even with the liability coverage provided by your auto and homeowners policy). For example:

  • As you turn a corner in your car, you accidentally injure a successful entrepreneur in the crosswalk. Medical costs, lost earnings and damages amount to millions. And you are responsible.
  • A guest at your son's pool party -- a 16-year-old boy -- dives unknowingly and unwarned into the shallow end of your pool, and suffers devastating paralysis and injuries. You are sued for an enormous sum of money.
  • You're having a wide-screen television delivered to your home, and one of deliverymen slips and falls on your icy steps and breaks his leg.
  • You volunteer on the board of directors of your condominium association. The board installs a playground with a faulty swing and a fellow association member's child is injured. You are sued as a board member.

Do you employ a residential staff, such as gardeners, housekeepers or nannies? If so, you should consider additional insurance coverage for employment practices liability.

Family Protection

If a home invasion, child abduction, carjacking or stalking threat should affect you, Chubb can help. Masterpiece Family Protection from Chubb helps cover your costs if you or someone close to you is a victim of these crimes almost anywhere in the world. We not only help protect the things you treasure most, but also cover the people who are most precious to you.

Family Office

Chubb has developed a comprehensive program for family offices who would only trust insurance and risk management to a company that excels at insuring distinguished families and the organizations that protect them.

This program, Masterpiece Family Office, draws on Chubb's Masterpiece product suite, known in the industry as the gold standard of property and casualty insurance for individuals, and uniquely combines it with our management liability and commercial insurance products to offer family offices a solution for their complex insurance needs.

Masterpiece Family Office offers:

  • Personal insurance for family members
  • Management liability and commercial insurance for the family office
  • Services for the family office
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