Both write high-net-worth risk well. They’re not interchangeable
Cincinnati Insurance and Chubb are the two carriers we place coverage with most, and both underwrite individually rather than by formula. That doesn’t mean either one is the automatic right fit for every Ohio home. The right carrier depends on the specifics of the property and portfolio, not a default preference for one over the other.
Where the differences tend to show up
- Underwriting appetite for specific property types, historic homes, large acreage estates, and unusual construction can be priced differently between carriers depending on their specific underwriting focus
- Valuables and collections handling, appraisal requirements and scheduling flexibility can differ enough to matter for a significant collection
- Claims service style, both have strong reputations, but the actual claims experience can differ based on the type and complexity of loss
Talk to a specialist
Have a question about how this applies to your specific property? A quick conversation is faster than reading the rest of this guide.
Why we don’t default to one
Placing every client with the same carrier regardless of fit would defeat the purpose of specialist placement entirely. The full asset review is what determines the match, property characteristics, portfolio specifics, and liability profile all factor into which carrier actually prices your situation best.
The question isn’t which carrier is better. It’s which carrier is better for this specific home, this specific collection, this specific liability picture.
How we decide
The full asset review surfaces the specifics that make this decision straightforward, rather than guessing or defaulting to whichever carrier is easier to place with.