Chubb's Financial Performance and Insurance Affordability Insights

As insurers prepare to release their quarterly and yearly earnings reports, regulators and legislators may closely scrutinize their financial performance due to significant outcomes. During a conference call on Chubb's financial results, CEO Evan G. Greenberg addressed concerns about affordability in the U.S. insurance market. He warned against blaming the insurance industry, stating, “We intermediate money. We don’t print money.” Chubb's North America personal property and casualty segment reported impressive gains, with a fourth-quarter combined ratio of 74.1, down from 82.6 the previous year. The company's property and casualty underwriting income surged by 11.6% in 2025, reaching a record $6.5 billion, with a combined ratio of 85.7. Greenberg highlighted increased litigation as a driving factor behind rising loss costs, particularly impacting homeowners insurance. Despite fluctuations in catastrophe losses from year to year, insurers are not solely responsible for affordability issues. Regarding data centers, Greenberg emphasized Chubb's active role in meeting the demand for digital infrastructure by providing AI-driven solutions. As global investments in data centers increase, Chubb offers comprehensive primary property, marine, and liability coverage. The company's capability to underwrite various risks associated with data center construction enables them to offer extensive coverage and engineering services for these projects. Despite potential challenges such as power availability and labor costs, Greenberg remains optimistic about the industry's growth prospects. This report illustrates Chubb’s strategic positioning in navigating the evolving digital infrastructure landscape while systematically addressing broader market concerns related to regulatory compliance and risk management.