Who leads AI at Chubb?

AI at Chubb is led by Sean Ringsted (Chief Scientist and Executive Vice President); Seshadri (Sesh) Iyer (Executive Vice President; Global Leader, Operations, Technology and Digital Transformation); Gordon Mackechnie (Vice President; Global Head of Technology). Ownership of AI on the org chart: Chief Scientist Sean Ringsted (AI strategy); EVP Sesh Iyer (operations, technology, transformation).

What AI platform does Chubb use?

Chubb builds its AI in-house on an enterprise platform for AI governance, security and scale, with MLOps and LLMOps tooling, and lists an employee tool called Chubb AI for daily productivity (Dec 2025).

Which AI models does Chubb use?

Chubb runs predictive machine learning alongside open and closed large language models and, by Oct 2026, agentic tools; Chubb has not named its model providers.

How many Chubb employees use AI?

Chubb says its digital transformation will touch 70% of the organization within three years of Dec 2025; Chubb has not disclosed how many of its roughly 45,000 employees use AI tools.

How far has AI spread at Chubb?

Chubb has reported no business return it credits to AI, for any use case or at the firm level: about 20% fewer staff and run-rate expense savings of about 1.5 combined ratio points are Dec 2025 targets for three to four years out, set for a program that combines AI with foundational technology, data and process redesign, and Evan Greenberg said on Oct 21, 2026 that the efficiencies are visibly appearing in a lower operating expense ratio without giving a figure or separating AI's share. Chubb's closest measures, such as North America claim documents processed at an 85%-plus no-touch rate and underwriting cycle time cut from 24 hours to 2 (Dec 2025), are operating metrics with no cost or revenue attached. Chubb has not reported a company-wide AI rollout with a user count either: it lists an employee tool called Chubb AI without saying how many of its roughly 45,000 employees use it, although Chief Scientist Sean Ringsted has owned AI, data and analytics strategy since Sep 2026. AI runs in production in underwriting intake, claims document processing and consumer sales, but Chubb stays at Experimenting until it reports one AI-credited return or a count of employees using its AI tools, either of which would move it to Piloting.

Verified Nov 1, 2026

Chubb

Experimenting

Insurance
~45,000 employees
Target: ~20% fewer staff (Dec 2025)
No AI return or user count
AI led by a Chief Scientist (Sep 2026)

Chubb deploys AI inside a firmwide digital transformation that pairs predictive models and large language models with process redesign to automate underwriting intake, claims handling and consumer sales, and employs more than 3,500 engineers in-house. Chubb told investors in Dec 2025 that the program should cut headcount by about 20% and save about 1.5 combined ratio points within three to four years, but has reported no return it credits to AI and no count of employees using AI tools. Sean Ringsted, Chief Scientist since Sep 2026, owns AI strategy.

about.chubb.com

Their approach to AI

The platform: Chubb builds its AI in-house on an enterprise platform for AI governance, security and scale, with MLOps and LLMOps tooling, and lists an employee tool called Chubb AI for daily productivity (Dec 2025).
The models: Chubb runs predictive machine learning alongside open and closed large language models and, by Oct 2026, agentic tools; Chubb has not named its model providers.
The reach: Chubb says its digital transformation will touch 70% of the organization within three years of Dec 2025; Chubb has not disclosed how many of its roughly 45,000 employees use AI tools.
The catch: Chubb has reported no return it credits to AI and no count of employees using AI tools: about 1.5 combined ratio points of savings and about 20% fewer staff are Dec 2025 targets for three to four years out, set for AI together with technology, data and process redesign, and Chubb has not said how much it has achieved (Oct 2026).

Snapshot

Employees: ~45,000; End of 2025: 40% in Asia, 37% in North America (2025 Form 10-K)
Technology budget: Not disclosed; Gordon Mackechnie manages Chubb's Investment in Technology Committee
AI/ML headcount: Not disclosed; More than 3,500 engineers in total (Dec 2025); no AI or data science count
Who owns AI: Sean Ringsted, Chief Scientist; New role from Sep 17, 2026: AI, data and analytics strategy worldwide
Platform: Built in-house; Enterprise AI platform with MLOps and LLMOps; Chubb AI for staff; Chubb Studio for partners
Models: Predictive ML, open and closed LLMs; Agentic tools in use by Oct 2026; providers not named
Reach: Not disclosed; Digital transformation to touch 70% of the organization within three years (Dec 2025)
Use cases: Underwriting, claims, sales, pricing; Count not disclosed; 9 or 10 discrete transformation projects in focus (Feb 2026)

Key findings

Chubb told investors on Dec 8, 2025 that its digital transformation, which combines AI, data, technology and process redesign, should within three to four years cut headcount by about 20%, deliver run-rate expense savings of about 1.5 combined ratio points and automate 85% of major underwriting and claims processes.
Chubb has reported no return it credits to AI and no count of employees using AI tools: Evan Greenberg said on Oct 21, 2026 that Chubb's digital transformation programs and other efficiencies are visibly appearing in a falling operating expense ratio and that Chubb is on track, without giving a figure or separating AI's share, and Chubb still reported about 45,000 employees in its Oct 2026 results.
Chubb named Sean Ringsted to the newly created role of Chief Scientist on Sep 17, 2026, with responsibility for AI, data and analytics strategy worldwide, after he had led Chubb's AI efforts as Chief Digital Business Officer.
Chubb hired Seshadri (Sesh) Iyer, North America chair of BCG X, to run global operations, technology and digital transformation from Apr 6, 2026, succeeding Julie Dillman, with the global heads of technology, operations and transformation reporting to him.
Chubb's North America Claims unit expected to process more than 3 million claim documents in 2025 at an 85%-plus no-touch rate, and Chubb's global underwriting platform handled about 45,000 submissions a month (Dec 2025).

Where Chubb sits

Stage: Experimenting
Chubb has reported no business return it credits to AI, for any use case or at the firm level: about 20% fewer staff and run-rate expense savings of about 1.5 combined ratio points are Dec 2025 targets for three to four years out, set for a program that combines AI with foundational technology, data and process redesign, and Evan Greenberg said on Oct 21, 2026 that the efficiencies are visibly appearing in a lower operating expense ratio without giving a figure or separating AI's share. Chubb's closest measures, such as North America claim documents processed at an 85%-plus no-touch rate and underwriting cycle time cut from 24 hours to 2 (Dec 2025), are operating metrics with no cost or revenue attached. Chubb has not reported a company-wide AI rollout with a user count either: it lists an employee tool called Chubb AI without saying how many of its roughly 45,000 employees use it, although Chief Scientist Sean Ringsted has owned AI, data and analytics strategy since Sep 2026. AI runs in production in underwriting intake, claims document processing and consumer sales, but Chubb stays at Experimenting until it reports one AI-credited return or a count of employees using its AI tools, either of which would move it to Piloting.
How the stages are defined
Ownership: Chief Scientist Sean Ringsted (AI strategy); EVP Sesh Iyer (operations, technology, transformation)
Platform: Built: Enterprise AI platform and Chubb Studio, built in-house
Models: Predictive ML plus open and closed LLMs; providers not named
Hosting: Own data centers and cloud infrastructure; cloud providers not disclosed
Reach: Not disclosed; program to touch 70% of the organization by about 2028

How they deploy

AI as one part of process redesign

Evan Greenberg wrote in Chubb's Mar 2026 shareholder letter that the real story for Chubb is AI, both algorithmic models and large language models, combined with foundational technology, data and process reengineering to automate and transform the company business by business. Greenberg called it iterative work that takes time and sustained focus, requiring engineers to work closely with business managers who know how each business runs, and said Chubb is converting its businesses to tech-, data- and AI-driven enterprises.

Targets set in Dec 2025

Chubb's Dec 2025 investor presentation said digital transformation will affect 70% of the organization within three years, across sales and marketing, underwriting administration, claims, finance and other functions. Chubb's vision for three to four years out is about 20% fewer staff, run-rate expense savings of about 1.5 combined ratio points, 85% of major underwriting and claims processes automated and 85% of gross written premium operating as digital or significantly digitally enabled business. Evan Greenberg said on Feb 4, 2026 that most of the targeted improvement would come from operating expenses and claims costs, with a smaller part in the loss ratio, and that Chubb was focused on 9 or 10 discrete transformation projects in North America, the United Kingdom, Europe, Asia and Latin America.

Engineers in-house

Chubb builds rather than outsources: it hired 1,500 engineers in 2024, had more than 3,500 by Dec 2025, and runs engineering hubs in India, Mexico, Greece and, since late 2025, Bogota, Colombia, where the work includes software, data analytics and AI. Chubb's Dec 2025 deck says it has invested in engineering development centers to insource key technologists and is using AI to improve developer productivity and code quality.

Agentic AI next, goals unchanged

Evan Greenberg said on Apr 22, 2026 that Chubb had not changed its digital transformation goals and was on track, and that agentic AI and enterprise software from frontier model developers should make the work faster and cheaper. Greenberg named small commercial insurance, retail and excess and surplus, as a growth area Chubb is transforming with AI and agentic tools, and said he spends much more time on AI than a year or two earlier.

Fewer staff through turnover

Evan Greenberg's Mar 2026 letter says Chubb plans to reduce its global employee population significantly, with natural annual staff turnover doing much of the work, while it needs more people in some areas and will help employees reskill. Chubb reported voluntary turnover of 10.9% in 2025, including retirements, in its 2025 Form 10-K.

Deployment model: Chubb runs AI through a central operations, technology and transformation organization with delivery business by business. Sesh Iyer, who reports to Evan Greenberg and John Keogh, oversees Gordon Mackechnie's global technology group, Michael Jones's global operations and, until Oct 2026, Jamie Trish's transformation office, while Global Data Officer Rakshit Kapoor reports to both Iyer and Chief Scientist Sean Ringsted, who owns AI, data and analytics strategy. Chubb's digital business, which runs embedded insurance partnerships through Chubb Studio, is led by Johan Oosthuizen, who reports to Overseas General Insurance president Paul McNamee. Chubb's Dec 2025 deck names the first areas for automation: North America small and lower middle market, North America middle market and wholesale intake through rating, United Kingdom and France middle market, Mexico auto, small and middle market, and Australia commercial.
Model providers: Chubb describes two model layers in its Dec 2025 investor presentation: predictive AI built on traditional machine learning, and generative AI using both open and closed large language models, plus integration through APIs and the Model Context Protocol. Evan Greenberg said on Oct 21, 2026 that Chubb employs algorithmic, large language model and agentic tools, and on Apr 22, 2026 pointed to enterprise products from frontier model developers as an emerging source of value. Chubb has not named any model provider, and the Chubb Studio optimization engine launched in Nov 2025 runs on what Chubb calls proprietary AI.
Data and infrastructure: Chubb's Dec 2025 investor presentation lists investments in data centers, wide-scale data ingestion and wide use of AI algorithms and large language models, on a stack of AI operations (MLOps, LLMOps, DataOps), cloud compute and storage, and APIs, under an enterprise platform for AI governance, security and scale. Chubb has not named its cloud providers. Evan Greenberg wrote in Mar 2025 that Chubb receives about 290 million emails a year, 90 million with data-rich attachments, and that most would soon be ingested with little or no human intervention; Chubb now uses large language models to extract and enrich incoming data. Gordon Mackechnie leads Chubb's engineers across software, infrastructure and cloud.

Platforms and internal tools

Enterprise AI platformBy Dec 2025
Chubb's enterprise AI platform runs predictive machine learning and open and closed large language models on shared AI operations tooling (MLOps, LLMOps, DataOps), cloud compute and storage, and integration through APIs and the Model Context Protocol, with AI governance, security and scale built into the platform, according to the Dec 2025 investor presentation. Zhen Zhao, Chubb's senior vice president and global head of AI Platform, led global teams for AI platform development, governance and large language model operations until New York Life hired him as chief AI officer in Aug 2026, according to Insurance Business.
Models
Predictive ML; open and closed LLMs
Source
Chubb AIBy Dec 2025
Chubb AI is the enterprise AI tool Chubb lists for daily employee productivity, alongside AI for writing code, continuous audit of workflow controls and generative business intelligence (Dec 2025 investor presentation). Chubb has not described its features or how many employees use it.
Source
Global underwriting intake platformBy Dec 2025
Chubb's global underwriting platform handles about 45,000 submissions a month and passes rating data directly to administrative systems, and pre-underwriting steps such as appetite checks, loss runs and schedule-of-values preparation run with no human touch. Chubb says it extracts and enriches incoming data with large language models to automate processes from intake to bind (Dec 2025).
Source
Chubb Studio and its AI optimization engineOptimization engine Nov 12, 2025
Chubb Studio is Chubb's platform for embedding insurance in partners' apps through APIs and SDKs, connected to more than 250 digital partners. Chubb added an AI optimization engine at the Singapore Fintech Festival on Nov 12, 2025 that identifies customer personas, recommends products and channels, and feeds campaign results back into the model. Chubb Digital, the business built on these partnerships, grew 27% to $1.4 billion of premium in 2025; Chubb does not credit that growth to AI.
Source

Vendors and partners

Model and cloud providers (not named)
Open and closed large language models; cloud compute and storage · Chubb's Dec 2025 investor presentation describes open and closed large language models and cloud infrastructure without naming any vendor.
CytoraFeb 2024
Claims document processing software · Chubb engaged Cytora, which describes itself as applying generative AI to insurance workflows, to automate claims document processing across multiple markets and lines of business (Feb 2024). Chubb has not said whether Cytora's platform underlies the North America claims no-touch rate it reported in Dec 2025.
Chubb Studio digital partners
Banks, e-commerce, payments and gig-economy platforms that embed Chubb insurance · Chubb Studio connected Chubb with more than 250 digital partners by Mar 2026. Chubb's Asia Pacific consumer partners include Grab, DBS, KTB, Samsung, Shopee, GCash and TikTok (Dec 2025); Chubb has not said which partners use the Nov 2025 AI optimization engine.

Leadership

AI, data and platform leaders

Sean Ringsted

Chief Scientist and Executive Vice President

Sean Ringsted became Chubb's first Chief Scientist on Sep 17, 2026, responsible for AI, data and analytics strategy and initiatives worldwide. Ringsted joined ACE in 1998, was Chief Actuary from 2004 to 2017 and Chief Risk Officer from 2008 to 2023, was named Chief Digital Officer in 2017, and as Chief Digital Business Officer and Chief Analytics Officer formed Chubb's digital business unit and led its AI efforts; Ringsted holds an Oxford doctorate in biochemistry.

Seshadri (Sesh) Iyer

Executive Vice President; Global Leader, Operations, Technology and Digital Transformation

Seshadri (Sesh) Iyer joined Chubb on Apr 6, 2026 after nearly 20 years at Boston Consulting Group, most recently as North America chair of BCG X, its technology design and build unit, where he led work on lean operations, cloud computing and AI and data engineering. Iyer reports to Evan Greenberg and John Keogh and has executive oversight of Chubb's global operations and technology.

Gordon Mackechnie

Vice President; Global Head of Technology

Gordon Mackechnie leads Chubb's engineers across software, infrastructure, cloud and other engineering, oversees global cybersecurity and corporate systems, and manages Chubb's Investment in Technology Committee. Mackechnie was previously Chief Technology Officer of Deutsche Bank and spent 11 years at the Royal Bank of Scotland, and holds a degree in computer science and artificial intelligence from Edinburgh University.

Michael Jones

Vice President; Global Operations Officer and Head of North America Operations and Technology

Michael Jones joined Chubb in 2019 as head of infrastructure and technology operations and now runs Chubb's enterprise operations services globally and technology and operations in North America. Jones previously led global infrastructure, engineering and cloud services at TD Bank, was CTO of Citigroup's Institutional Client Group, and spent 17 years at JPMorgan Chase.

Rakshit Kapoor

Global Data Officer

Rakshit Kapoor is Chubb's Global Data Officer and reports to both Sesh Iyer and Sean Ringsted, according to Chubb's Mar 2026 announcement of Iyer's appointment; Chubb has not published a biography for Kapoor.

Johan Oosthuizen

Global Head of Digital Business

Johan Oosthuizen was named Global Head of Digital Business on Sep 17, 2026, with responsibility for Chubb's digital partnerships and products worldwide. Oosthuizen was previously Chubb's Global Digital Chief Technology Officer and helped build its embedded insurance and digital partnership capabilities.

Gabriel Lazaro

Global Head of Digital Growth and Strategic Consumer Partnerships

Gabriel Lazaro joined Chubb in 2016 as head of digital for Latin America, became head of digital business for Overseas General Insurance in 2021, and took his global partnerships role on Sep 17, 2026; Lazaro previously held digital roles at AIG.

Jamie Trish

Global Claims Operations Officer; previously Global Transformation Officer

Jamie Trish joined Chubb in 2024 as Claims Transformation Officer, became Global Transformation Officer reporting to Sesh Iyer, and moved to Global Claims Operations Officer on Oct 26, 2026. Trish was previously President of Fairmatic and held senior roles at Allstate Business Insurance and Liberty Mutual.

Executives

Evan G. Greenberg

Chairman and Chief Executive Officer

Evan G. Greenberg joined ACE in 2001 as Vice Chairman, became CEO in May 2004 and chairman in May 2007, and led ACE's 2016 acquisition of The Chubb Corporation; Greenberg spent 25 years at AIG before that, including as President and COO. Greenberg sets out Chubb's AI plans in his annual letters and on earnings calls, and said in Apr 2026 that he spends much more time on AI than a year or two earlier.

John Keogh

President and Chief Operating Officer; Chairman, North America Insurance

John Keogh has been Chubb's COO since 2011 and President since 2020, and added the chairmanship of North America Insurance when John Lupica retired at the end of 2025; Keogh joined ACE in 2006 from AIG. Sesh Iyer, who runs operations, technology and digital transformation, and Global Claims Officer Kevin Rampe report to both Keogh and Evan Greenberg.

Peter Enns

Executive Vice President and Chief Financial Officer

Peter Enns joined Chubb as CFO in 2021 after more than 20 years at Goldman Sachs, including as chairman and CEO of Goldman Sachs Canada, and a period at HSBC ending as global co-head of investment banking coverage. Enns is responsible for Chubb's financial organization, including profit and cost management.

Paul McNamee

Executive Vice President; President, Overseas General Insurance

Paul McNamee runs Chubb's general insurance business in 51 countries outside North America and joined the company, then ACE, in 1995 in Australia. Chubb's digital business, led by Johan Oosthuizen, reports to McNamee from Sep 2026.

Juan Luis Ortega

Executive Vice President; President, North America Insurance

Juan Luis Ortega has been President of North America Insurance since Jul 2024, after five years as President of Overseas General Insurance, and has worked at Chubb since 1999. North America small, lower middle and middle market business leads Chubb's Dec 2025 list of areas for automation, and Head of North America Claims Lisa Wilson reports to both Ortega and Global Claims Officer Kevin Rampe.

Kevin Rampe

Senior Vice President; Global Claims Officer

Kevin Rampe was named Global Claims Officer on Apr 9, 2026 after five years as head of North America Claims, and joined Chubb in 2005 as Global Compliance Officer. Rampe was earlier First Deputy Superintendent of the New York State Insurance Department.

AI org map

Central operations, technology and transformation organization, with AI strategy under a Chief Scientist and delivery business by business

Chubb split its AI leadership in 2026. Sesh Iyer, hired from BCG in Mar 2026, took over global operations, technology and digital transformation from Julie Dillman and reports to Evan Greenberg and John Keogh, and on Sep 17, 2026 Chubb named Sean Ringsted to a new Chief Scientist role owning AI, data and analytics strategy, moving the digital business he had run to Johan Oosthuizen under Overseas General Insurance president Paul McNamee. Global Data Officer Rakshit Kapoor reports to both Iyer and Ringsted.

Chubb's AI work sits mainly in a central operations and technology organization under Sesh Iyer, with more than 3,500 engineers of all types (Dec 2025) in Chubb offices and engineering hubs in India, Mexico, Greece and Colombia, alongside a data and analytics function under Chief Scientist Sean Ringsted and Global Data Officer Rakshit Kapoor. Evan Greenberg's letters describe underwriters and claims professionals working in teams with engineers and data analysts. Chubb does not publish a count of AI, machine learning or data science specialists.

Reporting lines

Chairman and CEO
Evan G. Greenberg
- President and COO
  John Keogh
- Chief Scientist: AI, data and analytics
  Sean Ringsted
  Role created Sep 17, 2026; Chubb has not published Ringsted's reporting line, and the line shown is inferred from the CEO's announcement
- Operations, Technology and Digital Transformation
  Sesh Iyer
  Reports to both Evan Greenberg and John Keogh (Mar 2026 announcement)
  - Global Technology
    Gordon Mackechnie
    Engineers across software, infrastructure and cloud; global cybersecurity; Investment in Technology Committee
  - Global Operations and North America Operations and Technology
    Michael Jones
  - Global Transformation Office
    Led by Jamie Trish until she moved to claims operations on Oct 26, 2026; no successor announced
  - Global Data Office
    Rakshit Kapoor
    Also reports to Chief Scientist Sean Ringsted
- Overseas General Insurance
  Paul McNamee
  Reporting line not published
  - Digital Business
    Johan Oosthuizen
    Chubb Studio and digital partnerships worldwide; Gabriel Lazaro leads digital growth and strategic consumer partnerships within it
- Global Claims
  Kevin Rampe
  Reports to both Evan Greenberg and John Keogh (Apr 2026 announcement)

Chubb does not publish a breakdown of its AI or data workforce by function, so no distribution is estimated; the only disclosed figure is more than 3,500 engineers of all types in Dec 2025. Chubb's leadership page, checked Nov 1, 2026, lists Sean Ringsted as Chief Scientist and Sesh Iyer as Global Leader, Operations, Technology and Digital Transformation, and no longer lists a Chief Digital Business Officer. Chubb has not named a successor to Jamie Trish as Global Transformation Officer, or to Zhen Zhao, the global head of AI Platform who left for New York Life in Aug 2026.

Named people

Executive sponsors

Evan G. Greenberg
Chairman and CEO
John Keogh
President and Chief Operating Officer · Sesh Iyer and Kevin Rampe report jointly to Keogh and Evan Greenberg
Peter Enns
Chief Financial Officer
Juan Luis Ortega
President, North America Insurance · Head of North America Claims Lisa Wilson reports to Ortega and Kevin Rampe

AI, data and analytics strategy

Sean Ringsted
Chief Scientist (since Sep 17, 2026)
Rakshit Kapoor
Global Data Officer · Reports to Sesh Iyer and Sean Ringsted

Operations, technology and digital transformation

3,500+ engineers (Dec 2025)

Seshadri (Sesh) Iyer
Global Leader, Operations, Technology and Digital Transformation
Gordon Mackechnie
Global Head of Technology
Michael Jones
Global Operations Officer and Head of North America Operations and Technology
Annmarie Hagan
Chief Financial Officer of Operations and Technology and Transformation · Listed in the 2025 annual report, Apr 2026

Digital business

Embedded insurance partnerships through Chubb Studio, within Overseas General Insurance

Johan Oosthuizen
Global Head of Digital Business
Gabriel Lazaro
Global Head of Digital Growth and Strategic Consumer Partnerships

Claims

North America Claims is Chubb's largest disclosed claims automation effort

Kevin Rampe
Global Claims Officer
Jamie Trish
Global Claims Operations Officer (from Oct 26, 2026)
Lisa Wilson
Head of North America Claims (since Oct 15, 2026) · Charged with further embedding digital capabilities in claims processes

Use cases

Chubb has not published a count of its AI use cases; its Dec 2025 investor presentation lists AI in commercial underwriting intake, claims, consumer sales, pricing, portfolio management, software engineering and an employee tool called Chubb AI. Chubb has published no realized business return for any single use case, only process measures such as North America claims documents handled at an 85%-plus no-touch rate. Chubb has reported no firm-level return from AI either: its Dec 2025 goals of about 1.5 combined ratio points of run-rate expense savings and about 20% fewer staff are targets for three to four years out, and Evan Greenberg said in Oct 2026 that the efficiencies are visibly appearing without putting a figure on them.

Use case	Area	Status
Digital transformation of underwriting, claims and support functions Chubb is automating major processes business by business with AI, foundational technology, data and analytics and process redesign, aiming within three to four years of Dec 2025 for 85% of major underwriting and claims processes automated, 85% of gross written premium run as digital or significantly digitally enabled business, about 20% fewer staff and run-rate expense savings of about 1.5 combined ratio points.	Firmwide	In production
Submission intake and pre-underwriting Chubb's global platform handles about 45,000 submissions a month, uses large language models to extract and enrich incoming data, and runs appetite checks, loss runs and schedule-of-values preparation with no human touch; North America cycle time fell from 24 hours to 2 hours, and rating was set to reach 20% no-touch by the end of 2025 for North America commercial P&C and financial lines.	Commercial underwriting	In production
Underwriting recommendations and quote prioritization Chubb's underwriters receive pre-filled risk data and recommendations on the likelihood that a quote will bind, and advanced analytics prioritize quotes and improve catastrophe modeling.	Commercial underwriting	In production
Small commercial and lower middle market automation Chubb is transforming its small commercial business, retail and excess and surplus, with AI and now agentic tools, and lists North America small and lower middle market intake and AI-enabled end-to-end processing as a first focus area.	Commercial underwriting	In production
Risk pricing and segmentation Chubb lists AI that mines market insights and segments granular cohorts for pricing (Dec 2025), and Evan Greenberg wrote in Mar 2025 that Chubb's tools, skills and data let it understand and price risk more finely.	Pricing	In production
Claims document intake Chubb's North America Claims unit expected to automatically process, extract and enrich more than 3 million claim documents in 2025 at an 85%-plus no-touch rate, and average first contact on claims submitted by email fell from 24 hours to 3 hours.	Claims	In production
Severity prediction and adjuster next steps Chubb lists claims AI that predicts severity, suggests next best actions to adjusters and feeds results back to underwriting among its business AI uses (Dec 2025); Chubb has not said how widely it runs.	Claims	Announced
AI-driven consumer sales in Asia Pacific Chubb's Asia Pacific consumer business runs omnichannel sales built on AI and data-driven decisions, including assisted sales, personalized offers, engagement triggers and click-to-engage, and Chubb lists AI tools that equip its telemarketers.	Consumer insurance	In production
Chubb Studio AI optimization engine Chubb Studio's optimization engine uses Chubb's proprietary AI to identify customer personas and recommend insurance products and channels to digital distribution partners at the point of sale, refining campaigns from real-time performance data.	Digital business	In production
Portfolio management Chubb lists AI for scenario analysis, market monitoring, dynamic pricing and adjusting underwriting appetite in real time among its business AI uses (Dec 2025); Chubb has not said how widely it runs.	Underwriting management	Announced
AI-assisted software engineering Chubb's engineers use AI to write and test code, and Chubb says it is actively using AI to improve developer productivity and code quality across its engineering centers.	Technology	In production
Chubb AI employee assistant Chubb AI is the tool Chubb lists for daily employee productivity; Chubb has not described its features or reach.	Firmwide	Announced
Continuous audit and generative business intelligence Chubb lists continuous audit of controls embedded in underwriting, claims and operations workflows and generative business intelligence for real-time insights among its enterprise AI uses (Dec 2025), and its Audit Committee reviewed the use of AI in the finance function in 2025.	Controls and finance	Announced

Adoption

Chubb spread AI through process automation before employee tools. Evan Greenberg wrote in Mar 2025 that most of the roughly 290 million emails Chubb receives a year, 90 million with data-rich attachments, would soon be ingested with little or no human intervention, and by Dec 2025 Chubb's global underwriting platform handled about 45,000 submissions a month while North America Claims expected to process more than 3 million claim documents in 2025 at an 85%-plus no-touch rate. Chubb lists an employee tool, Chubb AI, but has not disclosed how many of its roughly 45,000 employees use it or any other AI tool, and its Dec 2025 deck called AI still experimental, with adoption expected to surge across the industry within two to three years. Chubb says its digital transformation will touch 70% of the organization in the three years from Dec 2025.

By the numbers

North America claims document no-touch rate: 85%+; On more than 3 million claim documents expected in 2025 (Dec 2025 investor presentation)

Headcount reduction target: ~20%; About three to four years out, set in the Dec 2025 investor presentation

Run-rate expense savings target: ~1.5 pts; Of combined ratio, about three to four years out (Dec 2025)

Major underwriting and claims processes to be automated: 85%; Target in the same three-to-four-year vision (Dec 2025)

Engineers: 3,500+; Dec 2025, with hubs in Mexico, Greece, India and Colombia; Evan Greenberg reported 1,500 hired in 2024 (Mar 2025)

Employees: ~45,000; 2025 Form 10-K; still about 45,000 in the Oct 2026 results release

Rollout, first pilot to today

2017
Chubb named Chief Risk Officer Sean Ringsted Chief Digital Officer; Ringsted later held the titles Chief Digital Business Officer and Chief Analytics Officer.
Chubb
2022
Julie Dillman became Chubb's Executive Vice President and Digital Transformation Officer after running global operations and technology.
Chubb
Feb 2024
Chubb engaged Cytora, a generative AI software company, to automate claims document processing across multiple markets and lines of business.
CIC
Mar 2025
Evan Greenberg reported that Chubb hired 1,500 engineers in 2024 and was moving toward ingesting most of the 290 million emails it receives a year with little or no human intervention.
2024 Annual Report
Jun 2025
Chubb announced an engineering center in Bogota, Colombia, opening in Oct 2025 for software, data analytics, AI and infrastructure work, joining its centers in India, Mexico and Greece.
Chubb
Nov 2025
Chubb launched an AI optimization engine in Chubb Studio that personalizes insurance offers for digital distribution partners.
Chubb
Dec 2025
Chubb told investors it had more than 3,500 engineers and set targets of about 20% fewer staff, about 1.5 combined ratio points of savings and 85% of major underwriting and claims processes automated within three to four years.
Investor presentation
Apr 2026
Sesh Iyer took over Chubb's global operations, technology and digital transformation from Julie Dillman.
Chubb
Sep 2026
Chubb created the role of Chief Scientist for Sean Ringsted to own AI, data and analytics strategy and gave its digital business a separate global head, Johan Oosthuizen.
Chubb
Oct 2026
Evan Greenberg said Chubb's digital transformation programs and other efficiencies were visibly appearing in a lower operating expense ratio.
Q3 2026 earnings call

Economics & controls

Spend and ROI

Technology budget

Chubb does not disclose a technology or AI budget. Gordon Mackechnie manages Chubb's Investment in Technology Committee, which works with each business line and region on modernizing technology across the company, and Evan Greenberg's Mar 2026 letter says Chubb is reaping gains from years of investment in technology, data and AI and is doubling down. Chubb's administrative expenses were $4.5 billion in 2025, a figure that covers far more than technology.

What AI itself costs

Chubb has not disclosed what it spends on AI models or computing. Evan Greenberg said on the Jul 22, 2026 earnings call that Chubb knows its token costs, measures them in hard dollars within its expense model, and that they are a minor fraction relative to the efficiencies, according to Reinsurance News.

Reported ROI

Chubb has not reported a realized return from AI, at firm level or for any use case. Chubb's Dec 2025 investor presentation set targets for three to four years out of about 20% fewer staff and run-rate expense savings of about 1.5 combined ratio points from a digital transformation that combines AI, foundational technology, data and analytics and process redesign, and Evan Greenberg said on Feb 4, 2026 that most of that improvement would come from operating expenses and claims costs. Greenberg said on Oct 21, 2026 that Chubb is on track for its medium and longer-term efficiencies and that digital transformation programs and other efficiencies are visibly appearing, without separating AI's share or giving a dollar figure.

Productivity markers

Chubb's P&C administrative expense ratio was 7.1% in Q3 2026 against 7.4% a year earlier, and 7.8% against 8.0% for the first nine months of 2026, while Evan Greenberg said the operating expense ratio is trending lower as digital transformation programs and other efficiencies appear (Oct 2026). Chubb's Dec 2025 deck reported process gains, including North America underwriting cycle time down from 24 hours to 2 hours and the endorsement cycle down from 22 days to 8, but Chubb has not converted them into cost or revenue figures.

Headcount

Chubb employed about 45,000 people at the end of 2025 and still gave about 45,000 in its Oct 2026 results release. Evan Greenberg's Mar 2026 letter says Chubb will need far fewer colleagues in many areas and plans to reduce its global employee population significantly, with natural staff turnover doing much of the work; Chubb's voluntary turnover was 10.9% in 2025, and it filled about 9,000 roles that year, about 6,500 of them with outside hires. Chubb's integration expenses and severance, which include severance from transformation initiatives, were $79 million in 2025 and $28 million in the first nine months of 2026, against $3 million a year earlier.

Governance and risk

Board oversight

Chubb's full Board has primary oversight of AI and related risk as part of its business, digital and technology strategy and received multiple management updates on AI in 2025, according to the 2026 proxy statement. Chubb's Risk & Finance Committee oversees how AI is used in underwriting, such as modeling, and held a training session on AI risk management in 2025, while the Audit Committee covers AI risks in legal compliance, data privacy, cybersecurity and financial controls and reviewed the use of AI in the finance function.

Model management

Evan Greenberg said on Oct 21, 2026 that Chubb governs its AI models with the same template and governance processes it has long used for actuarial models, extended with better tools, automation and humans in the loop. Chubb's Dec 2025 deck places AI governance and trust, security and scale in its enterprise AI platform.

Controls on agents and data

Evan Greenberg said on Oct 21, 2026 that Chubb controls and limits what its large language model and agentic tools can do, where and how they operate and how they are instructed, and protects its perimeter with multiple layers of detection against outside agentic AI that could reach Chubb's data or systems. Greenberg said in Apr 2026 that, as far as Chubb could tell, humans were still in control of agentic AI used in cyberattacks in all but one known case.

Regulation

Chubb's 2025 Form 10-K says evolving AI regulation may raise risks of bias, unfair discrimination and weak transparency, require operational changes and reduce the benefits of adopting AI. The 10-K notes that 19 U.S. state insurance departments had adopted the NAIC Model Bulletin on insurers' use of AI systems, with four more preparing to, and that the EU AI Act will regulate AI use in the European Union.

Cyber risk from AI

Chubb's 2025 Form 10-K says wider use of AI may intensify its cybersecurity risks, including attackers using AI to find vulnerabilities and deep fakes; Chubb's CISO and Global CTO lead cybersecurity risk management with advice from an external Cyber Advisory Board. Evan Greenberg said in Apr 2026 that Anthropic's Mythos model had lowered the threshold for finding vulnerabilities and that an arms race is on.

AI as an insured risk

Evan Greenberg said on Oct 21, 2026 that AI liability is a growing exposure not contemplated in casualty underwriting to date, and that he expects coverage clarifications, exclusions and separate AI liability coverages, priced to distinguish between insureds. Greenberg said model certification standards and best practices for governing AI and agents could emerge and help insurers underwrite the risk.

Recent signals

Oct 21, 2026
Evan Greenberg said on Chubb's Q3 2026 call that digital transformation programs and other efficiencies are visibly appearing in a falling operating expense ratio and that Chubb is on track for its medium and longer-term efficiencies.
Q3 2026 earnings call transcript
Oct 21, 2026
Evan Greenberg said AI liability is a growing exposure not yet contemplated in casualty underwriting and described how Chubb limits what its own large language model and agentic tools can do.
Insurance Journal
Oct 15, 2026
Chubb moved Global Transformation Officer Jamie Trish, who ran the transformation office under Sesh Iyer, to Global Claims Operations Officer from Oct 26 and named Lisa Wilson head of North America Claims with a brief to embed more digital capabilities in claims; the announcement does not mention AI.
Chubb
Sep 17, 2026
Chubb named Sean Ringsted to the newly created role of Chief Scientist, responsible for AI, data and analytics strategy worldwide; Evan Greenberg said the appointment shows how central AI and data are to Chubb's strategy.
Chubb
Sep 17, 2026
Chubb named Johan Oosthuizen, its Global Digital Chief Technology Officer, Global Head of Digital Business and Gabriel Lazaro Global Head of Digital Growth and Strategic Consumer Partnerships.
Chubb
Aug 7, 2026
Insurance Business reported that New York Life had hired Zhen Zhao, Chubb's senior vice president and global head of AI Platform, as its chief AI officer; Zhao led Chubb's global teams for AI platform development, governance and large language model operations.
Insurance Business
Jul 22, 2026
Evan Greenberg said Chubb tracks its AI token costs in hard dollars and that they are a minor fraction relative to the efficiencies Chubb gains.
Reinsurance News
Apr 22, 2026
Evan Greenberg said Chubb's digital transformation goals were unchanged and on track, that agentic AI and enterprise software from frontier model developers will lower costs, and that Anthropic's Mythos model means a cyber arms race is on.
Q1 2026 earnings call transcript
Apr 3, 2026
Chubb's 2026 proxy statement said the full Board has primary oversight of AI risk and that the Risk & Finance Committee held a training session on AI risk management in 2025.
2026 proxy statement
Mar 11, 2026
Chubb named Seshadri (Sesh) Iyer of BCG X to lead global operations, technology and digital transformation from Apr 6, 2026, succeeding the retiring Julie Dillman.
Chubb
Mar 2026
Evan Greenberg's shareholder letter said Chubb plans to reduce its global employee population significantly as technology and AI replace some work, with natural staff turnover doing much of the work.
2025 Annual Report
Feb 4, 2026
Evan Greenberg said on Chubb's Q4 2025 call that most of the targeted 1.5 combined ratio points would come from operating expenses and claims costs, and that business leaders and technology, data, AI and operations teams were focused on 9 or 10 discrete transformation projects.
Q4 2025 earnings call transcript
Dec 8, 2025
Chubb's investor presentation set targets of about 20% fewer staff, run-rate savings of about 1.5 combined ratio points and 85% of major underwriting and claims processes automated within three to four years.
Investor presentation
Nov 12, 2025
Chubb launched an AI optimization engine in Chubb Studio at the Singapore Fintech Festival to personalize insurance offers for its digital distribution partners.
Chubb

Quick answers

How does Chubb deploy AI?: Chubb deploys AI inside a firmwide digital transformation that pairs predictive models and large language models with process redesign to automate underwriting intake, claims handling and consumer sales, and employs more than 3,500 engineers in-house. Chubb told investors in Dec 2025 that the program should cut headcount by about 20% and save about 1.5 combined ratio points within three to four years, but has reported no return it credits to AI and no count of employees using AI tools. Sean Ringsted, Chief Scientist since Sep 2026, owns AI strategy.
What does Chubb use AI for?: Chubb has not published a count of its AI use cases; its Dec 2025 investor presentation lists AI in commercial underwriting intake, claims, consumer sales, pricing, portfolio management, software engineering and an employee tool called Chubb AI. Chubb has published no realized business return for any single use case, only process measures such as North America claims documents handled at an 85%-plus no-touch rate. Chubb has reported no firm-level return from AI either: its Dec 2025 goals of about 1.5 combined ratio points of run-rate expense savings and about 20% fewer staff are targets for three to four years out, and Evan Greenberg said in Oct 2026 that the efficiencies are visibly appearing without putting a figure on them.
Who leads AI at Chubb?: AI at Chubb is led by Sean Ringsted (Chief Scientist and Executive Vice President); Seshadri (Sesh) Iyer (Executive Vice President; Global Leader, Operations, Technology and Digital Transformation); Gordon Mackechnie (Vice President; Global Head of Technology). Ownership of AI on the org chart: Chief Scientist Sean Ringsted (AI strategy); EVP Sesh Iyer (operations, technology, transformation).
What AI platform does Chubb use?: Chubb builds its AI in-house on an enterprise platform for AI governance, security and scale, with MLOps and LLMOps tooling, and lists an employee tool called Chubb AI for daily productivity (Dec 2025).
Which AI models does Chubb use?: Chubb runs predictive machine learning alongside open and closed large language models and, by Oct 2026, agentic tools; Chubb has not named its model providers.
How many Chubb employees use AI?: Chubb says its digital transformation will touch 70% of the organization within three years of Dec 2025; Chubb has not disclosed how many of its roughly 45,000 employees use AI tools.
How far has AI spread at Chubb?: Chubb has reported no business return it credits to AI, for any use case or at the firm level: about 20% fewer staff and run-rate expense savings of about 1.5 combined ratio points are Dec 2025 targets for three to four years out, set for a program that combines AI with foundational technology, data and process redesign, and Evan Greenberg said on Oct 21, 2026 that the efficiencies are visibly appearing in a lower operating expense ratio without giving a figure or separating AI's share. Chubb's closest measures, such as North America claim documents processed at an 85%-plus no-touch rate and underwriting cycle time cut from 24 hours to 2 (Dec 2025), are operating metrics with no cost or revenue attached. Chubb has not reported a company-wide AI rollout with a user count either: it lists an employee tool called Chubb AI without saying how many of its roughly 45,000 employees use it, although Chief Scientist Sean Ringsted has owned AI, data and analytics strategy since Sep 2026. AI runs in production in underwriting intake, claims document processing and consumer sales, but Chubb stays at Experimenting until it reports one AI-credited return or a count of employees using its AI tools, either of which would move it to Piloting.

Open questions

How many of Chubb's roughly 45,000 employees use Chubb AI or other AI tools, and how often?
Which large language model providers does Chubb use, and on which cloud providers or Chubb data centers do the models run?
How much of the targeted 20% headcount reduction and 1.5 combined ratio points of savings had Chubb achieved by Oct 2026, given that it still reported about 45,000 employees?
What business return do Chubb's deployed use cases deliver, such as claims document intake, submission intake, the Chubb Studio optimization engine and AI-driven consumer sales, beyond the process speeds and no-touch rates Chubb has published?
What does Chubb spend on technology and on AI, and what do its token costs amount to in dollars?
How many of Chubb's more than 3,500 engineers work on AI, machine learning or data science?
Who leads Chubb's Global Transformation Office after Jamie Trish moved to claims operations on Oct 26, 2026, who leads the AI Platform team after Zhen Zhao left in Aug 2026, and how do Sean Ringsted's and Sesh Iyer's responsibilities for AI divide?
Which agentic AI systems does Chubb run in production, and under what controls?
Will Chubb sell standalone AI liability coverage or add AI exclusions to its casualty policies, and when?

Sources

Chubb

Filings, letters and investor materials

News

Data confidence

Confirmed: Stated in a primary or reputable public source.
Estimated: Derived or approximated from public reporting.
Unconfirmed: Reported, but not yet corroborated.

Chubb profile · Enterprise AI diffusion report by Imagine · facts checked against their sources on Nov 1, 2026

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