Chubb Limited reported a strong financial performance for the third quarter of 2025, with net income attributable to the company reaching $2.8 billion, a 20.5% increase from $2.3 billion in the same period last year. For the nine months ending September 30, 2025, net income was $7.1 billion, up 6.0% from $6.7 billion in 2024. The company’s total revenues for the third quarter were $16.1 billion, an 8.8% increase compared to $14.8 billion in the prior year, driven by a 7.5% rise in net premiums written, which totaled $14.87 billion.
Chubb's financial results reflect significant growth in both its Property & Casualty (P&C) and Life Insurance segments. The P&C segment saw net premiums written increase by 5.3% to $12.93 billion, with notable growth in commercial lines, particularly in middle market and small commercial P&C, as well as in excess and surplus lines. The Life Insurance segment experienced a substantial 24.6% increase in net premiums written, reaching $1.93 billion, largely due to growth in international life operations, particularly in North Asia.
Operationally, Chubb has made strategic moves to enhance its market position, including the acquisition of Liberty Mutual's P&C insurance businesses in Thailand and Vietnam, which is expected to bolster its presence in the Asia-Pacific region. The company also reported a favorable development in prior period losses, contributing to a decrease in its combined ratio to 81.8% for the third quarter, down from 87.7% a year earlier. This improvement was attributed to lower catastrophe losses and higher favorable prior period development.
Chubb's investment portfolio also showed positive trends, with net investment income increasing by 9.3% to $1.65 billion for the third quarter, supported by higher average invested assets. The total fair value of investments rose to $166 billion, up from $150.7 billion at the end of 2024. The company continues to maintain a diversified investment strategy, focusing on high-quality fixed income securities, which accounted for a significant portion of its portfolio.
Looking ahead, Chubb remains optimistic about its growth trajectory, with expectations of continued strong performance in both underwriting and investment income. The company anticipates that its operational cash flows will remain sufficient to cover obligations, and it plans to leverage its strong capital position to pursue further growth opportunities in the insurance market.
About Chubb Ltd
Chubb Limited is a global insurance and reinsurance company offering property and casualty, accident and health, and life insurance products across multiple markets. Serving corporations, high-net-worth individuals, and small businesses, it emphasizes underwriting discipline, risk management, and customer service. With a diversified portfolio, strong financial strength, and extensive international presence, Chubb provides tailored coverage through various distribution channels, leveraging digital capabilities and a broad global network.
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