Chubb Limited (CB)

Property, casualty and life insurer, 45,000 people. Read October 2, 2026 from the annual report for the period ending December 31, 2025, filed February 27, 2026. Ranked 11 of the 26 Financial Services companies read so far, by the share within reach now.

The filing states one total and nothing by segment or country, so the whole workforce takes the insurance carrier pattern by description (c).

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 38% now, 59% at the end of 2027, 68% at the end of 2028, 71% at the end of 2030. By the patterns, the work is about 71% desk work, 25% people work and 4% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 29% of the working time stays with people (conversation, in-person and hands-on work), 61% becomes checking a model's work and 7% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

45,000 employees as of December 31, 2025 (stated). A global workforce; the filing states no count by country.

The filing: “Workforce Demographics and Metrics Chubb employs approximately 45,000 people.”

The workforce as industry patterns

What the filing says about the workforce: About 45,000 people; about 9,000 roles filled in 2025 (nearly 6,500 external hires and 2,500 internal moves); more than 22,000 in structured learning programs; about 500 recent graduates hired; voluntary turnover 10.9% including retirements.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Insurance Carriers, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• UnitedHealth Group (UNH, 390,000 employees)33% now, 54% by 2028
• Elevance Health (ELV, 97,100 employees)35% now, 62% by 2028
• The Progressive Corporation (PGR, 70,000 employees)38% now, 68% by 2028
• Cigna Corporation (CI, 67,700 employees)36% now, 60% by 2028
• Humana Inc. (HUM, 67,060 employees)33% now, 54% by 2028
• Centene Corp. (CNC, 61,100 employees)38% now, 68% by 2028
• The Allstate Corporation (ALL, 53,000 employees)38% now, 68% by 2028
• MetLife, Inc. (MET, 46,000 employees)38% now, 68% by 2028

What the filing says about AI

11 sentences in the filing name AI. Eleven sentences: the NAIC Model Bulletin on insurers' use of AI, adopted by nineteen state insurance departments, which the company says will impact its use of AI tools in its operations, and related regulatory language.

• “This is intended to be a template for state regulators to use when issuing guidance about AI governance, risk management controls, internal audit functions, and third-party systems.”
• “The Model Bulletin also advises insurers of the information and documentation that insurance regulators may request during exams and investigation of insurers' AI systems, including third-party AI systems.”
• “This bulletin has been adopted by nineteen (19) state insurance departments, with four additional state insurance departments having announced a draft version of the bulletin or their intention to adopt the bulletin, and this in turn will impact our use of artificial intelligence tools in our business operations.”
• “Evolving privacy, data security, and artificial intelligence (AI) regulations could adversely affect our business.”
• “New laws similar to the GDPR and the CCPA are expected to be enacted in coming years in various countries and jurisdictions in which we operate. 25 Table of Contents Regulatory standards relating to the use of artificial intelligence (AI) are evolving in the countries where we do business, and may increase risks associated with bias, unfair discrimination, transparency, and information security.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20237median 1
• Fiscal 202411median 4
• Fiscal 202511median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• No count by segment or by country: one carrier pattern by description (c).

Source: the company's annual report on EDGAR, accession 0000896159-26-000005, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.