Chubb Ltd have substantial exposure to losses resulting from natural disasters, man-made catastrophes such as terrorism or cyber-attack.

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Climate change and resulting changes in global temperatures, weather patterns, and sea levels may both increase the frequency and severity of natural catastrophe.

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Chubb Ltd's results of operations and financial condition depend upon its ability to accurately assess the potential losses associated with the risks it insure and reinsure.

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The estimation of these liabilities is subject to many complex variables including: the current legal environment and specific settlements that may be used as precedents to settle future claims.

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Chubb Ltd seek to manage Chubb's loss exposure by maintaining a disciplined underwriting process.

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A reinsurer's or retrocessionaire's insolvency or inability or unwillingness to make timely payments under the terms of its reinsurance agreement could have an adverse effect.

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At December 31, 2020, the aggregate reinsurance balances ceded by Chubb Ltd's active subsidiaries to Century were approximately $1.6 billion.

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If Century's loss reserves experience adverse development in the future and should Century be placed into rehabilitation or liquidation,  reinsurance recoverables due from Century to its affiliates would be payable only after the payment in full of third-party expenses and liabilities.

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Chubb Ltd have exposure to counterparties through a variety of commercial transactions and arrangements.

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A deposit paid in connection with a deal to acquire additional shares of Huatai Group exposes the company to risk if the transaction is not completed.

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Volatility in interest rates could impact the performance of Chubb Ltd's investment portfolio.

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A significant increase ininterest rates would generally have a negative effect in Chubbs' book value.

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A ratings downgrade could result in a substantial loss of business as insureds, ceding companies, and brokers move to other insurers and reinsurers with higher ratings.

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Volatility in the U.K. securities markets may adversely affect ChUBB Ltd’s stock price.

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Repayment of loans receivable, guarantee fees and dividends are its primary sources of funds.

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Swiss law imposes certain withholding tax and other restrictions on a Swiss company’s ability to return earnings or capital to its shareholders.

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Chubb Ltd may experience losses resulting from fluctuations in the values of non-U.S. currencies.

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New laws to the GDPR and the CCPA are expected to be enacted in coming years.

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Economic uncertainty in either the United Kingdom or the European Union may have an adverse effect on the business, financial condition and stock price.

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U.K. ceased to be a member of the EU on January 31, 2020.

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Free movement of persons, services and capital between the U.S. and EU ended on Jan 1, 2021.

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Chubb Ltd have already redomiciled its primary European carriers from the UK to France.

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Chubb Ltd's operations rely on the secure processing, storage, and transmission of confidential and other information and assets.

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As the breadth and complexity of Chubb's security infrastructure continues to grow, the potential risk of a Security Event increases.

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material respects, including as a result of inaccurate inputs or applications thereof.

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Climate change may make modeled outcomes less certain or produce new, non-modeled risks.

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Chubb Ltd could be adversely affected by the loss of one or more key executives.

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The insurance and reinsurance markets have historically been cyclical, characterized by periods of intense price competition.

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Acquisitions involve numerous operational, strategic, financial, accounting, legal, tax, and other risks.

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Changes in the frequency and severity of losses suffered by insureds and insurers may affect the cycles of the insurance markets.

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Tax legislation known as the Tax Cuts and Jobs Act (2017 Tax Act) was enacted in the U.S. on December 22, 2017.

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The OECD also published an action plan several years ago to address base erosion and profit shifting (BEPS) impacting its member countries and other jurisdictions.

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Chubb Ltd's Articles of Association generally provide that shareholders have one vote for each Common Share held by them.

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Swiss law reserves for approval by shareholders many corporate actions over which the Board of Directors had authority prior to its re-domestication to Switzerland.

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Chubb Limited is incorporated pursuant to the laws of Switzerland.

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Some remedies available under the law of U.,S., jurisdictions would not be allowed in Swiss courts as contrary to that nation's public policy.

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U.S. persons who hold shares may be subject to ordinary income tax rates on their proportionate share of Chubb Ltd's Related Person Insurance Income.

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The final regulations are effective for tax years beginning after January 15, 2021 and would not apply to ChUBB Ltd until 2022.

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Chubb Ltd have substantial exposure to losses resulting from natural disasters, man-made catastrophes, such as terrorism or cyber-attack.

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The occurrence of claims from catastrophic event could result in substantial volatility in Chubb's results of operations or financial condition for any fiscal quarter or year.

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Chubb Ltd establish reserves for unpaid losses and loss expenses, which are estimates of future payments of reported and unreported claims for losses.

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At December 31, 2021, gross AE liabilities represented approximately 2.2 percent of Chubb's gross loss reserves.

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The full extent of liability under Chubb Ltd's insurance or reinsurance contracts may not be known for many years after issuance.

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Natural or man-made catastrophes, terrorism, or other events could result in claims that substantially exceed the insured's expectations.

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At December 31, 2021, Chubb Ltd had $17.6 billion of reinsurance recoverables.

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Insolvency of these counterparties could have an adverse effect on the company.

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Chubb Ltd have exposure to counterparties through a variety of commercial transactions and arrangements.

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A loss of all or a substantial portion of the business provided by one or more of these agents and brokers could have an adverse effect on ChUBB Ltd's business.

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Chubb Ltd's investment performance is highly sensitive to many factors, including interest rates, inflation, monetary and fiscal policies, and domestic and international political conditions.

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Realized and unrealized losses in the investment portfolio would reduce the book value of the company.

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Chubb Ltd's future capital and financing requirements depend on many factors, including Chubb's ability to write new business successfully and to establish premium rates and reserves at levels sufficient to cover losses.

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A ratings downgrade could result in a substantial loss of business as insureds, ceding companies, and brokers move to other insurers and reinsurers with higher ratings.

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Chubb Limited is a holding company that owns shares of its operating insurance and reinsurance subsidiaries.

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Swiss law imposes certain restrictions on Chubb Ltd's ability to repurchase its shares.

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The inability of the insurance subsidiaries to pay dividends could have an adverse effect on the company's operations.

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The insurance industry is also affected by political, judicial, and legal developments that may create new and expanded regulations and theories of liability.

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Evolving privacy and data security regulations could adversely affect the insurance company's business.

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New laws similar to the GDPR and the CCPA are expected to be enacted in coming years in various countries and jurisdictions in which Chubb Ltd operate.

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In the U.S., several other states are considering similar legislation, and there are ongoing discussions regarding a National Privacy Law.

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Chubb Ltd's operations rely on the secure processing, storage, and transmission of confidential and other information and assets.

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As the breadth and complexity of the security infrastructure continues to grow, the potential risk of a Security Event increases.

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Chubb Ltd use various modeling techniques (e.g., scenarios, predictive, stochastic and/or forecasting) and data analytics to analyze and estimate exposures, loss trends and other risks.

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Climate change may make modeled outcomes less certain or produce new, non-modeled risks, and actual results may differ from Chubb's modeled results.

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It is not always possible to deter or prevent employee misconduct.

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Insurance and reinsurance markets are historically cyclical, characterized by periods of intense price competition.

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Changes in frequency and severity of losses suffered by insureds and insurers may affect the cycles of the industry significantly.

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It is possible that such legislation or other legislation could be enacted and could have an adverse impact on Chubbs Ltd or its shareholders.

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If enacted, it could cause uncertainties to and increases in ChUBB Ltd's income taxes.

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Several multilateral organizations have expressed concern about some countries not participating in adequate tax information exchange arrangements.

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If ultimately adopted, they could adversely affect Chubbs Ltd or ChUBB's shareholders.

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The insurance change of control laws of various U.S. jurisdictions would likely apply.

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Swiss law does not provide as much flexibility in the various terms that can attach to different classes of stock as permitted in other jurisdictions.

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Some remedies available under the laws of U.S. jurisdictions would not be allowed in Swiss courts as contrary to that nation's public policy.

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U.S. persons who hold shares may be subject to ordinary income tax rates on their proportionate share of Chubb Ltd's Related Person Insurance Income (RPII) In January 2022, the Treasury Department and the IRS released proposed regulations.

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