North America Personal Risk Services
Fran O’Brien started her career at Chubb as an actuarial trainee. Working in the Actuarial
Department for 5 years she achieved the position of Senior Pricing Specialist for personal
insurance. She then became the Product Development Manager for the MASTERPIECE
product responsible for finalizing the product design, its rating plan, the policy issuance
system and implementing it across the US and Canada. Based on her work on the
MASTERPIECE product Fran was promoted to the Personal Automobile Underwriting Manager responsible for the profit and growth of the auto product. When Chubb Personal Insurance started expanding outside the United States and Canada, she took on the additional role of International Property Underwriting Manager. In this role, she has helped to expand Chubb Personal Insurance Operations in Europe, Latin America, and Asia. In the late 1990’s as the year 2000 approached, she was asked to manage the Business Resource Group in the Chubb Personal Insurance business unit. The Business Resource Group liaises with the Information Technology department to maintain and update the personal insurance policy issuance, underwriting, appraisal and billing systems. In 2000, Fran became the Worldwide Underwriting Manager responsible for all personal insurance products, their pricing, underwriting and reinsurance strategy, which represented $4.0 billion in premium in 2013. In 2007, she was promoted to Chubb Personal Insurance’s Chief Underwriting Officer role for International Business and in 2009 she was named Co-Chief Underwriting Officer for Chubb Personal Insurance Worldwide Operations. In 2011 she was named Chief Underwriting Officer for Chubb Personal Insurance Worldwide Operations. There she was responsible for managing the global portfolio of personal insurance products to generate a target return on equity. In this role she was responsible for strategic development, evolution and execution of customer segments, products, new product development, pricing, underwriting, and reinsurance. She also managed the underwriting authorities of the global personal insurance staff.
Fran was promoted to the Global Corporate Chief Risk Officer role in March 2014, where
she was responsible for evolving the Enterprise Risk Management structure linking the
business and capital management strategies.
In January, 2016, Fran became Division President, North America Personal Risk Services
where she is responsible for property and casualty insurance products for individuals and
families with fine homes, automobiles, art, jewelry, watercraft and other valuable
Fran also serves as the corporate sponsor of the Future Leaders Network Employee
She is a graduate of Villanova University with a degree in Mathematics.