Do the right thing because it is the right thing to do is more than a phrase it's part of the history of Combined Insurance. They're words we take to heart everyday and are a hallmark of our success.

Our History

With $100, a positive spirit and a vision to make the world a better place, W. Clement Stone founded Combined Insurance in 1922. Mr Stone's story is the stuff of legend. Our rich insurance history and his legacy drives our organisation to this day.

Starting in 1960, with an expansion into Australia, Combined Insurance embarked on an ambitious plan for growth. 50 years later, we've expanded to serve the global market, offering our products in 10 countries in addition to the United States.

In April 2008, Combined Insurance was purchased by ACE Limited (NYSE: ACE), parent company of ACE Group, a global leader in insurance and reinsurance. Both ACE and Combined Insurance have a mutual commitment to outstanding customer service and timely claims payment. Our financial strength affords us a sound base to better serve our policyholders and pursue exciting growth opportunities in the future.

In October 2010, Combined Insurance in Australia became a division of the Australian-based ACE Insurance Limited.

2016 saw ACE Limited acquire the Chubb Corporation, creating a global insurance leader operating under the renowned Chubb name. On 1 November 2016 ACE Insurance Limited changed its name to Chubb Insurance Australia Limited.

Key Milestones in Combined Insurance History


W. Clement Stone borrows $100 and moves to Chicago, rents desk space for $25 a month and establishes an insurance agency under the name Combined Registry Company.


Combined Mutual Casualty Company is organised and the company continues to expand with the purchase of the American Casualty Company in Texas.


Combined Insurance expands into the Pacific and commences operation in Australia.


W. Clement Stone captures in writing the principles of his Positive Mental Attitude (PMA) philosophy and selling system with the release of his book, The Success System That Never Fails.


Combined expands across the Atlantic to Europe with the addition of Britain and Northern Ireland.


Combined Insurance commences operation in New Zealand.


Combined Life Insurance Company of New York is formed.


The holding company Combined International Corporation is formed.


Ryan Insurance Group merges with Combined International Corporation to form what later became AON Corporation. Mr. Stone takes on the duties as its first Chairman. Patrick Ryan becomes the President and Chief Executive Officer.


Combined Insurance reaches its 75-year milestone.


Combined Insurance is sold and becomes a member of ACE Group.


Combined Insurance in Australia becomes a division of ACE Insurance Limited, a locally incorporated and regulated company.


ACE acquires Chubb, creating a global insurance leader operating under the renowned Chubb name. ACE Insurance Limited changed its name to Chubb Insurance Australia Limited.

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